Jennifer R. Morales
Chino Hills,CA
Summary
Seeking employment with an organization where I can utilize my skills, gain further experience and excel.
Overview
13
13
years of professional experience
Work History
Commercial Loan Processing Assistant
Golden 1 Credit Union
06.2025 - Current
- Processed loan applications ensuring compliance with credit union policies and guidelines.
- Coordinated communication between loan officers and clients to facilitate timely processing.
- Reviewed financial documents for accuracy, completeness, and adherence to lending standards.
- Assisted in resolving client inquiries regarding loan status and documentation requirements.
- Maintained organized records of loan applications, enhancing retrieval efficiency for audits.
- Help with anything processors or management need.
- Open loan for processors.
- Order third party documents.
Loan Processor
Luther Burbank Savings
04.2020 - 04.2023
- Review of incoming loan packages and documents to determine if client meets minimum requirements of the bank.
- Communicate with borrower effectively to retrieve all documents in a timely manner, while maintaining excellent customer service.
- Correspond with borrower, management, loan officer, underwriter, closer, and any other third party involved in the transaction.
- Knowledge of entity structures, i.e. LLC’s, LP’s, Corporations, and Trusts.
- Opening Title and Escrow and communicating throughout the process of different stages of the loan. Making sure to request Preliminary Title Reports, Escrow Instructions, Pay off demands and other supplements, amendments that may be needed for the transaction.
- Ordering multiple reports in a timely manner to make sure the borrower and/or property meets the banks requirements, i.e. credit reports, environmental reports, liquefaction, and appraisals.
- Reviewing documents from third parties such as Preliminary Title Reports, easements, Title exceptions, amendments to purchase contracts, and any other documents to see if any items may need attention and reviewed by an Underwriter.
- Completing any conditions for the Underwriter or Closer for a smooth and successful closing.
- Confirm that all due diligence has been completed before sending a loan package to the Underwriter.
- Review leases, estoppels, and SNDA’s for commercial/retail properties.
- Keep track of any documents expiring, i.e. Credit Reports, Preliminary Title Reports, Commitment Letter, and Rate locks.
- Ensuring that loans are funded within the borrower’s realistic request date.
- Order and review Flood and Hazard insurance to make sure that the policy meets all of the banks regulatory requirements.
- Interact with internal departments as needed to resolve any issues or variances related to insurance.
- Correspond, either verbally or in writing, as necessary with insurance agent, and insurance companies to resolve any issues or discrepancies.
- Ability to meet deadlines to remain compliant with customer’s requests.
- Prioritize and organize workload to ensure policies are processed, issued and place in a timely manner while communicating frequently to manage customer expectations.
- Regular follow-up via phone and email for pending documents
- Act as a liaison between the income property lending department and appraisal department.
- Perform the initial review of documents sent to the appraisal department.
- Provide administrative support to team - entering data and dates, uploading and reviewing documents, and sending out requested documents internally and externally.
Credit Specialist
Holliday Rock
09.2018 - 04.2020
- Manage the status of accounts and balances and identify inconsistencies
- Issue and post bills, receipts and invoices
- Audit bills for accuracy and compliance with contract
- Monitor and take appropriate action to collect past-due accounts.
- Receiving and sorting incoming payments with attention to credibility
- Update accounts receivable database with new accounts or missed payments
- Ensure all clients remain informed on their outstanding debts and deadlines
- Send delinquent accounts to the collections department
- Provide reports communicating project billing status and monthly billing activity.
Ops Generalist
OGI Mortgage Bankers
12.2016 - 06.2018
- Perform verification of employment for applicants seeking financing (by phone, fax, email, work number, Uconfirm)
- Perform verification of deposits for applicants seeking financing (by phone, BankVOD.com, DecisionLogic, fax, email)
- Regularly review reports for outstanding documents per investor, and ensure documents do not exceed 60 days or more.
- Follow up with investors to verify all conditions are satisfied and loans are funded in an expedited manner.
- Confirm when loan conditions are uploaded and notify the underwriters.
- Request for final title policies from the title companies and ship top respective investors when loans are purchased.
- Perform transmission of information on loans and forward critical documents in correct order to appropriate investors.
- Send collaterals to appropriate warehouse lenders in a timely manner.
- Work on resolving any post-closing issues or deficiencies.
- Order original Deed of Trust from the County Recorder’s Office, if DOT has not been received within 60 days of purchase date.
- Organize original Deed of Trust that are received from the County Recorder’s office and ship them to respective investors when loans are sold.
Flex Staff
Watson & Associates
01.2013 - 12.2016
- Work with distributor sales representatives on training them on our client’s products to ensure the sales of Key Impact products and not a competitor’s products are being sold.
- Manage daily distributor functions such as answering customer phone calls, schedule and prepare for meetings to help meet company objectives.
- Work trade shows to promote products to customers and increase sales.
- Get sample products to distributor sales representatives.
- Follow-up with accounts by either phone or email to make sure their orders are complete and to thank them for their business.
- Perform additional duties as required.
Skills
- Excellent communication skills, both verbal and written
- Ability to work independently
- Hardworking, determined, dependable and job centric
- Able to adapt
- Able to multi-task, prioritize and plan my schedule
- Positive thinking, problem solver, self-directed and results-oriented
- Ability to work well under pressure and effectively interface with customers, external and internal partners within a high production environment
Timeline
Commercial Loan Processing Assistant
Golden 1 Credit Union
06.2025 - Current
Loan Processor
Luther Burbank Savings
04.2020 - 04.2023
Credit Specialist
Holliday Rock
09.2018 - 04.2020
Ops Generalist
OGI Mortgage Bankers
12.2016 - 06.2018
Flex Staff
Watson & Associates
01.2013 - 12.2016