ELIZABETH ZAMORANO
Hacienda Heights
Summary
Executed comprehensive mortgage and loan processing tasks, ensuring compliance and accuracy over 15 years of service.
Overview
19
19
years of professional experience
Work History
LOAN PROCESSOR
CTBC BANK USA
07.2018 - Current
- Provide support to loan officers and underwriter teams by ensuring the timely and accurate processing of Single-Family Mortgage Loans, and 2-4 units.
- Reviewed applications and collected all required documentation for the loan.
- Prepare disclosures for Initial Disclosures and Loan Estimates
- Ordered and reviewed all third-party reports, credit reports, preliminary title reports, and appraisals.
- Reviewed and verified borrowers’ income, credit reports, Verification of Mortgage, Verification of Income, and Tax Returns, and prepare loan files for underwriting submission.
- Ensure compliance with company policies, underwriting guidelines, and lending program requirements.
- Processed loan applications ensuring compliance with regulatory requirements and internal policies.
- Evaluated borrower financial information to assess creditworthiness and risk profiles.
- Coordinated with underwriters to facilitate timely loan approvals and resolve discrepancies.
- Implemented streamlined procedures resulting in improved processing efficiency and reduced turnaround times.
- Trained other processors on best practices for documentation accuracy and workflow management.
- Developed standardized checklists for document collection, enhancing consistency across transactions.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Set up and completed loan submission packages.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Collaborated with other departments including sales, underwriting, legal teams for seamless coordination during the entire loan cycle process.
- Provided quick turnaround times to maintain fast-past schedule.
- Improved loan processing efficiency by streamlining documentation and communication procedures.
SR. LOAN PROCESSOR
GRAND CASTLE, INC., DBA FP MORTGAGE
01.2009 - 07.2017
- Provide support to loan officers and underwriter teams by ensuring the timely and accurate processing of Single-Family Mortgage Loans, and 2-4 units.
- Reviewed applications and collected all required documentation for the loan.
- Prepare disclosures for Loan Estimates and Closing Disclosures.
- Ordered and reviewed all third-party reports, credit reports, preliminary title reports, and appraisals.
- Reviewed and verified borrowers’ income, credit reports, Verification of Mortgage, Verification of Income, and Tax Returns, and prepare loan files for underwriting submission.
- Ensure compliance with company policies, underwriting guidelines, and lending program requirements.
CLERK
DEPARTMENT OF PUBLIC SOCIAL SERVICES
05.2007 - 05.2008
- Performed clerical duties, answering phones, and filing.
- Assisted Eligibility Workers and Unit Clerks.
Education
Associates Degree - Liberal Arts - Sociology Major
East Los Angeles College
Los Angeles, CASkills
- Data entry
- Teamwork and collaboration
- Information verification
- Regulatory compliance
- File management
- Deadline management
- Attention to detail
- Calyx point and Encompass
- Financial document review
- Application review
Awards
Dean’s Honor List
Languages
Spanish
Native or Bilingual
Timeline
LOAN PROCESSOR
CTBC BANK USA
07.2018 - Current
SR. LOAN PROCESSOR
GRAND CASTLE, INC., DBA FP MORTGAGE
01.2009 - 07.2017
CLERK
DEPARTMENT OF PUBLIC SOCIAL SERVICES
05.2007 - 05.2008
Associates Degree - Liberal Arts - Sociology Major
East Los Angeles College