Bernadette Rico Gallegos
2406 W Peralta Cir., Mesa,AZ
Summary
Professional Accurate and dedicated Loan Processor evaluates financial documentation and promotes positive client interactions. Works exceptionally well in fast-paced environments driven by tight deadlines. Employs critical eye toward document details and customer information to avoid errors and promote efficiency. Knowledgeable and efficient professional with extensive experience in financial industry. Prepares detailed client financial information to meet strict government and state regulations. Possesses comprehensive knowledge of conventional and government loan programs to fulfill customer needs.
Overview
38
38
years of professional experience
Work History
Catalog Specialist
Tek Systems
09.2022 - 01.2024
- Responsible for catalog audits on the website.
- Evaluated 225 records for accuracy to correspond with guidelines.
- Verified 225 photo to be within the guidelines for the background and the quality is correct.
- Follow the taxonomy for convenience and grocery bar-codes and where the item would be located.
Short Sale Underwriter I
LoanCare Servicing LLC
04.2021 - 06.2022
- Improved risk assessment accuracy by conducting thorough reviews of 90 loan applications and financial documents.
- Enhanced underwriting efficiency with the implementation of an automated system for managing application data.
- Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful underwriting.
- Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
Bankruptcy Specialist I
LoanCare Servicing LLC
07.2019 - 04.2021
- Provide excellent and courteous customer service to clients that are in active and discharge chapter 7 and 13 bankruptcy
- Perform customer verifications effectively communicate with customer via telephone, email, and chat
- Provided information in response to inquiries about mortgage products and services
- Provide information in response to inquiries about mortgage products and services evaluate all relevant information to handle inquiries and complaints
- Maintain customer records by updating account information
- Assist with identifying root causes and explain the best solution to resolve customer concerns in an expedient manner
- Review the loan on Black Knight-MSP, BKFS LoanSphere and AACER in order to explain to the homeowner where the bankruptcy process stands
- Know the processes for FNMA, FHLMC, FHA, VA and GNMA and Private Investors
- Assist with the Spanish speakers in translating.
Document Review Specialist
Epiq Systems
02.2019 - 06.2019
- Review documents that were breached.
- Enter data from breached documents.
- Redact certain information that is required when sending documents.
- 2nd level review of data entered missing information, made certain information is correct and accurate.
- Used electronic systems for data entry, tracking and analysis.
Customer Service Representative
RemX
10.2018 - 02.2019
- Assisted customers finding solutions to problems making recommendations based on extensive product knowledge.
- Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming positive experiences.
- Process 30 enrollment forms received through incoming faxes.
- Answered 50 incoming calls, and faxes daily, addressing customer inquiries and providing information on status of case.
- Assist patient and healthcare providers with enrollment forms.
- Provided information regarding copay assistance program and Merck Patient Assistance Program.
- Obtained insurance policy details for providers and prescriptions for the pharmacy.
- Report Potential Adverse Events.
Mortgage Loan Processor
Movement Mortgage
11.2015 - 06.2018
- Provide support to loan officer and underwriter teams by ensuring the timely, judicious, and accurate processing of mortgages.
- Review and verify borrowers' income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submission.
- Ensure compliance with company policies, underwriting guidelines and lending program requirements.
- Make sure all files were completed prior to underwriting hand-off and coordinate effectively with title companies to ensure smooth closings.
- Managed pipeline of 35-40 loans at any given time.
Home Preservation Specialist
Wells Fargo Bank
01.2015 - 11.2015
- Provide support to loan officer and underwriter teams by ensuring the timely, judicious, and accurate processing of mortgages.
- Review and verify borrowers' income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submission.
- Ensure compliance with company policies, underwriting guidelines and lending program requirements.
- Ascertain all files were completed prior to underwriting hand-off and coordinate effectively with title companies to ensure smooth closings.
- Managed pipeline of 30-35 loans at any given time.
Customer Service A/R Supervisor
Emerald AR Systems Medical Extended Business Office
08.2012 - 01.2015
- Provided leadership, oversight, and support to team of EBO Account
- Lead team meetings.
- Assist with enforcing company policies and procedures to front line staff.
- Conduct call observations and evaluations for front line staff.
- Reconciliation of accounts daily.
- Set the automated dialer for inbound calls.
- Managed total department call volume of 250 per day.
- Communicate with client via computer portal regarding patient account.
- Assign tasks and projects as needed to make goals.
- Resolve all patient complaints.
- Directed training of new team members and mentored each to promote productivity accuracy and friendly service.
- Facilitate ongoing development of front-line staff confirming satisfactory level of proficiency.
- Review, validate and report areas of non-compliance of policy.
- Answered average of 50 calls, emails and faxes per day, addressing customer inquiries, solving problems and providing new product information.
- Translate scripts from English to Spanish.
Lead Clerk
Circle K
01.2011 - 08.2012
- Provided customer service.
- Cashier Audit inventory to place orders.
- Coordinating deliveries.
- Money accountability.
