Vicky Pratt Email & Phone Number

United States

Reviewed and processed various types of FHA, VA and Conventional loans.Reviewed credit, income and assets documentation to make sure borrower's qualified.Requested additional documentation needed from all sources.Updated systems to reflect accurate information and submitted loans for underwriting approval.Audited and reviewed loans for HMDA and compliance purposes.Communicated and prepared necessary commitment letter and/or notice of incompleteness or declanation letter to borrowers.

United States

Responsible for supervising three clerical employees and assigned work orders to TV Technicians,ensured that work was finished on schedule and up to regulations and standards.Handled accounts payable and receivable.Screened incoming calls as needed, resolved customer complaints, planned meetings and events.

United States

Audited and reviewed loans for HMDA and compliance purposes.Trained Loan Processors from start to finish and coordinated services with outsourcing provider.Reviewed incoming documentation, calculated income from paystubs, 1040's and P & L's quarterly statements to make sure borrowers ratios were within proper guidelines and qualified for loan.Coordinated needs list for loan officers and borrowers.Submitted loans to underwriters for loan approvals or declanations.Updated systems to reflect accurate information.Prepared file for loan docs to be requested after conditions had been met.Cleared and signed off requisite paperwork for loan closing.

United States

Processed various types of FHA, VA and Conventional loans.Reviewed loan applications for completeness and acted as primary contact between borrowers, loan officers and third parties.Requested verifications for employment, bank verifications and requested demands for payoffs.Ordered appraisals, flood certs and prelims, and Government case numbers.Obtained approval through CLUES (DU) or LP and assisted underwriters with creating conditions on REFER loans.Reviewed incoming documentation, and prepared file for loan docs.Cleared and signed off on conditions for loan closings.Assured loans were processed in accordance with company policies and procedures.

United States

Processed various types of FHA, VA and Conventional loans.Reviewed loan applications, prelims, purchase contracts, appraisals, credit reports, income documentation including 1040's to determine financial suitability.Validated loan information and calculated tolerances. Ran DU and LP.Submitted loans to the underwriting department for final approval and helped underwriters, call for necessary conditions that were needed for loan approval within company guidelines.Prepared file by signing off on necessary conditions to go to the doc/funding departments.Conducted monthly Quality Assurance checks in various departments to insure proper compliance.

United States

Processed additional types of loans, including FHA, CHFA, San Bernardino Bonds and California Rural Access as well as the regular FHA, VA and Conventional loans. Completed DU and LP tasks. Facilitated opening loans in the MLCS computer system, inputting verified documentation from various sources, which included pay stubs, IRS 1040's, bank statements, etc.Requested needs list from loan officers and borrower's and requested payoff demands from escrow.Responsible for submissions, drawing loan documents, forwarding to escrow and on into the funding department with completed signed off conditions.Received "Level II Underwriting" and "Signing of Underwriting Conditions" authority up to $2 million.

Computer And Information Sciences And Support Services, 4.0 Gpa

High School, Business Administration And Management, General, 4.0 Gpa

Activities and Societies: Home Economics. Volunteered under a work program to learn Business Administration and Management procedures.