Diana Brittain Lozano
San Antonio,Texas
Summary
Dynamic professional with extensive mortgage expertise, specializing in product recommendations and upfront underwriting. Proven ability to lead and coach teams, enhancing member experiences while ensuring compliance and risk assessment across various loan types.
Overview
22
22
years of professional experience
Work History
SR HL Loan Officer
Pentagon Federal Credit Union
09.2023 - Current
- Providing sound mortgage advice to members by maintaining knowledge of Conventional, VA, FHA and HELOC lending policies and procedures.
- Efficiently and effectively, ensure exceptional member experience with little to no supervision, while utilizing credit and income underwriting skills, as well as, time management and decision-making skills on a daily basis.
- Determine credit risk by reviewing credit report, employment history, income, assets, debt to income ratio and list loan conditions to issue upfront approval
- Utilize AllRegs and Desktop Underwriter to determine qualification of applicants while ensuring adherence to compliance and regulatory requirements for VA and Conventional loan products
- Obtain and review income and asset documentation for backend underwriting
- Initiated and maintained contact with realtors, title companies, and members to ensure all parties informed and closing dates met.
- Oversaw active leads to improve conversion rates.
- Assist in Peer to Peer Coaching for less experienced loan officers reviewing pipeline for accuracy
- Conflict Resolution: de-escalated members when presented with challenging situations
- Reviewed potential declines to overturn backend decisions, demonstrating problem-solving skills.
- Goal-oriented with excellent organizational skills while providing quality assistance to members seeking loans.
Mortgage Loan Processor
Pentagon Federal Credit Union
09.2021 - 09.2023
- Utilize AllRegs and Desktop Underwriter to determine qualification of applicants while ensuring adherence to compliance and regulatory requirements for VA and Conventional loan products
- Determine credit risk by reviewing credit report, employment history, income, assets, debt to income ratio and list loan conditions to issue upfront approval
- Determine credit risk by reviewing credit report, employment history, income, assets, debt to income ratio and list/obtain loan conditions for initial and final approval.
- Obtain and review income and asset documentation for backend underwriting
- Reviewed potential declines to overturn backend decisions, demonstrating strong problem-solving skills.
- Resolved conflicts by de-escalating situations with members in difficult circumstances.
- Ensured timely closings for all loan files, contributing to overall efficiency in the loan processing workflow.
Senior Loan Officer / Upfront Underwriter
USAA Federal Savings Bank
11.2011 - 09.2021
- Originated FHA, VA, and Conventional loans while educating buyers on different programs
- Utilize AllRegs and Desktop Underwriter to determine qualification of applicants while ensuring adherence to compliance and regulatory requirements for VA and Conventional loan products
- Reviewed all potential declines, successfully overturning backend denials to support loan approval processes.
- Recognized as Subject Matter Expert (SME) on team for Self-Employed Borrowers
- Coached less experienced loan officers, reviewing pipeline accuracy and providing feedback to enhance member experience.
- Addressed member concerns to improve satisfaction and maintain positive relationships.: de-escalated members when presented with challenging situations
- Facilitate team meetings and create PowerPoint presentations
Loan Officer
RPM Mortgage
07.2009 - 10.2011
- Originated FHA, VA, USDA, and Conventional loans, educating buyers on optimal financing options to enhance their purchasing power.
- Completed loan applications and performed upfront underwriting, analyzing mortgage documents to verify buyer's repayment capacity before submitting for processing and final approval.
- Pulled credit reports, analyzed credit data for credit worthiness, financial statements and employment history to determine financial ratios and degree of risk involved in extending report per lending guidelines.
- Submitted loans into several different underwriting programs to confirm loan approval such as Clout, DO, and LP.
- Organized sales meetings with Real Estate offices and other business partners/organizations
- Marketed and advertised outside the office, establishing and nurturing strategic relationships with Realtors to drive business referrals.
Human Resources Manager
JD Jova, LLC
04.2006 - 07.2009
- Oversaw payroll functions, ensuring timely and accurate employee compensation
- Maintained employee records to ensure compliance and accuracy
- Conducted routine background checks to support safe and compliant hiring practices.
- Certified payroll reports.
- Performed data and financial analysis on a regular basis
Loan Officer
Summit Mortgage
10.2004 - 04.2006
- Originated FHA, VA, and Conventional loans while educating buyers on different programs
- Completed loan applications, performed upfront underwriting analyzing the mortgage loan documents to confirm the buyer’s ability to repay the loan.
- Pulled credit reports, analyzed credit data for credit worthiness, financial statements and employment history to determine financial ratios and degree of risk involved in extending approval per lending guidelines.
- Provided expert guidance to customers on home mortgage options, enhancing their understanding of available programs.
- Coordinated sales meetings with real estate offices and business partners to foster collaborative relationships and drive referrals.
- Developed marketing initiatives to strengthen connections with realtors, resulting in increased partnership opportunities.
- Set up the application for manual underwriting and/or automated underwriting for final backend underwriting approval on all loans.
Skills
- Credit underwriting
- Compliance knowledge
- Loan processing
- Mortgage advising
- Risk assessment
- Customer relationship management
- Lead generation
- Time management
- Organizational efficiency
- Dependable performance
- Effective communication
Additional Information
Employment dating back to 1993 may be provided upon request.
Timeline
SR HL Loan Officer
Pentagon Federal Credit Union
09.2023 - Current
Mortgage Loan Processor
Pentagon Federal Credit Union
09.2021 - 09.2023
Senior Loan Officer / Upfront Underwriter
USAA Federal Savings Bank
11.2011 - 09.2021
Loan Officer
RPM Mortgage
07.2009 - 10.2011
Human Resources Manager
JD Jova, LLC
04.2006 - 07.2009
Loan Officer
Summit Mortgage
10.2004 - 04.2006