- Assist customers.
Customer Service
Mortgage PRO USA LLC
07.2009 - 01.2011
- Exhibited exceptional customer service at all times, including addressing customer inquiries and ensuring resolution.
- Entered orders into a computer database system.
- Adhered to all company policies procedures and safety standards.
- Utilized exceptional communication to connect with customers, assess needs and present solutions.
- Answered incoming calls, and faxes daily, addressing customer inquiries and providing information on status of case.
- Organized and scheduled office meetings as well as client appointments for team of 5 professionals, effectively accommodating hectic agendas.
- Set up appointments.
- Contact Real Estate Agents and Title Agencies.
- Contact lenders to facilitate any conditions from the mortgage loan.
- Gather additional documentation to meet all conditions and close escrow on time.
- Making sure closing of mortgage loan had taken place and to deliver any updates or changes to all parties involved on the Real Estate transaction.
English Structured Language Tech
Holmes Elementary
08.2007 - 05.2009
- Tech Monolingual Children English.
- Letter naming and sounding.
- Instruct students to write.
- Teach phonemic awareness.
- Assist with state testing.
District Leader
Primerica
06.2006 - 08.2007
- Present Financial Needs Analysis
- Contact customers to refinance
- Assist to complete first mortgage applications and second mortgage applications
- Provided property and causality insurance
- Help people get out of debt and collect all paperwork for investments.
Instructional Aide
Center of Education Excellence
08.2004 - 06.2006
- Assistance in kindergarten classroom.
- Prepare letters and PowerPoint presentations for parents.
- Design writing lessons.
- Give instruction on class work and assist the children in reading/preparing reading lessons.
- Complete paperwork for lunches that have been ordered.
- Supervise children at lunch time and after school.
- Construct art lessons and assist student with the lesson.
Substitute Teacher/Playground Aide/Translator/Nurse
Burke Basic School
11.2001 - 07.2004
- Supervised all ages of children on the before and after school and at recess.
- Assisted in the classroom helping the children to read and write.
- Administered medical assistance to the children in the nurse's office.
- Provided translation for Spanish speaking families.
Medical Transcription
DEIS
09.1999 - 11.2001
- Performed data transcribing of medical forms and documents in home.
- Performed clerical and office duties.
- Completed tasks on or before deadlines with no supervision.
- Knowledge of medical codes and the correct forms needed.
Police Officer
City of Albuquerque
05.1987 - 06.2000
- Enforced all City, State and Federal Laws
- Handled Traffic Stops, DUI/DWI, Domestic Abuse, Child Abuse and all other law infractions
- Provided translating Spanish to English and transcribed documents and reports
- Completed interviews with victims and witnesses
- Handled investigations, undercover work, and confidentiality
- Accomplished acting supervisor duties.
Administrator II
City of Albuquerque
05.1986 - 05.1987
- Performed typing, transcribing, interviewing victims and witnesses
- Handled setting appointments
- Accomplished all office and clerical duties as needed
- Gave instruction on class work
- Performed acting supervisor responsibilities.
Education
Associate of Arts in Business Administration - Business Administration
American Intercontinental Un.
Hoffman Estates, IL06.2005
Skills
- Fully bilingual
- Microsoft Word, Excel and Power Point
- Provide outstanding customer services
- Great verbal and writing communication
- Self-motivate
- Ability to adapt to ongoing change
- Strong interpersonal communication and organization
- Efficient in creating a call center focus
References
Professional references furnished upon request.
Languages
Spanish
Native or Bilingual
References
References available upon request.
Timeline
Catalog Specialist
Tek Systems
09.2022 - 01.2024
Short Sale Underwriter I
LoanCare Servicing LLC
04.2021 - 06.2022
Bankruptcy Specialist I
LoanCare Servicing LLC
07.2019 - 04.2021
Document Review Specialist
Epiq Systems
02.2019 - 06.2019
Customer Service Representative
RemX
10.2018 - 02.2019
Mortgage Loan Processor
Movement Mortgage
11.2015 - 06.2018
Home Preservation Specialist
Wells Fargo Bank
01.2015 - 11.2015
Customer Service A/R Supervisor
Emerald AR Systems Medical Extended Business Office
08.2012 - 01.2015
Lead Clerk
Circle K
01.2011 - 08.2012
Customer Service
Mortgage PRO USA LLC
07.2009 - 01.2011
English Structured Language Tech
Holmes Elementary
08.2007 - 05.2009
District Leader
Primerica
06.2006 - 08.2007
Instructional Aide
Center of Education Excellence
08.2004 - 06.2006
Substitute Teacher/Playground Aide/Translator/Nurse
Burke Basic School
11.2001 - 07.2004
Medical Transcription
DEIS
09.1999 - 11.2001
Police Officer
City of Albuquerque
05.1987 - 06.2000
Administrator II
City of Albuquerque
05.1986 - 05.1987
Associate of Arts in Business Administration - Business Administration
American Intercontinental Un.
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