Sam S. Email and Phone Number

Processed refinance mortgage loan applications from underwriting initial credit approval through final approval and funding. Contacted the customers, insurance companies, title companies and vendors/business partners diligently for loan conditions in order to move forward with the loan process and prevent delay with closing. Ordered for appraisals, payoffs, credit supplements, verification of employment and any other documentation required for the loan files. Reviewed documentation received in a timely fashion and ensured compliance with the bank policies, underwriting and investor guidelines and requirements. Completed updates in the bank’s loan processing systems and creating tasks for underwriting review and approval. Communicated with Sales partners and Underwriters regarding issues and finding resolutions in order to get the loan conditions cleared for approval. Worked with the Closing team to reconcile loans and ensured loan documents goes out timely for the customers loan signing. Followed-up with the customers to ensure expectations are met and for feedback through a survey.•Proficient with providing high-level customer service by communicating with the borrowers and sales partner on a daily/weekly basis regarding updates, setting expectations and taking initiatives to assist with obtaining outstanding loan conditions from third parties such as the insurance company, HOA, employer, etc. to help expedite the loan process for final approval and closing.•Achieved 90%-100% score card for loan funding on a monthly basis; averaging 15-20 loans.•Achieved 100% score card for closing loan on time on a monthly basis; closing at an average of 40 days on loans with a 60/90 day rate lock. •Exempted from Loan Quality Control (LQC) final loan review due to quality processing results with no defect/error found during loans audits after closing.•Certified for Signature Authority Service & Enforcement (SASE) Level 1 and 2 underwriting authority for conditions clearing.

Processed refinance mortgage loan applications from underwriting initial credit approval through final approval and funding. Contacted the customers, insurance companies, title companies and vendors/business partners diligently for loan conditions in order to move forward with the loan process and prevent delay with closing. Ordered for appraisals, payoffs, credit supplements, verification of employment and any other documentation required for the loan files. Reviewed documentation received in a timely fashion and ensured compliance with the bank policies, underwriting and investor guidelines and requirements. Completed updates in the bank’s loan processing systems and creating tasks for underwriting review and approval. Communicated with Sales partners and Underwriters regarding issues and finding resolutions in order to get the loan conditions cleared for approval. Worked with the Closing team to reconcile loans and ensured loan documents goes out timely for the customers loan signing. Followed-up with the customers to ensure expectations are met and for feedback through a survey.•Proficient with providing high-level customer service by communicating with the borrowers and sales partner on a daily/weekly basis regarding updates, setting expectations and taking initiatives to assist with obtaining outstanding loan conditions from third parties such as the insurance company, HOA, employer, etc. to help expedite the loan process for final approval and closing.•Achieved 90%-100% score card for loan funding on a monthly basis; averaging 15-20 loans.•Achieved 100% score card for closing loan on time on a monthly basis; closing at an average of 40 days on loans with a 60/90 day rate lock. •Exempted from Loan Quality Control (LQC) final loan review due to quality processing results with no defect/error found during loans audits after closing.•Certified for Signature Authority Service & Enforcement (SASE) Level 1 and 2 underwriting authority for conditions clearing.

Reviewed and analyzed mortgage loans that were part of foreclosure process between 2009 and 2010 and determined if the customers were financially affected because of errors or other problems during their foreclosure process. Verified foreclosure actions were processed in accordance with applicable state and federal laws to include Servicemembers Civil Relief Act (SCRA) and US Bankruptcy Codes. Validated accuracy of penalties and fees assessed during default status, whether or not loss mitigation procedures were correctly executed, and if the penalties and fees were reasonable and customary within state and federal laws. Verified direct relationship between loss mitigation and all procedures were executed correctly, accurately and timely. Completed reports with all findings and discovery of any harm to the customers to be further reviewed for final decision and resolution by an independent consultant for the bank. •NMLS licensed•Conducted training on how to determine if penalties and fees assessed were reasonable and customary within state and federal laws.

Reviewed and analyzed Mortgage Revenue Bond (MRB) files and ensured compliance with program/agency guidelines and requirements which includes verification of household income, assets, first-time homebuyer status and acquisition cost limits. Completed updates in the bank’s loan processing systems and clearing suspensions. Communicated with the customers, branch personnel and bond agencies to resolve issues. Issued approval letters, suspension reports for missing and/or incomplete documents, and denial letters for loan files not meeting program/agency guidelines and requirements. •Achieved 100% completion of loan files assigned on a daily basis ranging between 20-30 files per day. •Assisted with receiving, assigning, tracking and packaging of completed loan files for shipment.

Reviewed, investigated and cured loan deficiencies to overturn mortgage files salable on the Secondary Market. Contacted the customers, lenders and other third parties diligently and conveyed guidelines and requirements and obtained corrected documentation to cure the deficiencies. Communicated closely with various internal teams such as Secondary Marketing, Underwriting, Product Leadership and Loss Mitigation on loan-level basis and outcome of resolution on deficiencies.•Cured large inventory of unsalable new and aged loans.•Assisted management with conducting root-cause analysis on deficiencies in order to eliminate trends and better the process to reduce and prevent repurchases of loans from investors.

Reviewed collateral files for Prime and Subprime loans on First Mortgage, Closed-End Second (CES) and HELOC. Analyzed loan documents such as the Note, Security Instrument, Riders, Addendums and Title Insurance Policy for accuracy and completeness and ensured loan information met company and investor requirements. Inputted sensitive loan information into company data processing system and created manual suspensions for incorrect/incomplete loan information so that it can be further reviewed and rectified.•Consistently exceeded daily quotas by 150%-200% with minimal to no error on daily audit and reporting.•Recognized by leaderships as a great team-player for always taking the time to help teammates with problem-solving and taking initiatives to help out with special projects outside of job role.•Assisted with daily assignment of loan files to teammates timely to help increase productivity.•Trained-up new teammates and temporary staffing and sharing the knowledge/experience to work more efficiently and effectively.