ANGELICA GUTIERREZ
Senior Loan Processor
Phoenix,AZ
Summary
Adept at loan processing proficiency and fostering interpersonal relationships, I excel in verifying information and decision-making. At Lennar Mortgage, I spearheaded a team to surpass monthly goals by efficiently managing loan applications, demonstrating adaptability and effective time management. My approach consistently achieves results, with a record of completing loan-processing turnarounds 20% faster than the target. Successfully manages high volumes of loan documentation in fast-paced environments with demanding productivity, funding and customer satisfaction targets. Familiar with verifying tax, credit, employment, loan, personal and residential histories. Comfortable working alone or with team members to accomplish tasks and enhance processes.
Overview
24
24
years of professional experience
Work History
Senior Loan Processor
Lennar Mortgage
04.2024 - Current
- Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
- Gathered property appraisals, surveys and tax records to update mortgage loan files.
- Maintained detailed records of loan transactions and applicant information.
- Calculated borrowers' income and debt ratios to assess loan eligibility.
- Interviewed loan applicants to obtain personal and financial data and assist in completing applications.
- Contributed innovative ideas and solutions to enhance team performance and outcomes.
- Utilized loan processing software for data entry and to streamline workflow.
- Determined loan eligibility by conducting income analysis, credit checks and repayment ability reviews.
- Audited all closed files for completeness prior to submission for post-closing review.
- Upheld compliance with privacy and security requirements, as well as federal statutes covering VA loans.
- Examined and verified information in loan application and closing documents.
- Filed and maintained loan records.
- Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.
- Managed loan application pipeline by completing and submitting reports within allotted turn-around times.
- Submitted detailed loan packages to underwriting department to facilitate approval or denial processes.
- Assembled and compiled title abstracts, insurance forms, loan documents, and tax receipts.
- Checked applicant credit, personal references and employment histories.
- Actively monitored the daily pipeline to ensure timely closings of loans in process.
- Assembled and compiled documents for loan closings.
- Managed conditions sent from underwriting departments.
Transaction Processor
Conduent
11.2023 - 03.2024
- Provided production services to client operations by performing administrative tasks such as data entry, document processing, and scanning.
- Receiving documents in both electronic and hard copy forms for accurate processing.
- Performed data collection and research for the verification of reports, or for special projects and inquiries.
- Made photocopies of materials, reports, and other information.
- Checked figures, posting, and documents for correct entry, mathematical accuracy, and proper codes.
- Organized documentation and filled records to ensure written evidence of events or information that is easily retrievable.
- Ensured the accuracy and completeness of data, performed clerical tasks in data entry, and received and distributed incoming mail and materials.
- Captured and transcribed information based upon client requirements and requests.
- Reviewed and analyzed bank statements to identify any fraudulent activity or errors.
- Interviewed loan applicants to obtain personal and financial data and assist in completing applications.
Bank Sales and Services Representative
USAA
06.2023 - 11.2023
- Assist members in facilitating their financial securities through needs-based sales and service conversations in the banking line of business or product set.
- Provided customers with different options and assisted with completing their auto loan and personal loan applications from start to finish.
- Assisted customers by working with underwriting to complete any overrides, and ensured the requested documentation was provided by customers in a timely manner.
- Review accounts and transactions to ensure adherence to regulatory guidelines and what is required to act and/or escalate non-compliant issues.
- Maintain a high level of customer satisfaction consistent with the company's core values.
Loan Processor III
LoanDepot
10.2020 - 08.2022
- Competently processed challenging [1st time homeowners, self-employed plus borrowers with problematic credit histories & multiple residences] loan applications
- Provided administrative support to the Loan Officer and Underwriting Teams by ensuring the timely, judicious, and accurate processing of mortgage applications.
- Reviewed and verified borrowers' income, credit reports, employment histories, property appraisals, and title insurance information to prepare loan applications for underwriting submittal.
- Monitored and ensured timely processing of loan applications to meet closing dates.
