Results-driven Lending Professional eager to contribute operations, underwriting, and team leadership proficiencies toward supporting the employer in optimizing bottom-line performance.

 

         Dependable and productive with substantial experience in banking and lending industry.

         Detail-driven, analytical, and structured with a sharp blend of strategic thinking, prioritization, problem solving, and interpersonal skills.

         Advanced knowledge and awareness of lending rules, regulations and products; highly adept throughout complete mortgage lifecycle.

         Foster and effectively maintain cohesive relationships at all levels throughout an organization.

         Considerable staff management skills including training, mentoring, evaluating and supervision; motivate personnel to achieve peak levels of productivity

         Employ solid communication skills to collect required information for loan approval process, and able to confidently explain rationale behind credit decisions.

 

 

Wachovia, San Antonio, TX, 2010 to Present

Loan Documentation Specialist

         Methodically examine all loan documentation to ensure completeness prior to advancement.  

         Process requests for loan modifications and update mortgage systems as needed.

         Proactively communicate with management and other departments to expedite loan process.

 

Peyton Resource Group (USAA Federal Savings Bank), San Antonio, TX, 2009

Mortgage Loan Review Analyst

         Diligently steered loan program quality assurance and compliance with regulatory, investor and company requirements.

         Ensured completeness and accuracy of loan documentation encompassing credit documents, property appraisals and underwriting decisions.

         Critically assessed loans identified as having potential fraudulent activities or salability issues.

         Seamlessly expedited audit review and responses for investors and agencies.

         Leveraged a collaborative work ethic in supporting OTS examinations and audits by VA, investors, and quality control vendor.  

 

Wachovia, San Antonio, 2009

Loss Mitigation Underwriter

         Exercised strong organizational skills to review income documentation such as paystubs, tax returns and bank statements, accurately calculate borrowers total monthly income and earnings, and ensure consistent adherence to Loss Mitigation department standards and guidelines.  

 

Continued

 

 

 

 

Yyyyyy x. yyyyyy ~ Page 2 of 2

 

Professional Experience continued

 

Kelly Financial Services (USAA Federal Savings Bank), San Antonio, TX, 2009

Bank Fulfillment Specialist C Mortgage Closing / Funding

         Drove efficient mortgage closing and funding operations by ensuring proper documentation was requested, prepared, received and properly executed in strict accordance with bank, investor and regulatory criteria.

         Meticulously prepared and forwarded loan documents for signature.

         Conducted research as needed regarding loan documents and provided exemplary client service.

 

Wachovia, San Antonio, TX, 2006 to 2008

Portfolio Retention Underwriting Quality Manager

         Performed, directed and supervised full-scope underwriting functions with signing authority of up to $500K and accountability for Level C exceptions.

         Mentored and supervised underwriters, developed and provided effective training material, and verified all loans to be complete and accurate.

         Proficiently guided review and responses for audit requests and contributed to OTS examinations, VA audits, investor audits, and quality control vendor audits.

         Generated monthly quality control reports for management and proactively implemented recommendations from audit findings to achieve measurable improvements.

 

World Savings, San Antonio, TX, 2005 to 2006

Preferred Customer Loan Center Underwriter

         Exhibited keen attention to details in scrutinizing loan-to-value ratio, credit reports and applications to ensure loans complied with stringent company standards.

         Underwrote complex transactions and decisively granted or denied exceptions.  

         Leveraged solid leadership talents toward coaching and mentoring junior underwriters and trainees.

 

                   

 

Prior Background:

 

QLC Specialist, World Savings, San Antonio, TX, 2004 to 2005

 

Customer Service Representative, Hills Pet Nutrition, San Antonio, TX, 1997 to 2004

 

Supervisor C Sales and Operations, Interstate Batteries, San Antonio, TX, 1988 to 1997