STACY FISHER
Phoenix
Summary
Professional with strong track record in loan processing. Expertise in evaluating financial documents, ensuring compliance, and managing loan applications efficiently. Adept at collaborating with teams to meet deadlines and deliver results. Known for reliability, adaptability, and keen eye for detail. Strong organizational skills and customer-focused approach.
Overview
26
26
years of professional experience
Work History
Loan Processor
E Mortgage Capital
Irvine
07.2021 - Current
- Performed all mortgage lending functions
- Process loan applications, reviewed & analyzed financial statements, tax returns & verified personal assets to approve for a loan.
- Communicated with clients to identify their financial needs & goals and educate borrowers on different types of loan programs available.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
- Collaborated with other departments including sales, underwriting, legal teams for seamless coordination during the entire loan cycle process.
Loan Processor
San Diego Mortgage Group
San Diego, CA
09.2013 - 06.2021
- Accurately calculate income for all types of borrowers.
- Request, review and verify all loan documents such as income, credit, appraisal and title insurance, to ensure complete and accurate information is in the file before it is sent to Lender.
- Prioritize and monitor daily workflow in order to ensure all loans are being worked on in accordance with company's timeline expectations.
- Maintain constant communication with all applicable parties on status updates and/or changes to the loan.
- Ensure any necessary and critical changes which require re-disclosure have been accurately notated and checked in the loan origination system for compliance purposes.
Contract Underwriter
Bank of America
Westlake Village
01.2012 - 02.2013
- Underwriting of Conventional Agency and Jumbo loans consisting of 8 imaged files per day for prime borrowers.
- Responsible for investigating, reviewing and analyzing information on borrowers & documentation within the loan file to make a sound judgment decision & access risks whether approving or declining the loan file and to ensure accuracy of documentation and scenarios of the loan file to prevent fraud and or misrepresentation.
- Underwriting of files to an automated Underwriting system decision using DU or LP and/or manual underwriting of loans with a signing authority of $1million.
- Document all findings found within the loan file to support my decision of approving or declining a loan file and all instances of fraud/misrepresentation found within the loan file with specific emphasis on underwriting, loan audits and investigations.
- Stipulate all conditions required to approve and fund the loan file in accordance with company guidelines and compliance requirements.
Case Manager
Law Office of Kim Scovis
Thousand Oaks
03.2009 - 12.2011
- Negotiated with banks modifications on client’s loans and managed the resolution of complex consumer loans.
- Analyzed the extent of the potential loss, identified the problems and provided input into the plan of resolution and dealt effectively with environmental risks, code violations, natural disasters, TILA, RESPA, FCRA, GLBA as well as state and federal laws relating to financial privacy, fair lending, collections and bankruptcy.
- Review and compile fully documented loan histories, imaged documents and information available from all sources to collectively determine if it validates the information used to make the home retention / loss mitigation decision.
- Prepared petitions from start to finish for Chapter 7&13 bankruptcy, E-filings petitions, motions, responses and other legal documents, preparing pleadings for the attorney and prepared case ready for court hearings.
Underwriter
Countrywide Home Loans
West Hills
08.2000 - 09.2009
- Examine loan file documentation to determine acceptability of borrowers’ credit histories, adequacy of liquid assets and financial capacity in relation to loan requests.
- Reviewed, examined and underwrote loans to ensure soundness, business value and compliance with investor standards and guidelines.
- Reviewed, evaluated and synthesized data to ascertain loan viability and identified risk issues and potential fraud.
- Responsible for investigating, reviewing and analyzing overall loan documentation to ensure accuracy and completeness during the underwriting of loan files.
- Stipulate all conditions required to approve and fund the loan file in accordance with company guidelines and compliance requirements.
Education
Diploma -
Oak Meadow School
Los Angeles, CA06-1997
License - Mortgage Loan Originator License
The Loan Officer School
Los Angeles, CA09-2022
Skills
- Quick learner possessing exceptional communication skills
- Results-driven and well-organized with proven ability to effectively prioritize work, completing multiple concurrent assignments within critical time constraints
- Recognized for professionalism, creativity, problem solving skills and resourcefulness (extensive use Point, Arive, Encompass and additional research tools)
- Thorough knowledge of all manual underwriting procedures and AUS feedback (including DU and LP)
Timeline
Loan Processor
E Mortgage Capital
07.2021 - Current
Loan Processor
San Diego Mortgage Group
09.2013 - 06.2021
Contract Underwriter
Bank of America
01.2012 - 02.2013
Case Manager
Law Office of Kim Scovis
03.2009 - 12.2011
Underwriter
Countrywide Home Loans
08.2000 - 09.2009
Diploma -
Oak Meadow School
License - Mortgage Loan Originator License
The Loan Officer School