BERTINA LAMPING
San Antonio,Texas
Summary
Considered by employers as hardworking and heavily relied upon asset in all positions. Talented team player professional with 20 combined years of diverse experience in banking and financial Industry; Diligent, honest and an extremely focused individual. Excellent problem solving and project management skills realized through multiple successful achievements within diverse environments. Focus strengths on enhancing productivity, increasing sales, and cutting costs in alignment with company goals and visions. Strong communicator able to liaise and negotiate with clients, executives, and colleague personnel. Proficient in Microsoft office. Nautilus, Loan HD, Encompass, Cadence, Black Knight, Salesforce, Jira
Overview
19
19
years of professional experience
Work History
Senior Mortgage Quality Underwriting Analyst
Pentagon Federal Credit Union, PENFED
11.2021 - 11.2022
- First line and Second line of defense after underwriting approved file
- Performed quality control review on Post Closed Retail and Heloc loans including Conventional / Jumbo and VA loans
- Reviewed appraisal, income, assets, Eligibility, Occupancy and title making sure to abide by PenFed and investors guidelines
- Reviewed Pre- Funding loans -Retail only and worked directly with mortgage operations team to clear defects
- Reviewed early payment default loans and identified reason for early default
- Facilitated ideas on how to fix defects and avoid the defects
- Supported manager to review FNMA guideline changes and revise LOANHD test tabs to match the FNMA requirements and PenFed guidelines.
Mortgage processor
Pentagon Federal Credit Union, PENFED
07.2019 - 10.2021
- Subject matter expert in all PenFed Mortgage products and mortgage process
- Facilitated training for all new hires and walk them through the process
- Mains point of contact for the Member, the realtors, the title company and the appraisers
- Advocated for the Members to make the mortgage experience smooth, less stressful and meet the members desired closing date every time
- Reviewed all loan documentation from the member, the title company, the realtor and the appraiser and prepare the loan for underwriting
- Reviewed investor's guidelines to make sure that we are being compliant before the loan goes to underwriting
- Worked as the middle person between the Member, underwriter, closer, the title company, the appraiser and the investors.
Mortgage processor
USAA Federal Savings Bank
11.2016 - 06.2019
- Mains point of contact for the Member, the realtors, the title company and the appraisers
- Advocated for the Members to make the mortgage experience smooth, less stressful and meet the members closing date every time
- Reviewed all loan documentation from the member, the title company, the realtor and the appraiser and prepare the loan for underwriting
- Reviewed investor's guidelines to make sure that we are being compliant before the loan goes to underwriting
- Worked as the middle person between the Member, underwriter, closer, the title company, the appraiser and the investors.
Branch Operations Support Analyst
JP Morgan Chase
05.2012 - 10.2016
- Supported both Business and Consumer branch bankers in resolving bank issues as per JP Morgan
- Chase policy and procedures, researching the policies and procedures to keep the Bank in compliance with all the accounts they opened
- Advised branch bankers and helped them in reviewing documentation required in opening, maintaining and closing both business and consumer accounts
- Advised branch bankers on the importance of proper documentation, KYC (know your customer) and the importance of building relationships so the bank can maintain excellent customer service while making sure they were opening credible accounts to avoid fraud and in compliance while opening credible accounts.
Senior Loss Mitigation Analyst
Chase Home Finance
01.2005 - 01.2010
- Followed the investor's guidelines FNMA and FREDMAC in reviewing leads from collections, customer's mail, faxes and online application for potential modifications, repayment plan and forbearances
- Acted as the middle person who negotiated the terms and conditions for what will benefit the lender, the investor and the Member by negotiating and analyzing customers situations and creatively providing solutions with the intent to keep customers in their homes and mitigate loss exposure to Huntington
- Underwrote all documents required as part of the Loss Mitigation efforts (modification, forbearances, repayment plans, short payoff, Deed in Lieu, etc.) Chase Home Finance.
Banking Center Representative
National City Bank - PNC
01.2004 - 01.2005
- Selected to serve as initial line of communications between customers and National City's busiest branch
- Personally accommodate 200 customers on an average day
- Processed transactions, including cashing checks, handling deposits/withdrawals, money order and cashier checks
- Responsible for handling and balancing cash drawers
- Provided high degree of customer service in response to needs and discrepancies
- Field banking center calls and market retail financial products and services Credited with maintaining positive relations when handling customer disputes; recipient of certificate of achievement for performance excellence.
Education
Bachelors - Business Administration and Human Resources
Franklin University
Skills
- Demographics Information
- Financial Advisement
- Business Operations
- Financial Expertise
- Client Relationships
- Loan Origination
- Application Packaging
- Underwriting Proficiency
- Microsoft Excel
- Underwriting Regulations
- Mortgage Lending
- Loss Control
- Customer Interaction
- Client Analysis
- Email Correspondence
- Customer Satisfaction
- Service Quality
- Production Goals
- Statistical Data
- Monitoring Results
- Customer Proposals
Timeline
Senior Mortgage Quality Underwriting Analyst
Pentagon Federal Credit Union, PENFED
11.2021 - 11.2022
Mortgage processor
Pentagon Federal Credit Union, PENFED
07.2019 - 10.2021
Mortgage processor
USAA Federal Savings Bank
11.2016 - 06.2019
Branch Operations Support Analyst
JP Morgan Chase
05.2012 - 10.2016
Senior Loss Mitigation Analyst
Chase Home Finance
01.2005 - 01.2010
Banking Center Representative
National City Bank - PNC
01.2004 - 01.2005
Bachelors - Business Administration and Human Resources
Franklin University
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