Daimy Ochoa
St Cloud,Florida
Summary
To secure a position with a well-established organization with a stable environment that will lead to a lasting relationship. I wish to find a permanent and challenging position that develops some aspects of my diverse skills where my experience can be utilized to improve and enable me to make a positive contribution to the organization.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Associate Underwriter
Guaranteed Rate Affinity
Remote, FL
06.2023 - Current
- Process the file to satisfy investor and GR UW guidelines
- Disclose application package and all necessary initial disclosures based on RESPA requirements and time frames
- Place all applicable 3rd party orders
- Retrieve and then review all borrower supporting documents and follow up with borrower as necessary
- Evaluate credit package and check accuracy of all calculations and data integrity
- Prepare and send the initial/conditional loan commitment letter to the borrower
- Review AUS guidelines and decision conventional files
- Retrieve, review and re-request (if necessary) all outstanding documentation then send CTC loan commitment to borrower
- Confirm time loan closing and funding.
Mortgage Loan Assistant
HomeTeam Mortgage
Remote, FL
10.2022 - 07.2023
- Serve as an ongoing point of contact for clients, helping them collect required information and complete any necessary documents throughout the loan process
- Assist and coordinate internal parties involved in the loan application process, including mortgage loan officers, underwriters, and realtors
- Gather information for new loan underwriting, including credit reports, tax filings, business entity searches, and title work
- Ensure loan documentation complies with federal and state requirements
- Communicates with the customer (borrower), real estate agents and escrows at the start of the transaction
- Collects customer documentation necessary to complete the loan transaction, such as income documentation, asset statements and initial disclosures documents
- Assists with preapprovals and loan structuring
- Ordering of standard loan requirements and verifications such as, title, escrow, appraisal, verification of employments, verification of assets etc.
Fraud Risk Analyst
Guaranteed Rate
Remote, FL
10.2021 - 06.2022
- Monitor real time queues and identify high risk transactions within the business portfolio
- Observe customer transactions to identify fraudulent activity such as account take over, friendly fraud, theft, and similar other risks
- Identify fraudulent transactions and cancel them from further processing
- Resolve queued transactions within the service level agreements to reduce potential revenue losses
- Interact with banks and customers to validate information and to confirm or cancel authorizations
- Resolve customer issues within the scope of existing service level agreements
- Monitor constantly customer and transactional records to identify unauthorized transactions and fraudulent accounts
- Maintain fraud analysis models to improve efficiency and effectiveness
- Ensure confidentiality of all information collected during investigation
- Determine existing fraud trends by analyzing accounts and transaction patterns
- Identify system improvements to prevent fraudulent activities
- Recommend anti-fraud processes for changing transaction patterns and trends
- Generate suspicious activity reports and risk management reports for Managers.
Mortgage Consultant
Guaranteed Rate Affinity
Remote, FL
10.2018 - 10.2021
- Identified positive and negative markers in applicant financial histories
- Scheduling and tracking of closing dates, contingency dates and loan lock expirations
- Review loan approvals and address all conditions required for underwriting and closing
- Prepare and submit timely and accurate loan files to the Closing Department
- Use state of the art technology to manage your loan pipeline as well as conduct credit and underwriting analysis
- Provide world-class customer service and respectful, consultative guidance to your clients
- Order title and review credit reports (verify no new accounts opened, etc.)
- Perform verifications of employment
- Income calculation for W2 earners and self-employed borrowers
- Run data verify and clear conditions.
Branch Processor
PRMG / MLB Residential Lending LLC
Orlando, FL
11.2015 - 09.2018
- Provide customer with timely and periodic status updated of their loan application
- Collect required documentation from applicants and follow up on missing items, establish, maintain and update files, databases, records, and/or other documents for recurring internal report
- Compile documents for customer files and enter intakes to data management system for processing and assessment
- Assure that all customer files are complete and in compliance with regulatory agencies and internal policies
- Ensure customer privacy, security of files and appropriate staff access
- Prepare commitment letters, denial letters and cancel files when necessary
- Maintain pipeline report and notify management of status as needed
- Make recommendations for procedural changes to increase efficiency.
Office Associate
State Farm
Winter Park, FL
12.2013 - 11.2015
- Perform clerical responsibilities, provide customer service and ensure customer retention
- Outbound sales calls
- Developing leads, schedule appointments, identify customer needs, and market appropriate products and services
- Customer relationships and follow-up with customers, as needed
- Use a customer-focused, needs-based review process to educate customers about insurance options
- Billing.
Education
GED -
MID FLORIDA TECH
01.2005
Skills
- Data Entry
- Microsoft Outlook
- Client Relations
- Clerical Assistance
- Building Strong Relationships
- Data Analysis
- Loss Protection
- Managing Risk
- Risk Management
- Analyzing Data
- Quality Control
- Quality Assurance
- Fraud Detection
- Risk Level Determination
- Verbal and Written Communication
- Data Collection
Certification
- A +
- Network +
- 4-40 Customer Representative, W179407
- Notary Public, HH29707
- NMLS, 1485339
- IBM Cybersecurity Analyst
Languages
English
Native/ Bilingual
Spanish
Native/ Bilingual
References
References available upon request.
Timeline
Associate Underwriter
Guaranteed Rate Affinity
06.2023 - Current
Mortgage Loan Assistant
HomeTeam Mortgage
10.2022 - 07.2023
Fraud Risk Analyst
Guaranteed Rate
10.2021 - 06.2022
Mortgage Consultant
Guaranteed Rate Affinity
10.2018 - 10.2021
Branch Processor
PRMG / MLB Residential Lending LLC
11.2015 - 09.2018
Office Associate
State Farm
12.2013 - 11.2015
GED -
MID FLORIDA TECH