Christina Villegas-Larson
Professional
Gresham,OR
Summary
Hardworking professional offering more than 23 years of expertise in banking and home lending policies and procedures. Knowledgeable in problem analysis and resolution and considered an effective relationship building individual. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
24
24
years of professional experience
Work History
Lead Underwriter
Wells Fargo Bank
08.2019 - 12.2023
- Supervised underwriters and motivated to maintain compliance and quality performance standards.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
- Conducted multiple weekly meetings with underwriters to provide updates to policies and procedures, quality evaluations, resolve issues, and answer questions.
- Established action plans with individual underwriters and their lending managers and ensured all steps were completed within prescribed timelines, while keeping upper management apprised of progress and concerns as applicable.
- Collaborated with underwriters to ensure accurate risk assessment and appropriate lending decisions.
- Researched and updated industry knowledge on changing legislation and regulations.
- Assessed loan portfolios for compliance with underwriting policies.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Made approval and denial recommendations by determining accurate risk levels.
- Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
- Conducted regular data reporting reviews and root cause analysis on error reporting.
- Served as subject matter expert for Freddie Mac and Fannie Mae credit guidelines.
- Supported average of 30 underwriters and their lending managers day to day
- Championed cross-functional collaboration among colleagues to effectively address client concerns while maintaining professional tone.
Senior Underwriter
Wells Fargo Bank
10.2004 - 08.2019
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
- Reviewed Home Equity accounts to make accurate decisions by accounting for risk, hazards, and exposure.
- Relocated from Phoenix AZ to Portland OR in 2017 to provide Subject Matter Expert support to 70+ underwriters and lending managers as they transitioned from one product and system to another to support business goals.
- Guided, mentored and coached underwriters in both technical and professional skills, instilling best practice and company standards.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Verified integrity of applicants' information to minimize fraud.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Maintained active pipeline of 50 loan applications on average.
Phone Bank Sales Banker
Wells Fargo Bank
01.2004 - 10.2004
- Provided advice on different bank products and financial options.
- Evaluated client financial positions and identified most appropriate banking products.
- Managed escalated phone calls by applying conflict resolutions skills and extensive knowledge of bank policies, products, and services.
- Educated customers on features and benefits of banking products and services.
- Maintained friendly and professional customer interactions.
Customer Service Representative
Wells Fargo Bank
05.2001 - 01.2004
- Updated account information to maintain customer records.
- Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
- Offered advice and assistance to customers, paying attention to special needs or wants.
- Responded to customer requests for products, services, and company information.
- Clarified customer issues and determined root cause of problems to resolve product or service complaints.
- Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Balanced cash drawers and vault accounts on daily basis with zero discrepancies.
Phone Banker
Wells Fargo Bank
04.2000 - 05.2001
- Stayed current on changing products, services and policies to offer exceptional service to customers.
- Upheld strict security procedures to verify identities when completing actions for members and giving out private banking information.
- Improved customer satisfaction by going above-and-beyond to answer questions and offer expert support.
- Maintained friendly and professional customer interactions.
- Performed account maintenance by closing out accounts and changing customer addresses.
Education
High School Diploma -
Moon Valley High School
05.2001 -
Skills
Training and mentoring
Documentation Review
Quality Assurance
Policy Interpretation
Teamwork and Collaboration
Excellent Communication
Adaptability and Flexibility
Professionalism
Timeline
Lead Underwriter
Wells Fargo Bank
08.2019 - 12.2023
Senior Underwriter
Wells Fargo Bank
10.2004 - 08.2019
Phone Bank Sales Banker
Wells Fargo Bank
01.2004 - 10.2004
Customer Service Representative
Wells Fargo Bank
05.2001 - 01.2004
High School Diploma -
Moon Valley High School
05.2001 -
Phone Banker
Wells Fargo Bank
04.2000 - 05.2001
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