Lashant Thomas Email & Phone Number

Vallejo, Ca, Us

United States

Pleasanton

Complete a thorough analysis of entire loan package to determine compliance with company, investor, and FHA guidelines.Provide training and coaching for Loan Officers, when needed.Be available to Production and Processing staff for interpretations and questions in general or for specific loan files.Thorough knowledge of reviewing Residential appraisals.Understand and maintain a thorough knowledge of all company, investor, correspondent programs and… Show more Complete a thorough analysis of entire loan package to determine compliance with company, investor, and FHA guidelines.Provide training and coaching for Loan Officers, when needed.Be available to Production and Processing staff for interpretations and questions in general or for specific loan files.Thorough knowledge of reviewing Residential appraisals.Understand and maintain a thorough knowledge of all company, investor, correspondent programs and requirements.Ability to calculate qualifying income including analyzing tax returns and financial statements.Assume additional duties as they arise, cross-train within the department, and be responsive to the department. Show less

San Ramon, Ca

* Underwrite all types of FHA loans according to HUD 4155.1, TOTAL Scorecard, and Chase overlays {except 203(k) loans}* Underwrite loans according to ZIPPY, DU and LP findings.* Underwrite Non-Agency loans according to AUS findings and Manual underwrite per investor guidelines* Meet daily production goals* Clear conditions within turn times* Analyze complex tax returns, income, asset and credit documentations* Constant communication with Loan Officers, Processors,… Show more * Underwrite all types of FHA loans according to HUD 4155.1, TOTAL Scorecard, and Chase overlays {except 203(k) loans}* Underwrite loans according to ZIPPY, DU and LP findings.* Underwrite Non-Agency loans according to AUS findings and Manual underwrite per investor guidelines* Meet daily production goals* Clear conditions within turn times* Analyze complex tax returns, income, asset and credit documentations* Constant communication with Loan Officers, Processors, Management, and Closers* Signing authority $1m Prime and $150k Home Equity Show less

San Ramon, Ca

* Supervised a staff of 10 employees, consisting of Processors, Document Drawers, and Funders* Worked with Lending Managers, Loan Officers, Internal Managers to develop systems changes, capacity forecasting and overall departmental goals* Managed a working pipeline of 500 - 700 units on a monthly basis* Evaluated job performance, interview, hire and gave performance feedback* Worked closely with the Underwriting Manager to help facilitate loans in process

San Ramon, Ca

* Submitted loans through automated systems ZIPPY, DU, and LP* Reviewed automated systems findings and obtained necessary documentation* Prepared loans for initial and final underwriting submissions* Reviewed, obtained and analyzed conditions of loan approvals* Completed loan data updates and order loan documents for closing* Managed a pipeline from 45 - 80 loans insuring file movement with Company's standard* Provided effective communication to the borrowers… Show more * Submitted loans through automated systems ZIPPY, DU, and LP* Reviewed automated systems findings and obtained necessary documentation* Prepared loans for initial and final underwriting submissions* Reviewed, obtained and analyzed conditions of loan approvals* Completed loan data updates and order loan documents for closing* Managed a pipeline from 45 - 80 loans insuring file movement with Company's standard* Provided effective communication to the borrowers, loan officers, agents, management, third party vendors, escrow, title and branch personnel pertaining to loan status, documentation drawing and funding in a professional manner Show less

Concord, Ca

* Pre-underwrote Conventional, Jumbo, FHA, VA, CalVet, CalHFA and Down Payment Assistance loan programs for builder loans* Submitted loans through automated systems DU, LP and CLOUT* Reviewed automated system findings and obtained necessary documentation* Reviewed, obtained and analyzed conditions for loan approvals* Provided effective communication to the buyer(s), builder, sales agent(s), builder's escrow coordinator(s), title and branch personnel pertaining to loan… Show more * Pre-underwrote Conventional, Jumbo, FHA, VA, CalVet, CalHFA and Down Payment Assistance loan programs for builder loans* Submitted loans through automated systems DU, LP and CLOUT* Reviewed automated system findings and obtained necessary documentation* Reviewed, obtained and analyzed conditions for loan approvals* Provided effective communication to the buyer(s), builder, sales agent(s), builder's escrow coordinator(s), title and branch personnel pertaining to loan status, documentation drawing and funding in a professional manner* Obtained FHA approved appraiser's packages to have approved with DHI* Broker loans to preferred Lenders* Managed a small processing team ensuring loans submitted in Company's time frame, assist in ensuring loans submitted per program guidelines, covered their desk as well as delegate work to other team members in other members absences, and monitored weekly reports Show less

Benicia, Ca

* Prepared final loan documents for Conventional, Jumbo, FHA, VA, CalHFA, All-in-One Construction loan programs and completed section 32 worksheet* Reviewed funding packages, signed off final loan conditions and prepared wires* Provided effective communication to Escrow and branch personnel pertaining to documentation drawing and funding decisions in a professional manner* Maintained accurate communication logs of documentation drawing and funding activities* Proactively… Show more * Prepared final loan documents for Conventional, Jumbo, FHA, VA, CalHFA, All-in-One Construction loan programs and completed section 32 worksheet* Reviewed funding packages, signed off final loan conditions and prepared wires* Provided effective communication to Escrow and branch personnel pertaining to documentation drawing and funding decisions in a professional manner* Maintained accurate communication logs of documentation drawing and funding activities* Proactively participated in clearing loan deficiencies as needed* Trained employees in documentation drawing, funding and processing* Assisted branch processors in the processing of loan files as needed Show less

Concord, Ca

* Made credit and final underwriting decisions for low and moderate risk loans using Automated Underwriting Risk Assessments on Conventional and Jumbo Loans* Made final underwriting decisions on VA Rate Reduction Loans* Pre-underwrote Conventional, PERS, STRS, FHA, VA, CHFA, and Down Payment Assistance Loan programs* Reviewed, obtained and analyzed conditions for loan approvals* Prepared accurate and correct loan documents* Reviewed funding packages, signed off closing… Show more * Made credit and final underwriting decisions for low and moderate risk loans using Automated Underwriting Risk Assessments on Conventional and Jumbo Loans* Made final underwriting decisions on VA Rate Reduction Loans* Pre-underwrote Conventional, PERS, STRS, FHA, VA, CHFA, and Down Payment Assistance Loan programs* Reviewed, obtained and analyzed conditions for loan approvals* Prepared accurate and correct loan documents* Reviewed funding packages, signed off closing loan conditions and prepared wires Show less