Shannon S Miller4834 West Morrow DriveGlendale, Arizona 85308

Phone: 602-625-3257Shansmiller1972@gmail.com

OBJECTIVETo work in a challenging environment which will showcase my acquired work experience and superior customer service skills.

WORK EXPERIENCESr. Loan ProcessorJanuary 2015 - presentBlue Brick FinancialReview all files within 24 hours for accuracy, pre underwrite all files, send out needs list to all borrowers. Running all loans through investors websites, through DU and LP. Submitting all applications through investor websites, making sure application meets all investor guidelines Ordering all appraisals through VTS system, once appraisals are uploaded and approved, call out to borrowers with value and any needed repairs. Seeing all loans through application to post closing. Draw own docs through DocMagic, insuring all information is accurate. Approve all Settlement Statements, sending and calling all borrowers to go over breakdown of costs. Ordering all required verifications, VOE, Verificaiton of Mortgage, credit supplements and VOD's. Preparing all files for funding, insuring all final documents are accurate with new investor guidelines. Responsible for collecting all funding and post closing conditions. Capable of carrying a large pipeline. FHA/VA/USDA/Conventional. TRID trained.

Sr. Loan Processor (Maracay builder processor was laid off due to lack of work)May 2014 - December 2014On Q Financial Verify all loan documents. Review and clear all funding conditions, verify the accuracy of the files for neccesary documents. Knowledge of DU and LP systems. Responsible for ordering appraisals, declining files, calling on VOE, and verifyng Home Owners Insurance is current and paid. Following the Patriot Act on all files. Submitting files to appropriate investors for credit approval. Capable of carrying a large pipeline. Responsible for reviewing, analyzing and calculating qualifying income documentation from personal and business tax returns. Have excellent written and verbal communication skills. Strong understanding of GFE, TIL and RESPA rules. Conventional/USDA/VA/FHA/DAP programs. Processed all of West Valley.

Loan Doc Specialist 4 Senior Processor February 2009-May 2014Wells Fargo Bank Future StatePerforming a variety of loan documentation duties on complex loan packages to ensure compliance with Company policies and procedures for loan products. Processing, closing and compliance for loan products. Interpreting policies while analyzing applicant, property and other documentation. Ordering all required verifications, documentation and performing subsequent follow-ups. May provide guidance and training to other loan documentation team members. May manage an assigned pipeline of loans. May act as a liaison between lenders and legal department. Jr. Underwriter, before initial submission to underwriting. Process all DAP loans, FHA, VA, Conforming and Non Conforming loans. Rated top 10% companywide for customer loyalty three years in a row. Carry anywhere from 45-100 loans in active pipeline. Top producer with funding between 35 and 50 loans a month. Trained all new hires within the branch, had own lending authority to clear processing conditions.

Senior Loan Processor (closed doors)February 2008 - January 2009 GMAC Mortgage | State:AZ Retail lending, FHA/VA/Bond Loans. Receive and complete setup of incoming loan applications. Validate appropriate documentation as required by processing option, DU, or other automated underwriting or evaluation tools. Record and analyze all incoming information to ensure guideline compliance and evaluate loan feasibility. Determine and obtain acceptable methods of documentation and compensating factors when necessary. Send written requests or make phone calls to customers, attorneys, Realtors, and other third parties to obtain additional information required. Use of fulfillment system as a tracking method to record status and customer information. Make underwriting decision and/or recommendations on all loan files within stated lending authorities. Identify transactions which need Underwriter review; package and submit within in pre-determined timeframes. Review and apply new information received regarding investor and underwriting guidelines, company policies, processing procedures, etc. Issue customer correspondence. Commitment letters, 10 day incomplete letters, Re-disclosure requirements, TILs and any agency specific documents. Maintain close communication with customers, Sales partners and Operations Team Lead to ensure proper and timely fulfillment. When applicable facilitate the ordering of payoffs, subordinations (both internal and external) and work with third party vendor to obtain title policy. Clear all conditions using company approved procedures. Perform State High Cost test (if applicable). Meet established productivity levels and turn around times as set by National Operations.

Operations Manager (closed doors)March 2006 – January 18, 2008 Lydian Data Services/Virtual Bank Mortgage | Scottsdale, AZ Verify loan documents on all loans before closing and funding. Review and clear funding conditions, with a 1 million dollar signing authority, verify the accuracy of the HUD-1 for section 32 violations. Analyzed risk potential and made sound lending judgments on Conventional, FHA, VA and Jumbo loans. Provided employees timely, candid and constructive performance feedback; developed employees to their fullest potential and provided challenging opportunities that enhanced employee career growth. Interviewed and hired the appropriate talent pool to ensure adequate level of service and planning based on; recognizing and rewarding employees for accomplishments. Communicated with customers in a manner which required sensitivity, tact and professionalism. Prepared department production and goal projection reports for the company. Carried a small pipeline to keep up with regulations, program changes and guidelines.

Sr.Loan Processor/Team Lead (closed subprime office)June 2003 – Feb 2006 DHI Mortgage | Scottsdale, AZ Verify loan documents. Review and clear funding conditions, verify the accuracy of the HUD-1 for section 32 violations & Homeowners Insurance. Stip files for necessary documents. Responsible for verifying the integrity of the loan documents. Stacking of credit and legal side of files, inputting of all initial loan information. Running appraisal requests for Hanson Pro. Appraisal reports, declining files, call on VOE and verify Home Owners Insurance current or paid. Ordering Verification of Deposits, verifing funds to close. Running experity to insure valid citizenship. Submitting files to appropriate investors for credit approvals. In charge of all suspense related issues, resolutions. Manage 9 processors, for all Western states. Opened up processing unit in Austin, TX, corporate office.

EDUCATIONProfessional, August 2005 - currentLydian/Virtual Bank | Phoenix, AZ Basic Teller Training, Member Service Representative Training, Compliance Training (General Operations Regulations, Deposit Account Regulations, Consumer Lending Regulations, Mortgage Lending Regulations, NCUA Requirements & Guidance, Bank Secrecy Act Tutorial, Truth in Savings Act Tutorial, Truth in Lending Tutorial, Equal Credit Opportunity Act Tutorial), Leadership Track (Achieve Global Classes: The Principles of Qualities of Genuine Leadership, Managing your Priorities, Providing Constructive Feedback, Giving Recognition, Building Team Pride and Purpose, People Power, Developing Team Agility, Resolving Conflicts with your Peers, Personal Strategies for Navigating Change, Overcoming Stress); up to date on on regulations, have the ability to draw own docs through the use of DocMagic. Trid trained

High School Diploma, June 1990 Snohomish High School