Linda Benton
Huntington Beach
Summary
Dynamic Senior Foreclosure Specialist at Guild Mortgage with expertise in legal compliance and stakeholder communication. Proven track record of enhancing operational efficiency and training teams, while managing complex foreclosure processes. Adept at problem-solving and maintaining meticulous documentation, ensuring timely resolutions and superior customer service.
Overview
26
26
years of professional experience
Work History
Senior Foreclosure Specialist
Guild Mortgage
San Diego
08.2023 - 08.2025
- Coordinated communication between stakeholders to facilitate resolution processes.
- Analyzed property documentation to identify discrepancies and resolve issues.
- Managed timelines for foreclosure processes to ensure timely execution of actions.
- Trained junior staff on foreclosure protocols and best practices in operations.
- Developed and maintained relationships with legal professionals involved in foreclosures.
- Implemented process improvements to enhance efficiency in handling cases.
- Organized and managed a large volume of documents related to foreclosures.
- Maintained accurate records of all foreclosure-related activities.
- Conducted thorough title searches to ensure clear property ownership.
- Reviewed legal documents for accuracy and compliance with regulations.
Senior Loan Processor
Ladera Lending
Ladera Ranch
05.2020 - 02.2022
- Responsible for processing a pipeline of minimum 55 plus loans per month.
- Responsible for providing an updated pipeline report daily to designated parties.
- Ensured that the highest levels of customer service were provided and maintained in the execution of duties and provision of products to the Bank's customers.
- Reviewed loan application packages for completeness and accuracy, reconciled application against system input. Verified application with borrowers during the introductory call.
- Verified and validated supporting income, asset and liability documentation to ensure the validity of the approved system. Reviewed and analyze the credit report. Verified that the loan fits the program the Loan Officer has placed or locked the loan in.
- Updated information to ensure disclosures were sent to borrowers in timeframes required (Per TRID guidelines) Made sure disclosures were accurate as to program and fees.
- Processed of all types of mortgage loans( Conventional, FHA,& VA,) and all necessary related documentation required. Order credit, credit supplements, flood certifications, open escrow or title, extension of locks, and HOI insurance. And all additional paperwork required to process a variety of mortgage transactions.
- Reviewed preliminary title reports and appraisals and identified items that needed to be addressed, depending on the type of transaction. Notify underwriter and loan consultants of any issues that may change loan approval results.
- Highly developed communication skills. In keeping in close contact with loan consultants, borrowers, operations personnel, title company personnel, and all related or third party persons; as needed to insure clear communications throughout the loan process, and maintained checklists and/or documentation of all such contacts.
- Made Borrower Introduction calls within 48 hours of receipt of loan file assignment.
- Updated Loan Origination System (LOS) file with specific conversation log every 48 hours.
- Called out closing disclosure and scheduling information to Borrowers 48 hours prior to signing appointment.
- Maintained e-folder with all documents and Thin Hard File during the loan processing.
- Remained impartial throughout every transaction and maintain confidentiality.
- Followed Bank policies and procedures.
- Followed Bank policies and procedures for every mortgage transaction and review any deviations or unusual transactions with Supervisor.
- Meet department established service standards.
- Establish and maintain effective working relationships as required by job responsibilities.
- Kept abreast of changes in policies, procedures and regulations applicable to work unit.
- Responsible for continuing knowledge of investor guidelines as it relates to loan products.
- Promptly responded to request for additional information/documentation as needed for loan approval.
- Responsible for completing HMDA and decline procedures before submitting file to underwriter.
Client Relationship Manager/ Senior Processor
Sprout Mortgage / Recovco
Irvine
08.2018 - 04.2020
- Assist Loan Officers and AE facilitate gathering conditions, pricing, locks and lock extensions.
- Processing Retail and Wholesale & Correspondence loan files.
Senior Loan Processor/ Senior Sales Coordinator
Pacific Union Financial LLC
03.2015 - 01.2018
- Processed loan files from receipt of the loan application to funding, by gathering and reviewing all pertinent information, and providing excellent customer service to borrowers.
