Danny Ramirez Email & Phone Number

Phoenix, Arizona, United States

➤ Reviewed loan conditions, prepared reports on assessment findings, and documented approval/rejection information.➤ Analyzed loan risk, requested any additional information, and made loan eligibility decisions based on specifications.➤ Verified loan applications and supporting documentation as well as prepared various reports on assessment findings.➤ Ensured compliance with policies/guidelines and returned applications with additional documentation to loan officers.➤ Continuously updated internal documentation as needed and monitored risk levels to ensure compliance was maintained.➤ Efficiently reviewed, revised, and recommended changes to operational policies as they related to specific departments.➤ Analyzed underwriting documents along with reviewing credit information, taxes, and financial statements as needed.➤ Developed new procedures to increase the efficiency of various areas including loan specification reviews and reporting.

Phoenix, Az

➤ Maintained communication with customers throughout the processing period and ensured all questions were answered.➤ Coordinated with sales, borrowers, and underwriting teams to process/expedite applications for quality submissions.➤ Maintained understanding of appraisals, AUS findings, income, credit, title, and homeowner's insurance information.➤ Processed requests/transactional activities in relevant service level agreements in accordance with established policies.➤ Strategically contacted clients to gather credit information and presented loan recommendations to proper departments.➤ Verified various loan processing documents such as income, assets, liabilities, credit, collateral, and title information.➤ Obtained/verified that loan documentation and asset declarations were accurate and provided promptly to underwriters.➤ Ordered documentation and reports for residential home loans and maintained mortgage loan files according to policies.

Phoenix, Az

➤ Ensured that all documentation was complete and accurate as well as maintained regulatory changes and requirements.➤ Reviewed applications for compliance and initiated corrective action when needed to sustain operational compliance.➤ Input/restructured proper loan information into the system for processing and communicated with borrowers/employees.➤ Strategically ensured that loan files, credit packages, and disclosure packages complied with company lending policies.➤ Continuously coordinated and assisted in all quarterly or annual reporting to ensure compliance standards are met.➤ Effectively generated new business by interacting and negotiating with all new or existing customers and lead sources.➤ Maintained loan pipeline and continuously followed up with customers/processors to ensure loans closed on time.➤ Interfaced effectively and professionally with applicants, borrowers, realtors, builders, appraisers, and title companies.

➤ Junior Loan Officer – Trusted Lending Center – 02/2019 to 06/2019➤ Senior Loan Processor – Eagle Home Mortgage – 07/2018 to 12/2018➤ Wholesale Processor III – Union Bank MUFG – 09/2016 to 07/2018➤ Loan Document Specialist 4 – Wells Fargo Home Mortgage – 10/2011 to 09/2016