Carla Morales
Processor | Underwriter
Summary
Experienced Processor/Underwriter interested in expanding my portfolio of job skills. Highly efficient at building and maintaining client relationships. Seeking to leverage interpersonal skills to bring a solid customer service perspective.
Overview
22
22
years of professional experience
4
4
years of post-secondary education
Work History
Senior Loan Processor
Lennar Mortgage
05.2023 - Current
- Communicate with New Home Consultants, Borrowers, Associates, Escrow/title, and Sales agents.
- Obtain sales contracts, escrow instructions, and any documentation regarding upgrades prior to ordering appraisal for all purchases.
- Follow-up on closed loan documentation to ensure compliance with all Secondary Marketing standards.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
Ramp Agent
Quantum Aviation Services (UPS)
09.2022 - 04.2024
- Properly and safely loads and unloads freight. Including build up and break down of cargo pallets and freight containers following guidelines;
- Holds equipment certifications and operates equipment safely;
- Obtains proper security documents for all shipments;
- Verifies upon receipt from customer shipment pieces, weight, dimensions and airworthiness;
- Verifies upon delivery to customer shipment pieces and airway bill numbers;
Mortgage Loan Processor III - Loan Officer
Truist Bank
09.2019 - 05.2023
- Develop and maintain a strong understanding of Mortgage Lending products, policies, processes, and their required documentation.
- Develop and maintain positive working relationship with internal & external clients, business partners & vendors.
- Obtain required credit and compliance documentation per program requirements from internal & external clients, vendors, and third-party sources.
- Perform detailed review of all documentation to ensure that loans meet portfolio and investor guidelines.
- Adhere to all compliance regulations and controls covering Conventional, FHA, VA, and Portfolio loans.
- Ensure loan quality standards are met when submitting loans to underwriting.
Senior Loan Processor
Eagle Home Mortgage
03.2018 - 09.2019
- Communicate with New Home Consultants, borrowers, associates, escrow/title, and sales agents.
- Obtain sales contracts, escrow instructions, and any documentation regarding upgrades prior to ordering appraisal for all purchases.
- Follow-up on closed loan documentation to ensure compliance with all Secondary Marketing standards.
- Evaluated approvals against established bank and government lending standards.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
Corporate Underwriter - Officer
Bank Of America | Merrill Lynch
01.2016 - 01.2018
- Conventional Non-Conforming High
- Independent underwriting focusing on complex loan structure and financial analysis with loan size range up to $2mm up to $3mm.
- In depth review of individual & corporate tax return analysis for self- employed applicants and/or executives with layered ownership interests in multiple companies or entities.
- Asset review of complex high net clients with multiple sources and percentages of liquidity including cash, vested stock shares, un-vested restricted stock, multiple retirement vehicles & equity ownership interests that must be utilized for qualifying purposes using different qualifying guideline parameters.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
Senior Underwriter - Officer
Bank of America
01.2009 - 12.2015
- Conventional Conforming, Non-conforming, and High Net Worth with loan size range up to $2mm.
- Works closely with loan officer & processor in structuring loans to meet client requirements.
- Analyze complex financial documents.
- Assess client creditworthiness while adhering to all regulatory and compliance requirements.
- Performed credit recommendations to Senior Management.
- Preparation of credit approval package & risk evaluation.
- Participate in special projects as needed.
- End to end role of both Processor and Underwriter roles.
- Guided, mentored and coached underwriters in both technical and professional skills, instilling best practice and company standards.
Senior Customer Service Representative III
Bank of America
01.2004 - 01.2005
- Established Level III support for customers and banking centers with regards to applications in process.
- Respond to and resolve Internal banking associates and external customers with complex issues.
- Coaching and supervision of assigned projects, assisting in mentoring, training, and development of new associates.
- Learned new skills and applied to daily tasks to improve efficiency and productivity.
- Increased customer satisfaction by resolving issues.
- Proved successful working within tight deadlines and fast-paced atmosphere
- Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
Home Service Specialist III
Bank of America
01.2005 - 02.2009
- Serve as primary point of contact providing customer with timely and periodic status updates
- Setting proper expectations of loan process.
- Potential restructuring of initial credit request to ensure that both bank and client’s’ needs are met
- Income analysis of salary wages, retirement, and Schedule C Self- employed
- Investigation of fraud indicators, adherence to Patriot Act, and residence verification procedures
- Review of other contingencies including but not limited to appraisal, title, flood and hazard insurance requirements
- Assure that all customer files are complete and in compliance and internal policies before sending to Underwriting.
- Managed over 60 loans with increasing production metrics and sustaining client delight.
Education
High School Diploma -
Port Charlotte High School
Port Charlotte, FL 08.1989 - 06.1993
Skills
Management
Timeline
Senior Loan Processor
Lennar Mortgage
05.2023 - Current
Ramp Agent
Quantum Aviation Services (UPS)
09.2022 - 04.2024
Mortgage Loan Processor III - Loan Officer
Truist Bank
09.2019 - 05.2023
Senior Loan Processor
Eagle Home Mortgage
03.2018 - 09.2019
Corporate Underwriter - Officer
Bank Of America | Merrill Lynch
01.2016 - 01.2018
Senior Underwriter - Officer
Bank of America
01.2009 - 12.2015
Home Service Specialist III
Bank of America
01.2005 - 02.2009
Senior Customer Service Representative III
Bank of America
01.2004 - 01.2005
High School Diploma -
Port Charlotte High School
08.1989 - 06.1993
Financial Connection Toast Masters Club # 9822 - 8/2011 to 8/2012
Toastmasters is a nonprofit educational organization that teaches public speaking and leadership skills through a worldwide network of clubs.
References
Joanne Skierkowski | Bank of America | Senior Underwriter (813) 994-7138
Beth Apice | Truist Bank | Mortgage Loan Officer (941) 456-9868
Fernando Saavedra | Altisource - Underwriting Manager (813) 786-8055
Financial Connection Toast Masters Club # 9822 - 8/2011 to 8/2012
Toastmasters is a nonprofit educational organization that teaches public speaking and leadership skills through a worldwide network of clubs.
References
Joanne Skierkowski | Bank of America | Senior Underwriter (813) 994-7138
Beth Apice | Truist Bank | Mortgage Loan Officer (941) 456-9868
Fernando Saavedra | Altisource - Underwriting Manager (813) 786-8055
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