Cheryl Hernandez
Sacramento,CA
Summary
Knowledgeable Administrative professional well-versed in producing high-quality spreadsheets, reports and presentations Proven history of success in event coordination, staff supervision and office workflow management. Smart decision-maker promoting 6 years of expertise in Compliance . Educated and talented to work in demanding environments.
Overview
19
19
years of professional experience
Work History
Senior Home Loans Compliance Specialist
Golden1 Credit Union
01.2023 - 03.2024
- Conducted thorough reviews of loan transactions to ensure compliance with federal and state regulations
- Prepared comprehensive reports on monitoring activities and audits, presenting findings to senior management
- Participated in process improvement initiatives directed by senior leadership
- Maintained expertise in the Home Mortgage Disclosure Act (HMDA) and ensured accurate preparation and maintenance of loan application registers (LARs)
- Collaborated with operational teams to define practices aligning with regulatory compliance objectives
- Provided support in integrating regulatory changes into application systems and advocated for process enhancements.
- Manage and reviews 12-20 files per day
Home Loans Compliance Specialist
Golden1 Credit Union
10.2019 - 01.2023
- Ensured accurate delivery of disclosures to consumers within regulatory timelines
- Monitored and reviewed HMDA data for compliance within Home Loans Department
- Provided compliance support to production and fulfillment teams
- Demonstrated expertise in state and federal regulations governing home loans, including RESPA/TILA (TRID), HMDA, ECOA, OFAC, and others
- Identified and resolved compliance errors in Loan Origination System
- Maintained knowledge of department products and investor policies
- Provided technical support for e-Signing process
- Reported recurring trends or inadequacies in Loan Origination System to management.
- Manages up to 20 files per day
- Assisted in the preparation of regular reports for senior management, detailing compliance activities and progress towards established goals.
Indirect Lending Specialist Dealer Services
Golden1 Credit Union
02.2017 - 10.2019
- Reviewed financial documents and assessed applicants' financial status for loan eligibility
- Conducted credit and employment verifications for potential borrowers
- Provided exceptional customer service throughout loan process
- Stayed updated on lending market trends and regulatory changes
- Streamlined internal processes to improve workflow efficiency
- Collaborated with underwriters to evaluate loan applications and mitigate risks
- Resolved customer complaints promptly and professionally.
- Processed 20 loans per day
- Enhanced loan approval rates by meticulously reviewing and processing indirect lending applications.
Administrative Liaison
Excel Photographers
01.2005 - 06.2016
- Managed communication with schools and school districts
- Provided clerical support and scheduled photography sessions
- Edited photos using Photolynx and Photoshop
- Handled general office duties and managed databases
- Collected and organized data from school districts
- Dealt with escalated customer calls and managed spreadsheets for onsite use.
- Completed up to 15 school databases a day
- Employed working knowledge of word processing, spreadsheets, Excel and graphics.
- Managed multiple projects concurrently by prioritizing tasks, meeting deadlines, and maintaining a high level of organization.
Education
Some College (No Degree) - Graphic Design
The Art Institute of Pittsburgh
Pittsburgh, PAHigh School Diploma -
Foothill High School
Sacramento, CA06.1999
Skills
- Documentation Review
- Customer Relations
- Schedule oversight
- Data Analysis
- Team Leadership
- Internal Auditing
- Strategic Planning
- Risk Assessment Analysis
- Administrative Management
- File Organization
Timeline
Senior Home Loans Compliance Specialist
Golden1 Credit Union
01.2023 - 03.2024
Home Loans Compliance Specialist
Golden1 Credit Union
10.2019 - 01.2023
Indirect Lending Specialist Dealer Services
Golden1 Credit Union
02.2017 - 10.2019
Administrative Liaison
Excel Photographers
01.2005 - 06.2016
Some College (No Degree) - Graphic Design
The Art Institute of Pittsburgh
High School Diploma -
Foothill High School
Similar Profiles
Lani VuLani Vu
Senior Home Loan Advisor at Golden1 Credit UnionSenior Home Loan Advisor at Golden1 Credit Union
Vera StarksVera Starks
COLLECTIONS ASSOCIATE at GOLDEN1 CREDIT UNIONCOLLECTIONS ASSOCIATE at GOLDEN1 CREDIT UNION
ALYSSA VALADEZ TOBIASALYSSA VALADEZ TOBIAS
Banker/TELLER at GOLDEN1 CREDIT UNIONBanker/TELLER at GOLDEN1 CREDIT UNION
Abigail ArreolaAbigail Arreola
Branch Manager at Golden1 Credit UnionBranch Manager at Golden1 Credit Union
Bonnie StanleyBonnie Stanley
Radiologic Technologist IV at Kaiser PermanenteRadiologic Technologist IV at Kaiser Permanente