YOCHEVED KRAUSS

Flushing, NY 11367 H: 347-233-3585 C: 718-208-6806 ykrauss12@gmail.com

PROFESSIONAL SUMMARY
Dynamic and reliable Sr. Processor with ten + years experience in the mortgage business. Self motivated, and works well under pressure and has handled a volume of about 80 loans. Detail oriented with great written and oral communication skills with all parties throughout the loan process.

S KILLS
Loan to Value Ratios Debt to Income Ratios Ease of Encompass Use Lending & Underwriting Guidelines Ability to handle large volume Risk Assessment Credit/Income Analysis Conventional, FHA, VA, 203K, Jumbo Loans

W ORK H ISTORY
Sr. Loan Processor, 03/2012 to 09/2013 Franklin First Financial, LTD 538 Broadhollow Road, Suite 401, Melville, NY 11747 * Clearly communicated with clients, Loan Officers, Processors etc. on what was needed to move the loans to closing * Ordered VODs, VOEs, VORs etc as needed for the loan * Reviewed the documents provided for conditions to ensure they were satisfactory and that the documents did not raise further questions which may need to be addressed * Reviewed file to make sure all was in compliance with Federal and State Regulations * Worked closely with Underwriters on clearing conditions, adding a condition that may have been missed or waiving a condition which may not be required based on the loan structure or documents we received * Worked on a variety of loan types: Conventional, Jumbo, FHA, VA, 203K Sr. Loan Processor, 01/2008 to 03/2012 Guaranteed Home Mortgage Company, Inc. 108 Corporate Park Drive, White Plains, NY 10604 * Reviewed application provided by Loan Officers and sent a detailed list to client or Loan Officer on what items would be needed to submit the file for Underwriting approval * Reviewed the file to make sure it was in compliance and disclosed the loan based on the program and Investor the loan was being submitted to * Reviewed credit, income, asset docs etc to make sure the loan qualified and asked for add itional explanations or documents as needed * Ordered VODs, VOEs, VORs etc * Learned the different Investor guidelines and procedures for the numerous broker relationships we had so files would be submitted in compliance and move smoothly to closing * Ordered appraisal, title, insurance etc working closely with appropriate parties in a professional manner * Submitted loans for approval and worked on getting conditions in once approved to move the loan to closing and have it scheduled Mortgage Loan Processor, 03/2007 to 12/2007 Landmark Funding * Reviewed applications provided by Loan Officers to ensure the loan met program guidelines * Disclosed the loans ensuring it was in compliance with all regulations * Communicated with borrowers on what was needed to move the loan to closing * Reviewed credit, income, assets to ensure the loan qualified prior to submitting for approval * Ordered appraisal, title, insurance and worked closely with appropriate parties to ensure quick turn times * Submitted loans for approval and worked on getting loans cleared once approved and scheduled to close

EDUCATION
High School Diploma : 2000

Beth Jacob High School - Brooklyn, N Y

PROFESSIONAL R EFERENCES
Available upon request