Zenaida Q. Email & Phone Number

East Brunswick Nj

• Responsible for pre underwriting loan prior to initial submission.• Certified to clear underwriting conditions up $417,000.00 loan amount.• Process Fannie Mae and Freddie Mac loans in accordance with the corporate operations manual.• Certified FHA and VA loan processor.• Review any previous tasks performed by the loan officers to ensure loans are accurate and are within compliance. • Gather required documentation from the borrower and third parties. • Review Asset and income documents to ensure loans are within guidelines. • Perform a complete review of the commitment letter with the loan officer and borrowers. • Obtain FHA case numbers, case query, caivrs and log appraisals in the FHA connection.• Analyzes tax returns for self-employed and commissioned borrowers.• Used proper calculation tool to confirm borrowers can meet the debt to income ratios as per guidelines. • Proactively communicate with the borrowers, loan officer and referral partner with regard to the status of the loan file.• Complete all required checklist as per compliance.• Review title binder and ensures that all required pre-closing quality assurance requirements are met in accordance with company standards• Acts as a liaison between the borrower and other departments.

Summit, New Jersey

Responsible for pre-underwriting loans to ensure initial documentations provided are acceptable for initiate underwriting process and to verify all government requirements and bank policies are met.• Acknowledged as an expert in processing FHA, VA, conforming, non-conforming, and Jumbo loans loan products.• Requested and gathered all required documentation while providing a high level of customer service. Reviewed documentation for accuracy and completion.• Provided support to loan officer and underwriting teams by ensuring the timely, judicious and accurate processing of mortgage loan applications.• Processed some of the most challenging loan applications such as first-time borrower, self-employed applicants and borrowers with problematic credit histories.• Reviewed asset statements to determine if the borrowers have sufficient liquid asset to close on their loans.• Analyzed tax returns for self employed and commissioned borrowers.• Used proper calculation tool to confirm borrowers can meet the debt to income ratios as per guidelines. • Final appraisal review to assess that the home’s loan to value is within guidelines.• Reviewed title binder to verify lien ownership of the subject property, verifying property is complying with all mortgage regulatory, requirements and Wells Fargo’s compliance policies. • Provided excellent verbal and written communication to our borrower in order to maintain high professional customer service level. • Developed and maintained a relationship with all parties involved by providing follow-up calls with status of the loan application.

Cranford, New Jersey

• Maintaining a level 2 Underwriting authority of $420,000.00 for Fannie Mae & Freddie Mac.• Processed FHA, VA, Fannie Mae and Freddie Mac loan products..• Analyzed and evaluated personal and business tax returns to verify income is sufficient to meet the debt to income ratios. • Gathered credit documents from the borrowers and entered correct information into the system in order to obtain a credit decision.• Cleared preliminary and final underwriting conditions within my authorization.• Examined one to four family residential mortgage loan application files and accompanying documentation to make certain it complied with guidelines and investors standards.• Reviewed title binder to verify lien ownership of the subject property and ensured the bank is listed as the mortgage holder.

North Brunswick, Nj

• Underwrote and managed a pipeline of 125 loans such as Home Equity Loans, Prime Equity line of Credit and Auto Loans. • Reviewed all required documents from the customer in order to make a final decision. • Ability to restructure loans to bring customer’s debt to income ratio within guidelines and up sell loans to the customer’s maximum qualification. • Responsible for reviewing Appraisal, Title binder reports and Flood searches. • Analyzed and evaluated paystubs, personal tax returns and business tax returns to ensure income was sufficient.• Developed a relationship with the financial specialist's and provided status on the loan application.

Associate'S Degree In Accounting, Accounting

Accounting classes

Education record