Bertha G Chavez
Pasadena,TX
Summary
Highly motivated and adaptable professional seeking a new role with a dynamic company that offers opportunities for growth, learning, and professional development. Committed to utilizing my skills and experience to contribute to the success of the organization while continuously expanding my knowledge and expertise.
Overview
17
17
years of professional experience
Work History
Real Estate Loan Underwriter
Shell Federal Credit Union
Deer Park , TX
05.2020 - 05.2024
- Reviewed loan documentation to ensure accuracy and completeness of borrower's financial information.
- Analyzed credit data, including credit reports, income statements, bank statements and appraisals.
- Determined if the applicant meets the established criteria for loan approval.
- Performed quality control checks to ensure compliance with all federal regulations related to mortgage lending.
- Maintained an up-to-date knowledge of investor requirements for specific types of loans.
- Participated in regular training sessions designed to keep up with changing regulations in the real estate industry.
Consumer Loan Underwriter
Shell Federal Credit Union
Deer Park , TX
05.2011 - 05.2020
- Reviewed loan applications to determine creditworthiness of applicants and analyzed financial information such as income, assets, liabilities, and credit history.
- Assessed risk factors associated with loans including applicant's debt-to-income ratio and capacity to repay the loan.
- Evaluated loan documents for accuracy and completeness in accordance with established guidelines.
- Determined appropriate loan terms based on customer profile and credit score.
- Investigated discrepancies between borrowers' stated incomes versus other sources of verification.
- Provided guidance to internal staff on complex underwriting questions or issues related to consumer loans.
- Attended training sessions and seminars related to consumer lending laws and regulations in order to maintain knowledge base necessary for job performance requirements .
- Evaluated financial, income and credit documentation to make loan decisions.
Loan Officer
Shell Federal Credit Union
Deer Park , TX
04.2007 - 05.2011
- Counseled clients on debt management and repayment plans.
- Verified accuracy of loan documents prior to approval.
- Explained various types of loans available to customers and their associated terms and conditions.
- Responded promptly to customer inquiries regarding their accounts or other matters related to consumer lending operations.
- Identified opportunities for cross-selling additional products and services.
- Participated in community events to promote bank's consumer lending services.
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
Education
High School Diploma -
Glades Central High School
Belle Glade, FL06-1998
Skills
- Income verification
- Quality Control Procedures
- Bilingual
- Credit analysis
- Cash Flow analysis
- Documentation Review
- Creditworthiness Determination
- Loan File Maintenance
- Income Evaluation
- Attention to Detail
- Application Review
- Automated Underwriting System (AUS)
- Decision-Making
- Effective Communication
- Task Prioritization
- Customer service-focused
- Continuous Improvement
- Customer Service
- Microsoft Office
- 10-Key Data Entry
- Problem-solving abilities
- NMLS Registration
- Teamwork and Collaboration
- Team building
- Active Listening
- Basic Mathematics
- Problem-solving aptitude
- Client Counseling
- Multitasking
Timeline
Real Estate Loan Underwriter
Shell Federal Credit Union
05.2020 - 05.2024
Consumer Loan Underwriter
Shell Federal Credit Union
05.2011 - 05.2020
Loan Officer
Shell Federal Credit Union
04.2007 - 05.2011
High School Diploma -
Glades Central High School
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