Rick Hoskins
Lake Elsinore
Summary
Dynamic mortgage professional seeking a rewarding and challenging position within a secure and growing institution that values proven abilities and promotes organizational success. Expertise in mortgage processing, with extensive experience managing loan applications, ensuring regulatory compliance, and collaborating effectively with team members to achieve optimal outcomes. Recognized for adaptability in fast-paced environments while consistently upholding high standards of client service and accuracy. Proficient in financial analysis and document verification, ready to contribute to the organization's success.
Overview
23
23
years of professional experience
Work History
Sr Mortgage Processor/Post Closing Remediation
Lennar Mortgage
Phoenix, AZ
07.2015 - 12.2025
- Processed jumbo loans, Fha VA, conventional and USDA as a Sr loan processor. Collaborating with various borrower profiles. Reviewed and analyzed tax returns, income documents, bank statements, verification of employment, title documents, and self-employment documentation to ensure accuracy. Gained extensive knowledge of varying state lending laws and procedures by processing loans nationwide. Later I was promoted to post-remediation specialist team by recalculating income on post closed loans, calculating taxes and reaching out to borrowers for missing documentation. Underwrote loans to facilitate error-free sales to investors.
Sr RE Mortgage Processor
Arizona Central Credit Union
05.2014 - 04.2015
- Processing FHA, VA, Purchase, Manufactured Homes, refinances and USDA. Responsible for training temps and new employees. Performing income calculations, self employment analysis, rental income calculations, builder cost breakdowns, and reviewing tax returns. Ordering engineer certifications when needed. Approving and balancing Hud's with title companies. Using DU and LP interfaces to accurately prepare a loan for underwriting. Collecting documents and other resources to ensure closing a sellable loan. Working closely with my loan originator to also give the customer the best experience possible. Interacting with customers with welcome calls and working closely with my borrowers to again help with the customer experience. Utilizing various government sites and third party verification sites to ensure the integrity of the loan.
Sr RE Mortgage Processor
National Bank Of Arizona
04.2013 - 11.2013
- Processing FHA, VA, Purchase, Construction loans and refinances. Performing income calculations, self employment analysis, rental income calculations, builder cost breakdowns, and reviewing tax returns. Using DU and LP interfaces to accurately prepare a loan for underwriting. Collecting documents and other resources to ensure closing a sellable loan. Working closely with my loan originator to also give the customer the best experience possible. Interacting with customers with welcome calls and working closely with my borrowers to again help with the customer experience. Utilizing various government sites and third party verification sites to ensure the integrity of the loan.
- Laid off
Sr Mortgage Processor/Team Lead
JPMorgan Chase
07.2009 - 04.2013
- Processing refinances, purchase, and FHA/VA loans. Also a processor in the Super streamline process for Chase Bank. Income calculating, reviewing tax returns and reviewing credit reports. Also collecting any forms or disclosures needed before closing documents are drawn. Making closing calls to the customer and explaining all aspects of their new loan including the breaking down the hud statement. In addition setting up the closing with the title company via phone or real ec system. As a team lead I trained and helped prepare the new employees on two different teams along with other supervisor duties.
Mortgage Loan Processor Assistant
JP Morgan Chase/Chaseworks
12.2008 - 05.2009
- Prepare new loan files with employment verification and income calculations. Review and verify tax returns and business entities. Working with title and escrow companies in reviewing loan files for closing. Setting signing appointment for document signing.
- Temp Work
Senior Team Lead Small Business Lending Loan Processor
Washington Mutual Bank FA
07.2007 - 11.2008
- Managing workflow and production of the team providing processing support coordinating project management. Monitor and schedule workflow. Train, guide and develop staff. Research, validate and/or process complex transactions. Process administrative in performance appraisals, hiring decisions and recommendations in promotions. Prepare and analyze reports of financial, processor, and or bank-related data. A liaison between functions/departments to facilitate coordination in problem resolution.
Sr. Customer Service/Email Specialist
Bank of America
09.2005 - 07.2007
- Provided peer coaching and development via collaboration sessions and recognition programs. Analyze reports and develop effective process improvements. Verification of credit card fees and reversals while ensuring current rate was effective to members in providing research and resolution. System troubleshooting for members to access online banking.
Medical Claims CSR/Appeal Processor
Culinary Health Insurance FU
02.2003 - 08.2005
- Provided claim status, disbursement information and denial reasons to providers and members. Researched unpaid or problem claims. Verified medical and benefit eligibility. Practiced company policy, ICD9, HCPCS, and CPT codes and medical coverage revisions.
- Also held the position of Customer Service Analyst(Washington Mutual) 03/1998 to 01/2001
Education
No Degree -
IREAS Appraisal School
Las Vegas, NV05-2008
High School Diploma - undefined
Hesperia High School
Hesperia, CA06-1993
Skills
- High level of computer literacy on MS Office, Excel, Word and some AI software DU, LP, Encompass, Title Pro, SAMGov, Blend,VA Portal, FHA Connection, Frontier, Closer Systems other Lender and banking process systems High understanding of appraisal evaluations and decisions
- Possess excellent critical thinking and problem solving skills with a strong attention to detail My customer service skills and ability to communicate with customers are excellent and I think imperative
- A firm understanding of common Consumer and Small Business banking practices Extensive knowledge with complicated profile customers
- A team player who is goal driven and success oriented
Accomplishments
- Graduated from IREAS Appraisal school 2008
- Achieved 10 year recognition from Lennar
- Processor of the month 7 times.
- 2 Promotions with Lennar
SECTION NAME
Education and/or References Available Upon Request
Timeline
Sr Mortgage Processor/Post Closing Remediation
Lennar Mortgage
07.2015 - 12.2025
Sr RE Mortgage Processor
Arizona Central Credit Union
05.2014 - 04.2015
Sr RE Mortgage Processor
National Bank Of Arizona
04.2013 - 11.2013
Sr Mortgage Processor/Team Lead
JPMorgan Chase
07.2009 - 04.2013
Mortgage Loan Processor Assistant
JP Morgan Chase/Chaseworks
12.2008 - 05.2009
Senior Team Lead Small Business Lending Loan Processor
Washington Mutual Bank FA
07.2007 - 11.2008
Sr. Customer Service/Email Specialist
Bank of America
09.2005 - 07.2007
Medical Claims CSR/Appeal Processor
Culinary Health Insurance FU
02.2003 - 08.2005
High School Diploma - undefined
Hesperia High School
No Degree -
IREAS Appraisal School