- Verified, compiled information for mortgage loans. Pre-Underwriting loan files prior to submitting the files to Underwriting for Initial loan approval.
- I was also responsible for on boarding new Branches under the role of sales coordinator. I held both positions at the same time.
- Reviewed residential loan application file and documentation to verify that application data is complete and meet establishment standards, including type and amount of mortgage, borrower assets, liabilities, opened title, escrow, verified EMD, 24 month chain of Title, and prepared escrow instructions, hazard insurance, credit and title supplements, demands for payoffs, flood certs, and written verifications of employment.
- Ordered and followed up on underwriting and funding conditions and called or writes credit bureau and employer to verify accuracy of information.
- Correcting 1003 and 1008 forms to ensure consistency of information in the loan file.
- Ordering and reviewing HUD Closing Statement prior to doc signing and sets signing appointments with borrowers.
- Reviewing and submitting approved mortgage loan file to mortgage loan closer for settlement and obtains final funding conditions and submits loan file to funding.
- Recording data on status of loans, including number of new applications and loans approved, canceled, or denied.
- Holding daily meetings with current and new on boarding branches.
- Managing their pipelines and lock expiring dates.
- Dali reports on fundings, clear to close, and new loan files.
- Making sure all of the branches loan files were closing in a timely manner.
- Motoring all branches monthly projections.
Loan Processor II
Prospect Mortgage
Sherman Oaks
09.2011 - 06.2014
- Processed loan files from receipt of the loan application to funding, by gathering and reviewing all pertinent information, and providing excellent customer service to borrowers.
- Verified, compiled information for mortgage loans.
- Reviewed residential loan application file and documentation to verify that application data is complete and meet establishment standards, including type and amount of mortgage, borrower assets, liabilities, opened title, escrow, verified EMD, 24 month chain of Title, and prepared escrow instructions, hazard insurance, credit and title supplements, demands for payoffs, flood certs, and written verifications of employment.
- Ordered and followed up on underwriting and funding conditions and called or writes credit bureau and employer to verify accuracy of information.
- Correcting 1003 and 1008 forms to ensure consistency of information in the loan file.
- Ordering and reviewing HUD Closing Statement prior to doc signing and sets signing appointments with borrowers.
- Reviewing and submitting approved mortgage loan file to mortgage loan closer for settlement and obtains final funding conditions and submits loan file to funding.
- Recording data on status of loans, including number of new applications and loans approved, canceled, or denied.
Underwriter
Bank Of America
Brea
10.2010 - 03.2011
- Responsible for clearing conditions and issuing changes to the terms on previously approved loans.
- Responsible for but not limited to verifying conditions of approval which may include, customer income/assets documentation, resolves routine title issues including, but not limited to the following: vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens; may processes subordinations; resolves appraisal disputes; coordinating closing activities.
Loan Processor/ Closer
Wells Fargo
San Bernardino
02.2004 - 10.2010
- Reviewed residential and commercial loan applications and reviewed documentation to verify that application data is complete and meet establishment standards, including type and amount of mortgage, borrower assets, liabilities, title, escrow, hazard insurance, credit and title supplements, demands for payoffs, flood certifications, and written verifications of employment.
- Ordered and followed up on underwriting and funding conditions and called or writes credit bureau and employer to verify accuracy of information.
- Correcting 1003 and 1008 forms to ensure consistency of information in the loan file.
- Typing loan application forms and calls specified companies to obtain property abstract, survey, and appraisal.
- Ordering and reviewing HUD Closing Statement prior to doc signing and sets signing appointments with borrowers.
- Reviewing and submitting approved mortgage loan file to mortgage loan closer for settlement and obtains final funding conditions and submits loan file to funding.
- Recording data on status of loans, including number of new applications and loans approved, canceled, or denied.
- Reviewed mortgage loan documents and files and prepare for final closings.
- Assembled loan documents and verified their accuracy for final transmittal and the review of closed loan files and the resolution of exceptions in order to ensure the mortgage is a recordable document.
- Reviewed closing documents for proper execution and completion.
- Ensured all required documents were include and lender requirements were fulfilled.
- Identified exception issues and follow through on resolution.
