Sr Loan Coordinator

Posted on: 2007-07-16

Vanessa R Gonzalez 1433 Fairway Dr #302, Naperville, IL 60563, (773) 203-4312 Objective Seeking rewarding challenges within a great company. Experience Senior Loan Coordinator / Validator / Closer April 2002 - Present Washington Mutual, Downers Grove, IL -Manage pipeline of 50-100 conventional, HELOC’S and HEL loans per month -Validate automated underwriting decisions -Review loan application packages for completeness and accuracy, reconcile application against system input -Maintain high level of customer service by being proactive in communicating with borrowers and loan originators -Evaluate loan documentation and satisfy conditions per company policy -Verify and validate supporting income, asset and liability documentation to ensure the validity of the approved system -Income-Calculates and analyzes income structure -Analyze title report, purchase contract and escrow instructions and performs verbal verification of employment -Process lock, re-lock requests, float downs and extensions -Order releases and/or subordinations if needed on loans -Order payoffs from various Mortgage Lenders -Order appraisals, title and flood from outside vendors -Mail 3 day disclosures to borrower -Determines if loan conditions on approved loans are satisfied by reviewing income, asset and liability documentation, appropriate, reviews and analyzes preliminary instructions. -Liabilities -- Reviews and verifies credit reports (i.e. FICO pay history, validate other debts and other mortgage real estate owned) -Assets -- Calculates and analyzes funds to close (i.e. verification of deposits, gift money, 401K, sale of assets, etc) -Preparing all closing documents for all loans processed -Review closing documents after signed/closed -Funding of Loans Set-Up Coordinator December 2001 - April 2002 RPI-Washington Mutual (Temp Position), Naperville/Downers Grove, IL -Input accurate, complete, and timely loan data on processing system -Print Borrower’s Opening Package from a Kiosk -Order appraisals, title and flood from outside vendors -Mail 3 day disclosures to borrower -Process rate locks and lock requests Loan Processor March 1999- June 2001 TCF National Bank, Lombard, IL -Assisted Loan Consultants with closing conventional, auto, boat, RV, unsecured, overdraft and CD loans -Input borrower applications and decisions approved or denied into system of record -Type payoffs statements for Loan Consultants or outside Lenders -Verify correct coverage and policy periods through Insurance companies -Log all incoming loan applications into log daily -Write loan disclosures showing current fees for each real estate loan and mail to borrowers -Sent trust deeds, notes and releases with payment checks to their correct counties to get recorded -Ordered titles and appraisals for approved loans Education J Sterling Morton High School, Berwyn, IL June 1996 Diploma Skills DU-Desktop Underwriter References References are available on request