Senior Loan Processor
Freedom Mortgage
11.2019 - 10.2020
- Consistently produced an accurate and complete average loan-processing turnaround of 12 days, compared to the company target of 15 to 20 days.
- Monitored and processed applications, leading to closing, then funding residential loans.
- Coordinated appraisal orders and reviewed appraisal reports for accuracy and compliance.
- Checked applicant credit, personal references and employment histories.
- Prepared detailed reports of all financial transactions associated with each loan application.
- Structured loan packages by properly analyzing credit reports, income and asset documents.
Loan Processor III
Bank of the West
02.2018 - 10.2019
- Ensured each client file was completed prior to underwriting hand-off, and effectively coordinated with title companies to ensure smooth closings.
- Monitored and processed applications leading to funding, then closing residential loans.
- Updated customers regularly on status of their loans throughout the processing period.
- Approved or denied loan applications and explained reasoning behind decisions.
- Monitored and ensured timely processing of loan applications to meet closing dates.
- Compiled closing packages containing all necessary documents required for funding.
Caregiver
08.2017 - 02.2018
- Managed finances, household supplies, travel logistics, life activities, and social interaction in a safe environment for vulnerable individuals.
Sr. Loan Processor
Chase
11.2011 - 07.2017
- Recognized for exceeding the monthly performance goal by consistently completing 22 or more files.
- Monitored and processed applications leading to funding, then closed residential loans.
- Ensured compliance with company policies, underwriting guidelines, and lending program requirements.
- Collaborated closely with underwriters when reviewing files for final approval.
- Ensured compliance with federal and state regulations throughout the loan processing phase.
- Utilized loan processing software to manage and track loan progress efficiently.
Insurance Specialist II
QBE Insurance, formally Bank of America
10.2008 - 10.2011
- Promoted from residential and personal property claims intake to underwriting review, and approved check releases so the homeowner and client could begin their repairs.
- Strengthened traceability by developing organization systems for keeping records, reports, and agendas.
- Leveraged industry trends to shape solutions and approaches.
- Contacted underwriters and submitted forms to obtain binder coverage.
- Facilitated dispute resolution between customers and insurance providers when necessary.
- Identified areas of potential fraud or abuse in claims processing activities.
Collector III
JP Morgan Chase
03.2001 - 09.2008
- Increased the recovery of past-due amounts for multiple collection portfolios in compliance with established goals and operational processes.
- Located new addresses of delinquent customers through research, contacting credit bureaus or by questioning neighbors.
- Recorded information about status of collection efforts.
- Updated accounts and credit reports to reflect recent changes.
- Adhered strictly to all applicable federal laws governing consumer protection rights during collection activities.
- Analyzed financial statements of debtors to determine feasible payment solutions.
- Located and monitored overdue accounts using billing system to begin collections process.
Education
Certified - Early Childhood Education
Idaho State University
Idaho05-1993
Diploma - High Shool
Bonneville High School
Idaho05-1991
Skills
- Verifying information
- Decision-making confidence
- Loan processing proficiency
- Software application proficiency
- Interpersonal relationship building
- Contract finalization
- Preparing applications
- Processing procedures
- Effective time management
- Adaptability to change
Timeline
Senior Loan Processor
Lennar Mortgage
04.2024 - Current
Transaction Processor
Conduent
11.2023 - 03.2024
Bank Sales and Services Representative
USAA
06.2023 - 11.2023
Loan Processor III
LoanDepot
10.2020 - 08.2022
Senior Loan Processor
Freedom Mortgage
11.2019 - 10.2020
Loan Processor III
Bank of the West
02.2018 - 10.2019
Caregiver
08.2017 - 02.2018
Sr. Loan Processor
Chase
11.2011 - 07.2017
Insurance Specialist II
QBE Insurance, formally Bank of America
10.2008 - 10.2011
Collector III
JP Morgan Chase
03.2001 - 09.2008
Certified - Early Childhood Education
Idaho State University
Diploma - High Shool
Bonneville High School
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