Carolina Lozano

Carolina Lozano Mortgage Loan Processor - Cornerstone Home Lending San Antonio, TX- Work Experience Loan Processor Randolph-Brooks Federal Credit Union - Schertz, TX August 2019 to January 2020 Run AUS engines and reading DU and LP guidelines Strong knowledge of guidelines and mortgage software Orders VOEs, follow up on verifications, obtain corrections if necessary Calculates and Process applications for FHA, VA, Conv, and USDA loans Order/ Reviews title, submits request for proper schedules A, B, C, requests updates for title work Orders Flood determinations, obtains flood notifications Requests Homeowners and Flood insurance if necessary Orders Surveys and obtain corrections if required Ordering Appraisals for Builders, Conventional, FHA and VA loans Utilizing encompass for all transactions Conducting intro, follow-up, and final approval calls. Loan Officer Assistant Directions Home Loan - San Antonio, TX March 2019 to July 2019 Update strong pipeline information daily Schedule appointments, meetings, requests, and cancellations for loan officer Strong knowledge of LOS and encompass Prepare and maintain mortgage loan files from application to submission into processing and ensure the completeness and accuracy of required documents. Gather and analyze credit documentation to ensure the loan file is prepared for processing and order any third party items, such as credit reports and appraisals, as instructed by the Loan Originator. Review and calculate borrower income and assets to ensure compliance with underwriting guidelines. Communicate status updates to clients, Loan Originators and referral partners. Monitor and interpret product, underwriting, and compliance guidelines and maintain a current file of applicable guidelines. Review rates and terms of mortgage loan products with consumers, as requested by Loan Originator. Prepare, send, and retrieve disclosures Perform all normal processing duties (direct submission from origination to underwriting) Mortgage Loan Processor Cornerstone Home Lending - San Antonio, TX May 2016 to March 2019 Run AUS engines and reading DU and LP guidelines Strong knowledge of guidelines and mortgage software Orders VOEs, follow up on verifications, obtain corrections if necessary Calculates self employed and W2 income 1. Years In retail banking allows for reviewing assets with accuracy Process applications for FHA, VA, Conv, and USDA loans Order/ Reviews title, submits request for proper schedules A, B, C, requests updates for title work Orders Flood determinations, obtains flood notifications Requests Homeowners and Flood insurance if necessary Orders Surveys and obtain corrections if required Ordering Appraisals for Builders, Conventional, FHA and VA loans Review Appraisals and orders Final inspections Communicates with Members and teammates, meets strong deadlines, managing average pipeline of 10-18 loans a month. Consumer Loan Specialist Randolph-Brooks Federal Credit Union - Live Oak, TX September 2014 to November 2015 Live Oak, TX September 2014 to November 2015 Assisted with loan processing to include verification of incoming title work, fees collected, verification of VIN and importation into banking system, and verifying power of attorney documentation. Collected various fees for Texas DMV and National Park and Wildlife. Acted as a liaison between underwriters and members for RV, ATV, Jetski, Farm vehicle, credit card, vehicle, and personal loans. •Organize, review and process consumer loan applications and paperwork to finalize loans •Communicate with members to obtain and verify personal required loan and account information •Audit consumer files, verify rates, and properly document special collateral to ensure accuracy •Process drafts, title work and work with external vendors to create sound working relationships Senior Member Representative Security Service Federal Credit Union - San Antonio, TX May 2007 to August 2014 Led team as a supervisor for over 5 years. Conducted on the job training, continued credit union education, and led fundraising projects. Assisted management team with estimating, buying, ordering, shipping of cash reserves for the branch. Processed Mortgage payments to include additional principal, tax, or escrow amounts if necessary. Verified large amounts of cash on a daily basis. Assisted members with account services, monetary postings, and financial questions Conducted various electronic cash transactions, including ACH and bank wire transfers. Led team trainings and balanced account drawer with minimal errors and high service efficiency Utilized retention techniques to retain members and provided financial alternatives Helped supervisory team with post-audits to ensure our transactions were in compliance Assisted members with consumer lending needs from origination to closing. Acted as a liaison between underwriters and members in a professional manner Education Bachelor's in Applied Sciences in Business Management Wayland Baptist University - San Antonio, TX August 2010 to August 2014 Skills • • • • • • • • • • • • • • • Budgeting (Less than 1 year) budgets (Less than 1 year) CLERICAL LOAN (1 year) DNA (Less than 1 year) FHA (3 years) Fiserv (Less than 1 year) loan origination (Less than 1 year) loan processing (1 year) loans (10+ years) Mortgage (10+ years) Mortgage Loan (3 years) retail (3 years) retail banking (3 years) RETAIL MARKETING (3 years) Encompass