ANDREA ESTRELLA

Work History

Gateway Mortgage Group

01.2021 - 05.2022

Conduct interviews in person and by telephone with clients to assess and determine eligibility for home mortgage products.
Understand many comprehensive programs and how to critically analyze complex guidelines to communicate and render decision on eligibility, while working independently to determine eligibility and approval.
Audit complex income, assets, credit reports and other documentation for purposes of financing approval. Assure proper application of federal laws and regulations.
Extensive understanding of underwriting, credit, home lending products and pricing, fair lending, UDAAP, HMDA, and other consumer focused regulatory requirements
Solid knowledge and understanding of audit or risk methodologies and supporting tools.
Experience in auditing credit risk in mortgage originations and servicing.

Bank Of America

09.2016 - 01.2021

Conducted interviews over telephone and in person, analyzed complex confidential data and guidelines to determined needs, eligibility and objectives.
Developed effective strategy for engaging with clients and teammates with limited guidance.
Developed business partnerships as well as with teams companywide through professional communication while using excellent judgement, troubleshooting, problem solving and analysis.
Prepared content for and hosted weekly meetings, trained and coached team for shared expertise. Attending weekly meetings and trainings.
Exceeded organizations customer satisfaction scores, maintained professional client relationships while supporting quality and compliance procedures.
Developed ways to improve existing practices and increased home mortgage volume for several bank branches by over 300% year over year.
Acted as team leader in group projects, delegating tasks and providing feedback, participated in other projects as directed.

Self-employeed

04.2011 - 09.2016

Volunteered in school classrooms aiding and assisting children and teachers.
Built positive and nurturing environments to support child social and emotional growth.
Maintained effective schedule balance between rest periods, active play and instruction.
Honed in soft skill such as compassion, patience and empathy.
Promoted language development skills through reading and creating activities.

JPMorgan Chase

09.2007 - 04.2011

Primary point of contact for client after application process until final decision and home loan closing.
Audit and prepare client application for completeness and accuracy, reviewing supporting documents i.e., income sources, benefits, eligibility, assets, liabilities and credit reports for underwriting review.
Collect and audited documents for compliance with underwriting and government guidelines, coordinate with clients and outside organizations to obtain additional documentation to complete final loan decision and closing.
Uphold constant communication with internal and external parties involved in process to ensure excellent customer service and timely decisions.
Navigate enterprise website along with other external sites and tools for appropriate documentation and information.
Managed over 70 loan pipeline monthly.