Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Languages
Timeline
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DIANA FERNANDEZ

Friendswood

Summary

Detail-oriented and compliance-driven financial professional with over a decade of experience in consumer and mortgage lending within credit unions and banks. Proven expertise in maintaining regulatory compliance, analyzing credit data, and ensuring adherence to internal policies and external regulations. Skilled in identifying risk, monitoring loan documentation accuracy, and supporting audit readiness. Committed to upholding integrity, confidentiality, and strong member service in all compliance functions.

Overview

18
18
years of professional experience
1
1
Certification

Work History

Senior Home Lending Advisor

JPMorgan Chase
12.2024 - Current
  • - Advise clients on regulatory requirements and disclosures for FHA, VA, and Conventional loans.
  • - Collaborate with compliance and underwriting to ensure file accuracy and documentation adherence.
  • - Proactively identify documentation discrepancies and correct pre-closing to reduce risk.

Licensed Mortgage Loan Originator

Focus One Mortgage
03.2022 - 12.2024
  • - Ensured mortgage files complied with agency guidelines and internal policies.
  • - Conducted pre-approval reviews and escalated red flags for early risk intervention.
  • - Educated borrowers on their rights and responsibilities per federal regulations.
  • Increased loan application approval rates by efficiently evaluating borrower creditworthiness and financial stability.

Mortgage Loan Officer

Texas Bay Credit Union
11.2021 - 03.2022
  • - Originated and closed compliant mortgage loans while maintaining complete and accurate documentation.
  • - Collaborated with processors to meet internal audit expectations.
  • - Participated in compliance training and applied new regulation updates proactively.

Mortgage Loan Officer

Member Home Loan
08.2017 - 10.2021
  • - Reviewed loan documents for completeness and regulatory compliance.
  • - Maintained accuracy in disclosures, rate locks, and credit documentation.
  • - Supported resolution of compliance exceptions during underwriting.

Virtual Sales Representative

People's Trust Federal Credit Union
08.2015 - 08.2017
  • - Cross-sold compliant financial products including credit cards and consumer loans.
  • - Maintained high accuracy in application disclosures and lending system documentation.
  • - Played a key role in the launch of a new product (Opening Act) with a focus on policy compliance.

Personal Financial Officer II

Community Resource Credit Union
09.2016 - 03.2017
  • - Counseled members on financial products and ensured adherence to lending guidelines.
  • - Maintained updated knowledge of credit union policies and regulatory changes.
  • - Supported internal audits by providing complete documentation and resolving any discrepancies.
  • Increased profitability by optimizing investment portfolios and managing risk exposure prudently.

Service Manager & Personal Banker

Wells Fargo Bank
01.2008 - 01.2013
  • - Managed teller and banking operations with strict adherence to compliance standards.
  • - Coached teams on audit procedures, privacy rules, and documentation integrity.
  • Resolved customer complaints in professional and timely manner.
  • Met with customers to discuss service needs and offer available solutions.

Education

B.S. - Business Administration

University of Phoenix

Skills

  • - Regulatory Compliance (NCUA, CFPB, FHA, VA, HMDA)
  • - Risk Identification & Mitigation
  • - Consumer & Mortgage Loan Documentation
  • - Internal Audits & Quality Control
  • - Credit Analysis & Underwriting Support
  • - Cross-functional Collaboration
  • - Member & Employee Education
  • - Symitar, Opening Act, MS Office
  • Loan documentation
  • Credit analysis
  • Consumer lending

Accomplishments

  • Repeatedly commended by superiors for excellent customer service.
  • Received “Employee of the Quarter” service award in December 2019, June 2020.

Certification

  • - Notary Public - State of Texas
  • - Open to completing CUCE (Credit Union Compliance Expert) certification

Languages

Spanish
Professional Working

Timeline

Senior Home Lending Advisor

JPMorgan Chase
12.2024 - Current

Licensed Mortgage Loan Originator

Focus One Mortgage
03.2022 - 12.2024

Mortgage Loan Officer

Texas Bay Credit Union
11.2021 - 03.2022

Mortgage Loan Officer

Member Home Loan
08.2017 - 10.2021

Personal Financial Officer II

Community Resource Credit Union
09.2016 - 03.2017

Virtual Sales Representative

People's Trust Federal Credit Union
08.2015 - 08.2017

Service Manager & Personal Banker

Wells Fargo Bank
01.2008 - 01.2013

B.S. - Business Administration

University of Phoenix

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DIANA FERNANDEZ