Kenneth Rust Email & Phone Number

Simi Valley, Ca, Us

Oxnard, California, United States

Simi Valley, California

• Originating non-QM & Fannie, Freddie, FHA, VA, USDA loan products such as self-employment, 12/24 month bank statements, stated income, bankruptcy, asset reversal, foreign bank statements, conventional, government, and jumbo loans, as well as handling a high volume of renovation loans• Generating new educational loan leads and business from external marketing campaigns• Implementing a quality control process to meet regulations with selling mortgage applications for delivery to Fannie Mae and Freddie Mac• Conducting discovery meetings with prospective borrowers and clients to analyze financial and credit data to determine the best customer financing objectives • Fostering community relationships to ensure a positive outcome for financing requirements • Managing multiple pipelines, CRMs, and the day to day office.

Los Angeles, California

• Reviewed loan files for completeness, including assets, credit, and income, which were all verified prior to loan approval and loan closing• Evaluated income calculations using information that was provided from borrowers, which included buyers that were self-employed• Ensured that all conditions were met, in order to meet compliance with company guidelines, as well as all state and federal regulations • Collaborated with Lead Loan Processors to ensure that all errors were being addressed, discussed any loans which required additional follow-up, and confirmed that all loan closings were being scheduled timely and efficiently • Compiled weekly reports which detailed the most common errors which occurred and further discussed via company meetings • Ensured that all escrow deposits and fee schedules were correct and provided accurate funding for all escrow accounts associated with the loan• Completed other tasks, as they were related to portfolio risk management

Sherman Oaks, California

Loan Processing Manager • Developed strategies to reduce funding timelines, while increasing accuracy and efficiency, while also maintaining compliance with all guidelines• Oversaw testing implementation of new products, pricing, tools, and special projects• Handled all time sensitive files and tasks to help alleviate pressure from other staff members of my team • Assessed situations for risks and implemented proper resolutions based on current risk tolerances • Participated in cross training with other teams and departments in the company to provide internal support • Represented consumer lending on enterprise efforts and numerous projects • Continuously updated and improved reference guides, documented new and existing processes and procedures, as well as updating investor detailsOther departments and titles that I worked in during my tenure at Prospect Mortgage: • QA Lead • Compliance• Jr. Underwriter• Investor delivery• Loan Opener• Jr. Loan Processor• Loan Processor • Renovation Processor• Appraisal Desk• Disclosures• Escrow Holdbacks• Funding• Fraud• Appointment Setter

Burbank, California, United States

Reviewed income, asset, and credit reportsGot files ready and prepped for underwriting ordered PMI, insurances, H06, VOEs, and appraisals.reviewed files for completeness and adhered to company, investor, state, and federal guidelines Give solutions to challenges that arise on any loan file with out of the box thinking.QA files in correspondent lending. Rectify any problems with purchasing of the loan

Simi Valley, California, United States

Review loan files with loan officers on documents missingReach out to loan officers for signaturesReviewed time lines and milestones to make sure files would hit their funding date on timeAssist processors with ordering Verifications and pushing loan files to underwriting/funding

Bachelor'S Degree, Physics

Associate'S Degree, Physics

High School Diploma, 3.8Gpa

Activities and Societies: Band, Swing Dance, Leader Ship