Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
Generic

Celina Garnica

Goodyear,AZ

Summary

Detail oriented and highly motivated individual with 7+ years of mortgage underwriting, processing and management experience. Customer service driven with successful track record in surpassing current company goals. Seeking to contribute to the success of an organization while advancing both personally and professionally.

Overview

9
9
years of professional experience

Work History

Mortgage Underwriter

Wells Fargo & Company
11.2019 - Current
  • Verified integrity of applicants' information to minimize fraud. Determining credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
  • Applied grades to each loan application based on established criteria to keep institutional risk low.
  • Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA. To include Loan mod, self employment applications.
  • 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.
  • Handled and monitored pipelines consistently, turning around applications quickly with firm approval or denial decisions.

Home Equity Underwriter

Wells Fargo & Company
05.2016 - 11.2019
  • Review and analyze Home Equity applications to assess risk and determine required documentation.
  • Proficient with analyzing complex income applications and documents.
  • Increased productivity with managing up to 90 files per pipeline.
  • Effectively communicate while providing customers knowledge of Home Equity product and process.
  • Ability to depict and understand processes while implementing current procedures and policies.
  • Acted as subject matter expert for multiple new hire classes while maintaining current pipeline.
  • Devoted special emphasis to punctuality and worked to maintain outstanding attendance record

Business Merchant

Wells Fargo & Company
11.2015 - 05.2016
  • Assisted bankers with originating credit line and personal loans.
  • Collected and analyzed loan documents from business customers for loan submission.
  • Helped customers with daily banking transactions and provided financial guidance.
  • Business merchant that handled large business account transactions.
  • Offered customers existing products to assist them in making informed financial decisions.

Carters

Assistant Manager
01.2013 - 11.2015
  • Responsible for hiring, recruiting and training for permanent and seasonal employees.
  • Oversaw store planning for monthly and weekly incentive goals.
  • Executed marketing, inventory merchandizing and store communications as needed.
  • Delegated daily duties to reach sales goals and maintain safe work environment.

Education

Some College (No Degree) - Business Management

Arizona State University
Tempe, AZ

Skills

  • Analytical quantitative skills
  • Computational data gathering and analysis
  • Understanding of statistics and probabilities
  • Critical thinking, technical and organizational skills
  • Proficient in Mac & Windows OS, along with verbal/writing and presentation skills
  • SAFE certified

Accomplishments

    Member of Emerging Leaders Program

    Member of Mentorship for Mentees

    Active within Corporate Citizen Committee


Timeline

Mortgage Underwriter

Wells Fargo & Company
11.2019 - Current

Home Equity Underwriter

Wells Fargo & Company
05.2016 - 11.2019

Business Merchant

Wells Fargo & Company
11.2015 - 05.2016

Carters

Assistant Manager
01.2013 - 11.2015

Some College (No Degree) - Business Management

Arizona State University

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Celina Garnica