• Loan review for risk evaluation including validation of critical data points and identification of credit, property valuation, compliance, and fraud risk in specific portfolios.• Determine when violations are identified and adding some color or if system issued exceptions are fired in error or can be canceled.• Work with internal council in decision making for violations of federal, state, county and municipal high-cost and other threshold-based laws.• Test for dollar and… Show more • Loan review for risk evaluation including validation of critical data points and identification of credit, property valuation, compliance, and fraud risk in specific portfolios.• Determine when violations are identified and adding some color or if system issued exceptions are fired in error or can be canceled.• Work with internal council in decision making for violations of federal, state, county and municipal high-cost and other threshold-based laws.• Test for dollar and percentage tolerances and analyze repayment ability and net tangible benefit issues where applicable.• Confirm whether material disclosures are properly provided, signed, and dated and adhere to allowable tolerances.• Meet and exceed production for all deals including TRID, pre-TRID and pre-2010 loans.• Perform Credit Underwriting as well as analysis and review of documentation in repurchase department of various major commercial banks Show less

• Analyzed and evaluated documentation received from Correspondent customers for purchase complied of TRID & pre-TRID loans.• Ensured document accuracy, compliance and credit quality of residential mortgage loans (conventional conforming, conventional high balance, FHA, VA and USDA).• Followed defined policies and procedures to cost-effectively assess the salability and serviceability of loan files.• Ensured that all loans are purchased in accordance with PennyMac’s and secondary… Show more • Analyzed and evaluated documentation received from Correspondent customers for purchase complied of TRID & pre-TRID loans.• Ensured document accuracy, compliance and credit quality of residential mortgage loans (conventional conforming, conventional high balance, FHA, VA and USDA).• Followed defined policies and procedures to cost-effectively assess the salability and serviceability of loan files.• Ensured that all loans are purchased in accordance with PennyMac’s and secondary marketing’s investors credit policies.• Communicated with Collateral, Underwriting, Appraisal and Client Management teams through detailed summary notes to ensure appropriate identification of loan issues and adherence to policy and procedures.• Completed an allotted number of loan files that are assigned daily to meet department and division service level agreements. Show less

• Pre-underwrote, registered, ran AUS (DU or LP), and submitted loans to various investors according to guidelines and requirements for all company VA, FHA & Conventional loans.• Ordered & reviewed title, appraisals, insurance, building documents, tax bills, verifications of employment, IRS Tax Transcripts and credit reports and supplements.• Closed out funded loan files according to ECOA, HMDA, State and Federal requirements and all related fair lending laws & regulations.

• Entered loan applications into encompass and pre-underwrote the loan prior to submission; reviewing income, taxes, paystubs, assets, project documents, contracts of sale, appraisals and bank/broker disclosures.• Registered and submitted loans to various lenders as per their guidelines and overlays.• Ordered appraisals, title, settlement agents, assignments, stock & leases and payoffs.• Worked with managing agents to have projects approved by lenders, including questionnaires… Show more • Entered loan applications into encompass and pre-underwrote the loan prior to submission; reviewing income, taxes, paystubs, assets, project documents, contracts of sale, appraisals and bank/broker disclosures.• Registered and submitted loans to various lenders as per their guidelines and overlays.• Ordered appraisals, title, settlement agents, assignments, stock & leases and payoffs.• Worked with managing agents to have projects approved by lenders, including questionnaires, insurance, audited financials and budget reviews of coop and condominiums and their offering plans. Show less

• Entered loan applications into encompass and pre-underwrote the loan prior to submission; reviewing income, taxes, paystubs, assets, project documents, contracts of sale, appraisals and bank/broker disclosures.• Set up Good Faith Estimate and disclosures for borrowers through clients Loan Operating System.• Registered and submitted loans to various lenders as per their guidelines.• Ordered appraisals, title, settlement agents, assignments, stock & leases and payoffs.• Worked… Show more • Entered loan applications into encompass and pre-underwrote the loan prior to submission; reviewing income, taxes, paystubs, assets, project documents, contracts of sale, appraisals and bank/broker disclosures.• Set up Good Faith Estimate and disclosures for borrowers through clients Loan Operating System.• Registered and submitted loans to various lenders as per their guidelines.• Ordered appraisals, title, settlement agents, assignments, stock & leases and payoffs.• Worked with managing agents to have projects approved by lenders, including questionnaires, insurance, audited financials and budget reviews of coop and condominiums and their offering plans.• Approved loans to be delivered to borrowers including follow up of lender underwriting conditions required prior to issuance of clearance to close and closed the loan out as per all current RESPA and New York Banking compliance requirements. Show less

• Managed top producing loan officer’s pipeline averaging $15mm in monthly origination including quality control, compliance, expiration dates, locks, mortgage assignments, title, lien searches, commitments, conditions, appraisals, credit, disclosures, assets, income and the scheduling of closings.• Maintained and updated marketing platform for clientele and referral sources which increased our monthly sales by 35%.

• Managed pipeline of the acting Branch Manager.• Assisted the Branch Manager in all aspects of required work i.e. monthly sales figures, scheduling meetings, event planning, training new processors and assistants.• Managed top producing loan officer’s pipelines including quality control, compliance, expiration dates, locks, mortgage assignments, title, liens, commitments, conditions, appraisals, credit, disclosures, assets, income and the scheduling of closings.

• Assisted top producing executives in closing coordination of loans and generated daily pipeline reports for brokers.• Provided customer service to all clients awaiting mortgage approval and/or quotes & input loan applications into Calyx.• Oversaw the assignment of bank attorneys and the ordering of Title reports, Lien searches, Aztecs, U-CC1's, assignment of mortgages and the Stock & Lease.

• Met with and took loan applications from clients over the phone, furnished commitment letters, assigned bank attorneys, ordered appraisals and coordinated inspection dates for brokers.• Worked with managing agents, developers and sponsors to retrieve building documentation.• Oversaw rate, asset, income, credit, appraisal and commitment expiration dates.