Amira Hernandez
Englewood
Summary
Experienced Senior Loan Processor with a comprehensive background in conforming, government and non-conforming loan processing. Demonstrates strong analytical skills and meticulous attention to detail in obtaining and verifying financial documents required. Proven ability to adapt and restructure loans as needed, ensuring accurate and timely loan file management. Contributes to streamlined operations and delivers exceptional customer experiences. Embodies the philosophy of efficient problem-solving.
Overview
10
10
years of professional experience
Work History
Loan Processor
Home American Mortgage
06.2024 - 02.2025
- Company Overview: Lender for Richmond American Homes
- Communicated with the borrowers, set expectations and answered any borrower questions completing welcome call and needs list (loan commitment) within 48 hours of Conditional Approval
- Verified that loans originated are structured pursuant to available programs and investor guidelines
- Verified accuracy of AUS findings
- Reviewed/Submitted conditions to the underwriter for approval
- Ordered and reviewed third party docs and reports such as insurance, appraisals, loan applications, credit reports, income, assets, and title commitment
- Provided Interdepartmental statuses consistently
- Identified/Resolved potential issues
- Communicated with Loan Officers/Management
- Monitored overall loan processing cycle time to ensure loan closes within SLAs
- Obtained and verified clearance of all underwriting conditions
- Prepared the file for submission to closing
- Cleared any Post-Closing Feedback within 24 hours of ACES Reporting
- Lender for Richmond American Homes
Purchase Qualifying Processor
American Financing Corporation
04.2024 - 06.2024
- Reviewed Income Documentation provided to assess Purchase Power and Ability to Repay and then PreApproved loans based on DTI, Credit, and Assets
- Reviewed 1015 loans per day
Non QM/BSL Processor
American Financing Corporation
01.2024 - 04.2024
- Reviewed completeness of Bank Statements provided (depending on different Lender requirements/Guidelines - where applicable
- Reviewed completeness of Alternate Income Documentation provided (depending on different Lender Requirements/Guidelines
- Submitted Completed Loan Packages to Lenders for Underwriting Approval
- Set Expectations with Borrower(s) regarding turn-times of Loan Approval through Closing
- Communicated Loan Approval Terms to Loan Consultant for disclosure to Borrower(s)
- Obtained Underwriting Conditions directly from Borrower(s) (with minimal Loan Consultant involvement)
- Ordered and Reviewed for Accuracy; Flood Cert, Appraisal Report, Title Report w/Endorsements, USPS, 4506, Lender Disclosures, Hazard Insurance Endorsement
- Coordinated closing docs with both Investor/Lender Closing Departments
- Cleared any Post-Closing Feedback within 24 hours of ACES Reporting
Sr. Loan Processor
American Financing Corporation
05.2019 - 11.2022
- Communicated with the borrowers, set expectations and answered any borrower questions completing welcome call and needs list within 48 hours of Conditional Approval
- Verified that loans originated are structured pursuant to available programs and investor guidelines
- Verified accuracy of AUS findings
- Reviewed/Submitted conditions to the underwriter for approval
- Ordered and reviewed third party docs and reports such as insurance, appraisals, loan applications, credit reports, income, assets, and title commitment
- Provided Interdepartmental statuses consistently
- Identified/Resolved potential issues
- Communicated with Loan Officers/Management
- Monitored overall loan processing cycle time to ensure loan closes within SLAs
- Obtained and verified clearance of all underwriting conditions
- Prepared the file for submission to closing
- Cleared any Post-Closing Feedback within 24 hours of ACES Reporting
Loan Processor
Mortgage Solutions Financial
07.2018 - 02.2019
- Communicated with the borrowers, set expectations and answered any borrower questions completing welcome call and needs list within 48 hours of Conditional Approval
- Verified that loans originated are structured pursuant to available programs and investor guidelines
- Verified accuracy of AUS findings
- Reviewed/Submitted conditions to the underwriter for approval
- Ordered and reviewed third party docs and reports such as insurance, appraisals, loan applications, credit reports, income, assets, and title commitment
- Provided Interdepartmental statuses consistently
- Identified/Resolved potential issues
- Communicated with Loan Officers/Management
- Monitored overall loan processing cycle time to ensure loan closes within SLAs
- Obtained and verified clearance of all underwriting conditions
- Prepared the file for submission to closing
- Cleared any Post-Closing Feedback within 24 hours of ACES Reporting
Loan Processor
BOKF dba Colorado State Bank and Trust
07.2016 - 10.2017
- Company Overview: (Colorado)
- Communicated with the borrowers, set expectations and answered any borrower questions completing welcome call and needs list within 48 hours of Conditional Approval
- Verified that loans originated are structured pursuant to available programs and investor guidelines
- Verified accuracy of AUS findings
- Reviewed/Submitted conditions to the underwriter for approval
- Ordered and reviewed third party docs and reports such as insurance, appraisals, loan applications, credit reports, income, assets, and title commitment
- Provided Interdepartmental statuses consistently
- Identified/Resolved potential issues
- Communicated with Loan Officers/Management
- Monitored overall loan processing cycle time to ensure loan closes within SLAs
- Obtained and verified clearance of all underwriting conditions
- Prepared the file for submission to closing
- Cleared any Post-Closing Feedback within 24 hours of ACES Reporting
- (Colorado)
HAMP Underwriter
Recovco Mortgage Management
02.2015 - 11.2015
- Company Overview: (Colorado)
- Reviewed existing portfolio of FHLMC Loans for eligibility for Home Affordable Modification Program through FHLMC
- If eligible would approve the loan modification, order updated title endorsement, update homeowner's insurance (new loan number), and would then send the loan to the closing department for mobile closing
- If ineligible would issue Adverse Action Notice within 24 hours of management approval of denial
- (Colorado)
Education
Associate of Arts - Criminal Justice
Florida State University
TalahasseeSkills
- Expert Customer Service Skills
- Microsoft Suite - Proficient
- LOS: Byte and Encompass - Advanced/Expert
- Teamwork and collaboration
- Conforming/FHA/VA/Non Conforming
- Self Employed & Wage Earner Income Calculation
- Expert File and Document Management
- Document review and Loan Structuring
- Credit Analysis
- Loan Underwriting Requirements
- Expert Deadline Management
- Attention to Detail
Languages
English
Full Professional
Spanish
Full Professional
Timeline
Loan Processor
Home American Mortgage
06.2024 - 02.2025
Purchase Qualifying Processor
American Financing Corporation
04.2024 - 06.2024
Non QM/BSL Processor
American Financing Corporation
01.2024 - 04.2024
Sr. Loan Processor
American Financing Corporation
05.2019 - 11.2022
Loan Processor
Mortgage Solutions Financial
07.2018 - 02.2019
Loan Processor
BOKF dba Colorado State Bank and Trust
07.2016 - 10.2017
HAMP Underwriter
Recovco Mortgage Management
02.2015 - 11.2015
Associate of Arts - Criminal Justice
Florida State University
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