Hi, I’m
Debbi Rodriguez
Chicago,IL
Summary
Results-driven professional with a robust background in mortgage loan processing and underwriting, seeking to transition into an analytical and managerial role. Skilled in risk assessment, compliance management, and client service, with a strong track record of accuracy and efficiency in high-pressure settings. Eager to leverage analytical expertise and meticulous attention to detail to meet both client and company objectives, while continuously driving exceptional service and business growth
Overview
8
years of professional experience
Work History
City First Mortgage Services LLCRemote
Mortgage Post Closing Specialist
10.2022 - 11.2023
Job overview
- Supported post-closing department during a revamping period, preparing and organizing loan files for investors, while still processing files.
- Prepared investor reporting packages and loan delivery files, ensuring all necessary documentation is included and organized according to investor requirements.
- Performed quality control checks on loan files and assisted in conducting post-closing audits to identify any errors, discrepancies, or missing documentation, and take corrective action as needed to resolve issues.
- Corresponded with investors to address any questions or concerns regarding loan documentation, resolve discrepancies, and facilitate the smooth transfer of loans.
City First Mortgage Services LLCRemote
Mortgage Loan Processor
08.2021 - 11.2023
Job overview
- Processed a high volume of FHA, VA, Conventional, and new construction loans, ensuring proper review of loan applications for completeness and accuracy.
- Entered loan information into the loan origination system (LOS) accurately and efficiently, verifying all data is complete and up-to-date throughout the processing and underwriting stages.
- Provided excellent customer service to borrowers, loan officers, and other stakeholders by promptly responding to inquiries, addressing concerns, and providing updates on loan status.
- Conducted compliance checks to ensure loans adhere to federal, state, and company regulations, including TRID, RESPA, and HMDA requirements.
The Federal Savings BankChicago, IL
Senior Mortgage Processor - Underwriting Analyst
04.2020 - 01.2021
Job overview
- Successfully managed a pipeline of 50+ loans at a time, averaging 45 files cleared to close per month.
- Communicated effectively with borrowers, third parties, and internal teams to obtain necessary documentation and ensure compliance with investor guidelines.
- Analyzed credit, income, asset, and collateral documents to submit files to underwriting and resolve complex underwriting issues.
- Maintained a strong knowledge of state and federal regulations to ensure loan file compliance and meet end-of-month deadlines.
LendrChicago, IL
Junior Underwriter
09.2019 - 03.2020
Job overview
- Analyzed financial documents, including bank statements, tax returns, and credit reports, to assess the creditworthiness of potential borrowers and determine their eligibility for financing.
- Evaluated the level of risk associated with each loan application by considering factors such as credit history, business performance, industry trends, and collateral.
- Performed extensive due diligence on each client submission, including reviewing prior UCC filings, bankruptcy records, and judgments, to identify any potential risks or liabilities.
- Monitored underwriting activities to ensure compliance with company policies, industry regulations, and best practices, including Anti-Money Laundering (AML) and Know Your Customer (KYC) requirements.
Guaranteed RateChicago, IL
Sr. Underwriting Coordinator
03.2018 - 09.2019
Job overview
- Provided leadership and training to new hires in the underwriting department, ensuring adherence to company policies and procedures.
- Assisted regional underwriting managers with loan balancing, documentation review, and assignment of loans to authorized underwriters.
- Tracked loans underwritten by outside mortgage insurance companies and investors, maintaining accurate records and ensuring timely processing.
- Handled escalated issues or complex scenarios, collaborating with underwriters, managers, and other departments to find solutions and ensure customer satisfaction.
Guaranteed RateChicago, IL
Underwriting Assistant
09.2017 - 03.2018
Job overview
- Aided underwriters in reviewing loan files, identifying any missing or incomplete information, and preparing files for final underwriting review.
- Assisted in conducting compliance checks to ensure loans adhere to federal, state, and company regulations and guidelines.
- Performed quality control checks on loan files to identify errors or discrepancies and rectify them before resubmission for closing.
- Reviewed third party documents to ensure salability of loan.
Guaranteed RateChicago, IL
Underwriting Coordinator
05.2016 - 09.2017
Job overview
- Coordinated and managed the flow of loan files, ensuring completeness and accuracy before submission to underwriters for review.
- Assigned loan files to underwriters based on workload and expertise, tracked the status of files in the underwriting queue, and followed up to ensure timely review and resolution.
- Generated reports on underwriting productivity, turnaround times, and file quality, providing insights to management for decision-making and process improvement.
- Collaborated with mortgage consultants, loan processors, and loan officers to facilitate efficient processing and closing of loans.
Education
Northeastern Illinois University
Bachelor of Arts from Economics
City Colleges of Chicago - Wilbur Wright College
Associate of Arts
Skills
- Compliance Management
- Pipeline Management
- Claims Processing
- Risk Assessment
- Policy Analysis
- Attention to Detail
- Financial Analysis
- Problem-solving and Critical Thinking
- Customer Service and Client Relationship Management
Timeline
Mortgage Post Closing Specialist
City First Mortgage Services LLC
10.2022 - 11.2023
Mortgage Loan Processor
City First Mortgage Services LLC
08.2021 - 11.2023
Senior Mortgage Processor - Underwriting Analyst
The Federal Savings Bank
04.2020 - 01.2021
Junior Underwriter
Lendr
09.2019 - 03.2020
Sr. Underwriting Coordinator
Guaranteed Rate
03.2018 - 09.2019
Underwriting Assistant
Guaranteed Rate
09.2017 - 03.2018
Underwriting Coordinator
Guaranteed Rate
05.2016 - 09.2017
Northeastern Illinois University
Bachelor of Arts from Economics
City Colleges of Chicago - Wilbur Wright College
Associate of Arts
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