Carrie Herrera
La Vernia,TX
Summary
Visionary Mortgage Operations Manager/Processing Manager with a robust track record in the financial industry, known for driving departmental efficiencies and achieving sales targets. Demonstrates strong leadership in process optimization and team collaboration, ensuring adherence to regulatory compliance. Committed to nurturing a cooperative work culture and spearheading innovation in mortgage processing operations.
Overview
13
13
years of professional experience
Work History
Mortgage Loan Processor
Legacy Mutual Mortgage
San Antonio, TX
04.2024 - 12.2025
- Reviewed loan applications for completeness and adherence to guidelines.
- Coordinated with underwriters to resolve issues on submitted loans.
- Managed communication with clients throughout the mortgage process.
- Conducted thorough analyses of borrower credit histories and financials.
- Ensured compliance with federal and state regulations in all transactions.
- Collaborated with real estate agents to facilitate smooth transactions.
- Developed relationships with internal departments such as Underwriting, Closing, Funding and Compliance teams in order to facilitate smoother processing timelines.
- Advised applicants on available loan programs that best fit their needs while also meeting company requirements.
- Maintained regular contact with customers throughout the loan process providing updates on progress made or any needed information or documentation.
- Trained new loan processors on company procedures and loan processing software.
Corporate Loan Processing Manager
Bank of England Mortgage
Little Rock, AR
11.2020 - 12.2024
- Led a team of 190 staff (processing, appraisal desk, and government insuring) ensuring compliance with federal, state, and investor regulations, including Conventional, FHA, VA, USDA, broker loans, and Non-QM transactions, resulting in a 20% increase in processing efficiency.
- Fostered a culture of excellence, mentoring staff, and aligning team goals with division strategy, leading to improved outcomes and enhanced team performance.
- Prepared and conducted performance appraisals, aligning team goals with division strategy.
- Set and monitored key performance indicators to continuously refine mortgage operations.
- Spearheaded process initiatives, setting and meeting service level agreements (SLA's), leveraging technology to streamline loan processing workflows.
- Developed strategic plans and written processing procedures to enhance loan capabilities and training.
- Anticipated industry trends, adapting processes to meet evolving market demands.
- Integrated cutting-edge technologies in loan processing with the assistance of Encompass Administrator facilitates Encompass LOS enhancements for data quality metrics and reporting, while boosting productivity and maintaining strict compliance.
- Administered user sign-on among multiple platforms including FHA Connection, VA WebLGY, USDA GUS, Loan Beam, and Partners Credit while ensuring data quality and reporting accuracy.
Mortgage Processing Manager
Community Banks of Colorado (NBH Bank)
Colorado Springs, Colorado
01.2013 - 11.2020
- Led a team of 18+ corporate loan processors, oversee 100+ branch processing staff, and drive process improvements
- Foster excellence culture, resulting in enhanced efficiency and team performance
- Spearhead process optimization initiatives by setting and meeting service level agreements (SLA's), leveraging technology to streamline loan processing workflows
- Implement innovative solutions for increased productivity
- Develop and implement strategic plans and processing procedures to enhance loan processing capabilities
- Anticipate industry trends, adapting processes to meet evolving market demands
- Spearhead the integration of cutting-edge technologies in loan processing, significantly boosting productivity while maintaining strict compliance standards
- Worked closely with Encompass Administrator to facilitate processing platform enhancements for data quality metrics and reporting
- Orchestrated mortgage processing operations, ensuring regulatory compliance while leading a team of 18-21 direct reports and co-managing 41 support staff
- Fostered strong relationships between processing and origination teams
- Facilitated open communication channels, improving overall operational efficiency
- Analyzed processing bottlenecks, implementing data-driven solutions with the assistance of Encompass Administrator
- Monitored key performance indicators to continuously refine mortgage operations
Education
Bachelor of Science - Business Administration, Finance
Colorado Technical University
COLORADO SPRINGS, COSkills
- Pipeline Management
- Time Management
- Timesheet Approval
- Performance Evaluations
- Conflict Resolution
- Encompass LOS , DU , LPA & USDA GUS
- Mortgage operations
- Technical & staff training
- Performance monitoring
- Process optimization
- Business Administration
- Team Leadership
Timeline
Mortgage Loan Processor
Legacy Mutual Mortgage
04.2024 - 12.2025
Corporate Loan Processing Manager
Bank of England Mortgage
11.2020 - 12.2024
Mortgage Processing Manager
Community Banks of Colorado (NBH Bank)
01.2013 - 11.2020
Bachelor of Science - Business Administration, Finance
Colorado Technical University