Brenda Viera-Felix
North Las Vegas
Summary
Results-driven consumer loan underwriter with expertise in credit analysis, regulatory compliance, and risk assessment. Proven ability to mentor junior staff and streamline underwriting processes, ensuring adherence to industry standards. Looking for a position where I'm given the opportunity to play a direct role in the growth and success of the company and continue to develop strong leadership skills.
Overview
17
17
years of professional experience
Work History
Bilingual Consumer Loan Underwriter 3(Spanish)
Wells Fargo & Company
Las Vegas
02.2019 - 10.2024
- Evaluated consumer loan applications for creditworthiness and risk assessment.
- Analyzed financial documents to determine borrower eligibility and loan amounts.
- Collaborated with loan officers to clarify application details and required documentation.
- Communicated underwriting decisions to clients and resolved any inquiries promptly.
- Ensured compliance with regulatory guidelines and internal policies during the underwriting process.
- Reviewed and updated underwriting guidelines based on industry changes and best practices.
- Mentored junior underwriters on effective evaluation techniques and decision-making processes.
- Certified and trained new team members.
- Evaluated over lending requests up to $50k from junior underwriters and trainees.
- Reviewed loan applications to determine creditworthiness of applicants and analyzed financial information such as income, assets, liabilities, and credit history.
- Provided guidance to internal staff on complex underwriting questions or issues related to consumer loans.
- Assessed risk factors associated with loans including applicant's debt-to-income ratio and capacity to repay the loan.
- Attended training sessions and seminars related to consumer lending laws and regulations in order to maintain knowledge base necessary for job performance requirements .
- Mitigated regulatory risks by evaluating loans in accordance with guidelines and regulations.
- Determined whether loans should be approved, declined, or counter-offered.
- Approved or denied new loan applications and credit limit increases based on established criteria while maintaining compliance standards set forth by governing agencies.
- Adhered strictly to company policies regarding privacy laws and procedures when dealing with sensitive customer information.
- Evaluated financial, income and credit documentation to make loan decisions.
Bilingual Consumer Loan Underwriter 2(Spanish)
Wells Fargo & Company
North Las Vegas
09.2013 - 02.2019
- Evaluated loan applications for creditworthiness and risk assessment.
- Collaborated with loan officers to clarify applicant information.
- Reviewed compliance with lending regulations and policies.
- Developed underwriting guidelines to enhance decision-making processes.
- Utilized underwriting software to streamline application processing.
- Adhered strictly to company policies regarding privacy laws and procedures when dealing with sensitive customer information.
- Assessed risk factors associated with loans including applicant's debt-to-income ratio and capacity to repay the loan.
- Approved or denied loan applications based on established criteria while maintaining compliance standards set forth by governing agencies.
- Handled client issues with prompt and effective resolutions to increase satisfaction scores.
- Evaluated financial, income and credit documentation to make loan decisions.
- Conducted research into background information about potential borrowers using multiple resources such as Experian or Equifax reports.
- Attended training sessions and seminars related to consumer lending laws and regulations in order to maintain knowledge base necessary for job performance requirements .
- Analyzed borrower's ability to pay off debts by examining their current income levels and expenses.
- Take daily phone calls, and make outbound calls to process loan applications.
- Resolve customers' concerns, and deescalate calls and complaints.
- Review and process over lending requests for junior underwriters up top my lending authority.
Bilingual Consumer Loan Underwriter(Spanish)
Wells Fargo & Company
Las Vegas
09.2011 - 09.2013
- Reviewed loan applications for compliance with bank policies and regulations.
- Analyzed borrower credit histories to assess risk and lending eligibility.
- Collaborated with loan officers to clarify documentation requirements and processes.
- Evaluated financial statements to determine borrower capacity for repayment.
- Assisted in training new underwriters on best practices and procedures.
- Communicated effectively with external partners regarding status of underwriting process.
- Analyzed borrower's ability to pay off debts by examining their current income levels and expenses.
- Provided guidance to internal staff on complex underwriting questions or issues related to consumer loans.
- Reviewed loan applications to determine creditworthiness of applicants and analyzed financial information such as income, assets, liabilities, and credit history.
- Determined whether loans should be approved, declined, or counter-offered.
- Mitigated regulatory risks by evaluating loans in accordance with guidelines and regulations.
- Handled client issues with prompt and effective resolutions to increase satisfaction scores.
- Approved or denied loan applications based on established criteria while maintaining compliance standards set forth by governing agencies.
- Conducted research into background information about potential borrowers using multiple resources such as Experian or Equifax reports.
- Assessed risk factors associated with loans including applicant's debt-to-income ratio and capacity to repay the loan.
- 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.
- Facilitated on-time loan application completions by providing support to loan officers and processors.
- Adhered strictly to company policies regarding privacy laws and procedures when dealing with sensitive customer information.
- Take phone calls and make outbound calls to process loan applications.
Small Business Owner
cleaning company
Las Vegas
07.2007 - 09.2011
- Trained and supervised staff to ensure high-quality customer service.
- Oversaw daily operations of small business including customer service and financial management.
- Monitored customer feedback and implemented changes based on their suggestions.
- Ensured compliance with applicable laws and regulations while running the business.
- Implemented efficient processes for ordering inventory and tracking deliveries.
- Trained, coached and mentored employees to facilitate safety and consistent quality of work.
- Scheduled, coordinated and organized appointments for estimate.
- Maintained calendar management for business.
- Managed and processed invoices.
Education
High School Diploma -
Green Valley High School
Henderson, NV06-2002
Skills
- Proficient with Provenir, FDR, CSS, HOGAN, SVP, IRRIS, Wisdom, Innovis, CUSP, Microsoft Excel, Microsoft Outlook, Microsoft Office
- Bilingual
- Customer Service
- Multi-Tasker
- Phone Skills
- Organization Skills
- Quality Driven
- Team Player
- Mentor Qualities
Languages
English
Professional
Spanish
Professional
Timeline
Bilingual Consumer Loan Underwriter 3(Spanish)
Wells Fargo & Company
02.2019 - 10.2024
Bilingual Consumer Loan Underwriter 2(Spanish)
Wells Fargo & Company
09.2013 - 02.2019
Bilingual Consumer Loan Underwriter(Spanish)
Wells Fargo & Company
09.2011 - 09.2013
Small Business Owner
cleaning company
07.2007 - 09.2011
High School Diploma -
Green Valley High School
Similar Profiles
Mutombo YomboMutombo Yombo
Correspondence Agent at Wells Fargo & CompanyCorrespondence Agent at Wells Fargo & Company
Lillie KingLillie King
Premier Phone Banker at Wells Fargo & CompanyPremier Phone Banker at Wells Fargo & Company
Thomas DeBesseThomas DeBesse
Branch Banking Region Executive at Wells Fargo & CompanyBranch Banking Region Executive at Wells Fargo & Company
RONALD L. TATE, JR.RONALD L. TATE, JR.
Executive Director- Head of Supplier Diversity & Sustainability at WELLS FARGO & COMPANY (WFC)Executive Director- Head of Supplier Diversity & Sustainability at WELLS FARGO & COMPANY (WFC)
Lena JohnsonLena Johnson
Sales Ambassador at Orangetheory FitnessSales Ambassador at Orangetheory Fitness