Dominique Ojeda
Kemah,TX
Summary
Well-qualified business professional with proven success in improving operations and solving problems. Highly proficient in building lasting relationships with key decision makers, customers and team members to further company goals. Ready to leverage training and experience to take on new professional challenges.
Overview
15
15
years of professional experience
Work History
AVP Jumbo Underwriting Dept
Fairway Mortgage Independent Corporation
09.2020 - 08.2023
- Communicated with leadership teams to assist with administrative initiatives and decisions and attended weekly meetings to support policy changes.
- Attended meetings and special sessions of Leadership and Executive Leadership Teams and contributed to major administrative initiatives, policies and decisions.
- Effectively managed team's pipeline while simultaneously executing and overseeing my own projects, demonstrating exceptional multitasking and leadership skills
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Allocated work assignments and tasks to comprehensively manage administrative projects.
- Identified opportunities to improve business process flows and productivity.
- Demonstrated proficient leadership skills to motivate employees and build competent teams.
- Collaborated with senior management to develop strategic initiatives and long term goals.
- Monitored industry trends, keeping current on latest changes and competition in industry.
- Established performance goals for department and provided methods for reaching milestones.
- Clarified roles, responsibilities and expectations of staff.
- Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.
- Evaluated loan applications for affordability and conformance with underwriting guidelines.
- Determined and documented loan conditions and communicated requirements and decisions.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
Licensed Texas Notary
Contract
10.2022 - Current
- Checked documents and identifying credentials for all parties.
- Followed proper protocol when notarizing documents, verifying signatures and dates for compliance.
- Looked for signs of fraud or coercion and refused notarization.
- Checked client identification to maintain compliance with state legal requirements.
- Examined documents for accuracy, completion and compliance before notarizing.
Life Agent
FEG
08.2022 - Current
- Maintained high standards of customer service by building relationships with clients.
- Analyzed customers' financial situations to recommend appropriate life insurance policies.
- Cultivated customer relationships to provide customized life insurance solutions tailored to individual needs.
- Attended continuing education courses and workshops to gain additional insurance industry knowledge.
- Provided coverage option information to assist clients in protecting assets.
- Retained up-to-date industry knowledge for accurate, well-informed customer interactions.
- Determined financial needs by assessing existing coverage and aligning new products and services with long-term goals.
- Explained advantages, features, and disadvantages of various policies to promote sale of plans.
Jumbo Underwriter
Movement Mortgage
08.2015 - 09.2020
- Review all loan submissions submitted by production and origination staff and generate initial credit decision in accordance with FNMA, FHLMC, Non-Agency Jumbo, and other private investor guidelines as well as internal overlays
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
- Ability to underwrite to multiple Non-Agency Jumbo investors in changing market and regulatory environment
- Evaluate mortgage loan applications to determine eligibility, acceptability, and compliance with applicable state, federal and investor guidelines
- Perform credit and property analysis on conventional and Non-Agency Jumbo files
- Analyze complex tax returns and accurately calculate income
- Identify key loan factors impacting borrower eligibility, property eligibility and credit qualification for complex or atypical financial profiles, collateral and loan structures
- Perform timely reviews of submitted conditions and loan resubmissions and complete credit decisions for complex loans assumed from colleagues
- Identify and summarize Exception loans for escalation to Credit Manager for business decision
- Input data and notes into Encompass loan system
- Maintain quality and production standards as set forth by management
- Effectively communicate, orally, in writing, and via email, decisions reached as to maintain positive working relationships with coworkers and customers
- Ability to explain specific reasons for negative credit decisions and recommend possible solutions.
USDA/FHA Consumer Loan Underwriter
Wells Fargo Home Mortgage
05.2009 - 06.2015
- Understanding Fixed Rate/ARM eligibility matrixes for acceptable LTV and DTI ratios using applicant information and supporting documentation to verify they meet applicable product regulations for which they've applied
- Recommend another product if failing to meet one matrix to keep the loan moving for our applicant whether it's a new purchase, 2nd home, investment or refi
- Review appraisals, title, flood certs, hoi, and specify conditions to ensure loan meets specific guidelines
- Review applicant employer WVOE, VOE, paystubs, earning history and offer letters to factor most accurate income
- Make detailed notation for rationale, exceptions and/or compensating factors
- Review the credit report, bankruptcy docs, divorce decrees, child support/alimony orders to determine history of payment a continuance
- Tax returns and supporting supplements 1120, 1120s, Schedule E, Schedule C, 1065, Schedule F, W2/1099's, other schedules/forms and all income sources that are viable for qualifying
- Review of assets and liquidity, retained property with/without mortgages, factor correct percentages of UPB to meet reserve requirement amongst other factors
- FNMA/FHLMC/USDA/CONV various AUS such as DU, LP, GUS
- Provide extensive loss & risk analysis and recommendations related to all aspects of loss mitigation for investor and company owned real estate according to the goals and procedures of the department
- Negotiate payoffs, settlements, and non-liquidating workout programs according to company and various investor guidelines
- Demonstrated success managing files in a high volume, high pace environment
- Honored with numerous monthly awards for top producer, leadership & service excellence, quality assurance and community service.
Commercial/Residential Property Tax Consultant
O'Connor & Associates
05.2008 - 02.2009
- Acting fiduciary negotiating commercial/residential tax appeals in judicial government hearings
- Evaluated & analyzed property tax records, equity, appraisals, property damage reports (FEMA reports, engineering reports, contractor estimates, and so on), MLS and residential history
- In depth knowledge of state property tax code to support litigation process and expose loopholes and/or terminology with multiple interpretations to aggressively pursue legal avenues to win cases
- Aside from using various computerized tools and documentation from several sources to prove a trend or action that supported justifying recommendation
- Litigate in informal hearings one on one with county appraisers, present cases to Appraisal Review Board in formal hearings in opposition to county appraiser and complete judicial appeals
- Required exceptional research skills, mathematical abilities and critical thinking
- Honored for litigation excellence and named member of Super 8 team responsible for higher net worth individual accounts and property values up to $3.5M.
Education
Some College (No Degree) - Business
University of Houston - Downtown
Houston, TXPhysical Fitness Technician
Baylor College of Sports Medicine
Houston, TXReal Estate
Houston Community College
Houston, TXCriminal Justice
Hutchinson Community College
Hutchinson, KSSkills
- Operational Efficiency
- Retirement Planning
- Staff Support
- Partnership Management
- High Net Worth Individuals Marketing
- Asset Allocation
- Strategic Risk Management
- Property Appraisals
- Underwriting Process Expertise
- Business Growth and Marketing Strategies
- Market Trend Analysis
- Business Planning
Volunteer Experience
- Habitat for Humanity
- End Hunger Org
- Loaves & Fishes Inc
- March of Dimes and several others.
Timeline
Licensed Texas Notary
Contract
10.2022 - Current
Life Agent
FEG
08.2022 - Current
AVP Jumbo Underwriting Dept
Fairway Mortgage Independent Corporation
09.2020 - 08.2023
Jumbo Underwriter
Movement Mortgage
08.2015 - 09.2020
USDA/FHA Consumer Loan Underwriter
Wells Fargo Home Mortgage
05.2009 - 06.2015
Commercial/Residential Property Tax Consultant
O'Connor & Associates
05.2008 - 02.2009
Some College (No Degree) - Business
University of Houston - Downtown
Physical Fitness Technician
Baylor College of Sports Medicine
Real Estate
Houston Community College
Criminal Justice
Hutchinson Community College