franz gayle

Analyzed and coordinated daily pricing exceptions (rate locks, loan exceptions, and locking of loans) Managed PVR (Pricing Variance Report) Day 1 and Day7 Research and analytical support Assisted Loan Consultants with pricing and loan products Performed HMDA audits for closing teams to ensure file integrity and quality Preformed High Cost test with the use of pricing index and lock confirmation Cleared stipulations and conditions Worked with proprietary software (Loan Tracking Database, MLCS, Special Rate Lock Notification, Pep Tool, Geocoding System) Processed Capital Markets marketing authorizations (lock transfers, branch extension, off sheet rate quotes, Overnight protections) Ensured file integrity and prepared closing document file (MLCS/Loan Works) Responsible for funding and disbursement of loans

Analyzed and coordinated daily pricing exceptions (rate locks, loan exceptions, float downs, product changes and locking of loans) Managed PVR (Pricing Variance Report) Day 1 and Day7 Research and analytically support Assisted Loan Consultants with pricing and loan products Developed and maintained CLD (Centralized Lock Desk) policy and procedures Worked with proprietary software (Loan Tracking Database, MLCS, Special Rate Lock Notification, Pep Tool, Geocoding System) Processed Capital Markets marketing authorizations (lock transfers, branch extension, off sheet rate quotes, Overnight protections)

Prepared all docs for residential closings per company guidelines Was responsible for calculating Yield Spread and Interest Cleared stipulations and conditions Was responsible for prepared and disbursement of wires Reviewed HUD-1 settlement statements ensuring all funds, payoffs etc. were received at closing Closed a pipeline of 130 loans per month Was responsible for validating and verifying loan application information Assisted funding manager and underwriters to push loan files through processing and funding

Prepared and processed closing for retail mortgage loans Checked documentation for accuracy and potential problems Reviewed HUD 1 settlement statements ensuring funds that are received and expected at closing Obtain payoff, escrow balances insurance premiums and verifying taxes

Confirmed taxes and revised notes from the Loan Officer to ensure whether borrower is waiving taxes or not Coordinated with buyers, sellers, title companies, escrow agents and real estate agents to obtain additional documentation, complete loan submissions and performed closing updates Verified all closing costs and fees Assisted borrower with wire transfer instructions Review final figures with borrowers Verified all required documents available to begin loan process

Ensured file integrity and prepared closing document file (MLCS/Loan Works) Remained current on Washington Mutual, policies and ensure compliance therewith Was responsible for funding and disbursement of loans Performed quality control review of loan and ensure post-funding conditions have been met Processed closing documents for Governmental, Conventional, FHA, VA and purchase loans Reviewed HUD 1 Settlement Statements ensuring all funds that are received and expected at closing Ensured pricing exceptions updated in MLCS and locked information were accurate and up to date Interacted with Lock Desk- verifying lock rates and other pertinent information regarding pricing Used matrices and rate sheets to make sure locks correspond with lock date and availability Performed HMDA audits for closing teams to ensure file integrity and quality Preformed High Cost test with the use of pricing index and lock confirmation Cleared stipulations and conditions