Kimberly Ricks Email & Phone Number

United States

Remote

-Review WVOE’s and VOE’s updated information into Encompass, reviewed Closing Disclosures and verified that all necessary disclosures were signed and dated by the borrower in a timely manner.-Issued Clear To Close on loans that were ready for closing. Review Condo Master Policies and HOI Policies to ensure enough coverage on the properties.Review Title Reports for judgements and liens, reviewed Credit Reports and ran and reviewed Credit Refresh for any new items that occurred during the… Show more -Review WVOE’s and VOE’s updated information into Encompass, reviewed Closing Disclosures and verified that all necessary disclosures were signed and dated by the borrower in a timely manner.-Issued Clear To Close on loans that were ready for closing. Review Condo Master Policies and HOI Policies to ensure enough coverage on the properties.Review Title Reports for judgements and liens, reviewed Credit Reports and ran and reviewed Credit Refresh for any new items that occurred during the loan process.-Updated Encompass with the correct appraisal information.-Review Wiring Instructions for accuracy.-Contact brokers, account executives to retrieve any needed documentation.-Reviewed DU/LP Findings.-Ran and reviewed Mavent Compliance Reports.-Ordered and reviewed Mortgage Insurance when needed.-Ran LDP/GSA - Fraud Reports-Reviewed and cleared appraisals.-Underwriter Validation Reports.-Ordered and reviewed Tax Transcripts-Reviewed and cleared appraisals.-Reviewed the URLA for accuracy-Reviewed Self employment documents, bank statements and P&L’s, pay stubs and calculated income..-Added reviewed and cleared conditions. Show less

Remote

- Reviewed closed loans for eligibility with respect to FNMA guidelines, DU guidelines and / or negotiated terms as defined by contracts with lender partners.-Perform risk analysis and make decisions regarding deficiencies identified during the review process.-Forensic Examination of loan documentation for accuracy and approved or denied the loan application accordingly.-Communicated with sales and processing regarding additional documentation. -Responsible for detailed… Show more - Reviewed closed loans for eligibility with respect to FNMA guidelines, DU guidelines and / or negotiated terms as defined by contracts with lender partners.-Perform risk analysis and make decisions regarding deficiencies identified during the review process.-Forensic Examination of loan documentation for accuracy and approved or denied the loan application accordingly.-Communicated with sales and processing regarding additional documentation. -Responsible for detailed responses to internal company and investor audits.-Analyzed the origination documents to determine whether any inconsistencies may be indicative of potential mortgage fraud. Show less

United States

-Receives the file from the Loan Originator review the financial document that were uploaded into-Image Flow to confirm that there is enough information in the file to move forward with the loan, once verified calculate the income.-Order Flood Certificate, request Payoff Statements as needed, request Appraisals for the properties,request Title Package, order Property Surveys, and review Purchase Agreements with all the contract addendums-Check the borrowers,title companies… Show more -Receives the file from the Loan Originator review the financial document that were uploaded into-Image Flow to confirm that there is enough information in the file to move forward with the loan, once verified calculate the income.-Order Flood Certificate, request Payoff Statements as needed, request Appraisals for the properties,request Title Package, order Property Surveys, and review Purchase Agreements with all the contract addendums-Check the borrowers,title companies, appraisal companies, and appraisers against the Exclusionary List-Provide LDP/GSA for all FHA loans-Make welcome call to the borrower to introduce myself letting them know that I will be workingwith them to get there loan closed. And that time I request any additional documents that would be needed at that time.-Once title package, appraisal, and flood certificate are received, I review them to confirm whether the property is in a flood zone, review the appraisal for the value to make sure it’s met value. Show less

United States

United States

-Responsible for the underwriting of conventional and government loans - backed residential loans ensuring compliance with internal guidelines and secondary market investor standards.-Handled large and complex loan applications.-Examined loan documentation for accuracy and approved denied loan applications accordingly.-Communicated with sales and processing regarding additional documentation.-Responsible for providing detailed responses to internal company and investor… Show more -Responsible for the underwriting of conventional and government loans - backed residential loans ensuring compliance with internal guidelines and secondary market investor standards.-Handled large and complex loan applications.-Examined loan documentation for accuracy and approved denied loan applications accordingly.-Communicated with sales and processing regarding additional documentation.-Responsible for providing detailed responses to internal company and investor audit.-Analyzed the organization documents to determine whether any inconsistencies maybe indicative of potential mortgage fraud. Show less

United States

-Review closed loans for eligibility with respect to FNMA guidelines, DU guidelines, and or negotiated terms asb defined by contracts with lender partners.-Perform risk analysis and make decisions regarding deficiencies identified during the review process.-Forensic Examination of loan documentation for accuracy and approved or denied loan application accordingly.-Communitated with Sales and processing regarding additional documentation.-Responsible for providing detailed… Show more -Review closed loans for eligibility with respect to FNMA guidelines, DU guidelines, and or negotiated terms asb defined by contracts with lender partners.-Perform risk analysis and make decisions regarding deficiencies identified during the review process.-Forensic Examination of loan documentation for accuracy and approved or denied loan application accordingly.-Communitated with Sales and processing regarding additional documentation.-Responsible for providing detailed responses to internal company and investor audits.Analyzed the origination documents to determine whether any inconsistencies may be indicative of mortgage fraud. Show less