- Handle the HUD estimates.
- Experienced with closing loans based on the 2010 RESPA guidelines.
- Production standards for funding 20 fundings a day.
- Working knowledge of FHA and VA closings.
BK / FC Processor
GE Captiol Mortgage
San Bernardino
01.2000 - 02.2004
- Updated computer with information via Pacer, and Lenstar.
- Updated client's database with information.
- Prepared and generated legal documents and notices as required.
- Coordinated with title companies for necessary documents, recordings, searches etc, and verified for accuracy and completeness.
- Prepared reinstatements and payoff's quotes and processed funds when received.
- Disposed of completed files, including sending final invoices to clients.
- Monitor follow-up letters for files on hold.
- Obtain necessary information from client's database systems.
- Answered telephone inquiries.
- Followed up on outstanding documents/services.
- Completed tasks through 3rd Party systems.
- Performed other duties and responsibilities as needed.
Education
Associate of Arts - Business
Business
Riverside, CA05-1989
Skills
- Fair Housing Regulations
- Escrow
- Credit Analysis
- Tax Experience
- Operations Management
- Underwriting
- Pricing
- Account Reconciliation
- Banking
- Management
- Accounting
- Routine Operational Duties
- FHA
- Conventional
- VA
- 203k
- Home Ready
- Regulatory Compliance
- TRID
- Pre-Underwriting
- AUS
- DU
- Residential
- Construction
- Commercial Mortgage Loans
- Sales Coordinating
- Mortgage & Real Estate Lending
- Loan Workout Experience
- HUD
- Pileline Managing
- Closing 20-40 loans per month
- Property analysis
- Foreclosure process management
- Documentation accuracy
- Legal compliance review
- Stakeholder communication
- Customer relationship management
- Process improvement
- Time management
- Team training and development
- Problem solving
- Attention to detail
- Effective communication
- Negotiation skills
- Risk assessment
- Documentation and recordkeeping
- Data entry and management
- Analytical and research abilities
- Legal compliance
- Deed-in-lieu processing
- Eviction process
- Loan modification experience
- Training and mentoring
- Mortgage industry experience
- Foreclosure process
- Portfolio management expertise
- Loan origination systems
- Escrow management
- Title review
- Professionalism and ethics
- Loan servicing proficiency
- Real estate market analysis
- Organizational and planning skills
- Continuous learning and development
- Property preservation strategies
- Legal bills examination
- Asset valuation techniques
- Eviction procedures mastery
- Document review accuracy
- Document preparation
- Timeline compliance
- Foreclosure document review
- Foreclosure legal support
- Document accuracy
Additional Information - Areas Of Expertise
- Routine Operational Duties
- FHA, Conventional, VA, 203k, Home Ready
- Regulatory Compliance
- TRID
- Pre-Underwriting
- AUS, DU
- Operations Management
- Residential, Construction and Commercial Mortgage Loans
- Sales Coordinating
- Mortgage & Real Estate Lending
- Loan Workout Experience
- HUD
- Pipeline Managing
- Closing 20-40 loans per month
Assessments
- Management & leadership skills: Impact & influence, Expert, 04/22
- Work style: Reliability, Expert, 02/22
- Customer service, Proficient, 05/22
- Work motivation, Proficient, 04/22
Personal Information
- Willing To Relocate: Anywhere
- Authorized To Work: US for any employer
Timeline
Senior Foreclosure Specialist
Guild Mortgage
08.2023 - 08.2025
Senior Loan Processor
Ladera Lending
05.2020 - 02.2022
Client Relationship Manager/ Senior Processor
Sprout Mortgage / Recovco
08.2018 - 04.2020
Senior Loan Processor/ Senior Sales Coordinator
Pacific Union Financial LLC
03.2015 - 01.2018
Loan Processor II
Prospect Mortgage
09.2011 - 06.2014
Underwriter
Bank Of America
10.2010 - 03.2011
Loan Processor/ Closer
Wells Fargo
02.2004 - 10.2010
BK / FC Processor
GE Captiol Mortgage
01.2000 - 02.2004
Associate of Arts - Business
Business