DORIS A. VALDEZ
SANTA FE,NM
Summary
Seasoned loan processor with 31+ years’ experience in extensive mortgage background, exceptional customer service skills. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
29
29
years of professional experience
Work History
SENIOR MORTGAGE LOAN PROCESSOR
DEL NORTE CREDIT UNION
02.2024 - Current
- Processed Portfolio loans, Fixed 2nds, HELOC and Construction loans.
- Responsibilities include reviewing loan applications, verifying documentation, and ensuring all required loan documents are complete and accurate.
- Process loans from start to finish by collecting customer information and necessary documentation. Review loans for quality assurance and coordinate loan closings.
- Strong skills in loan portfolio and customer service. Ensure that compliance regulations are met and maintained so loans conform to established bank policies.
- Serve as the main point of contact for title companies, real estate agents, mortgage loan officer, borrowers, and mortgage underwriters to facilitate a timely loan closing.
- Obtain and verify that all loan documentation, such as title insurance, appraisals, loan applications, credit reports, and income and asset declarations are accurate and provided promptly to underwriters for loan approval
- Order third party documentation and reports for residential home loans, maintain the mortgage loan file, and assist in clearing underwriting conditions as requested
- Input loan file documentation accurately into necessary software programs
SENIOR MORTGAGE LOAN PROCESSOR
ENTERPRISE BANK & TRUST
01.2021 - 02.2024
- Currently processed Loans for 7 loan officers
- Processed Conventional, Portfolio, VA and FHA mortgage loans through Encompass
- Ensure lender’s guidelines are met, verify data integrity on all loans, and review product guidelines on a daily basis
- Responsibilities include gathering financial information from our borrowers and assuring that all our customer files are complete from pre‐approval to closing
- Working closely with my team to accomplish deadlines that need to be met in a timely manner
- Communication with everyone involved, listen and understand the needs of internal and external customers and providing good quality service
- Attention to detail and prioritizing of workload
- Ordering all necessary supporting documentation such as title work, appraisals, transcripts, case numbers and verification of employment
- Analyzing information regarding borrower’s income, assets and debts, multitasking and paying attention to detail so that I can process with efficiency and accuracy
- Determining if a file is ready to be underwritten
- Reviewing closing disclosures, input fees into Encompass to send files to closing.
SENIOR MORTGAGE LOAN PROCESSOR
HOMEWISE
05.2014 - 12.2020
- Responsibilities include process documents received for each file, verifying the accuracy and completeness of each document
- Follow up on missing items needed before submitting files to underwriting
- Input proper loan information into Calyx for processing
- Meet deadlines
- Process community second loans and several different down payment assistant programs.
SENIOR LOAN PROCESSOR
NEW MEXICO BANK AND TRUST
05.2011 - 05.2014
- Processed for 5 loan officers
- Software used is Microsoft Word, HP Outlook and Commerce Velocity mortgage system
- Handling of sensitive documents and information, evaluation of income and assets, knowledge of loan processing, daily customer contact and updates between loan officers and processor, daily calculation of figures and amounts such as percentages, commission income, regular salary, interpretation of tax returns, pre‐underwriting loans, order and verify information necessary to complete files, employment, credit reports, appraisals, title work and other documentation
- Issue proper disclosures as required by Federal regulations
- Submit loans for approval
- Experienced with Conventional, MFA and FHA loans.
PRIVATE MORTGAGE BANKING
WELLS FARGO BANK
05.1995 - 02.2004
- Responsibilities include full processing of mortgage loans using FNMA and FHLMC guidelines as well as processing jumbo loans
- Verifies, compiles and types application information for mortgage loans into system, properly disclosing and mailing out loan disclosures and notices to clients, order credit reports, appraisals, flood certificates and title work
- Communicate loan status to originating loan officers and clients, satisfy all outstanding conditions on all loans explain loan documents and obtain all necessary paperwork to complete the loan, lock loans and close loans.
REAL ESTATE LOAN PROCESSOR
THE MORTAGE COMPANY
05.1995 - 02.2004
- Responsibilities include input of mortgage loan files into Loan Handler, properly disclosing and ensuring compliance with all laws and regulations
- Responsible for timeliness and accuracy of processing a solid credit worthy loan package, satisfy outstanding conditions, prepare loan submission packages for underwriting review, schedule and coordinate to meet all loan commitment deadlines, coordinates the mortgage closing process, prepare and deliver all closing documents including deeds of trusts, mortgages, promissory notes, subordination agreements to the title companies
- Ship files to different investors.
Education
Skills
- Attention to Detail
- Dependable and Responsible
- Multitasking
- Excellent Communication
Languages
English
Native or Bilingual
Spanish
Native or Bilingual
Timeline
SENIOR MORTGAGE LOAN PROCESSOR
DEL NORTE CREDIT UNION
02.2024 - Current
SENIOR MORTGAGE LOAN PROCESSOR
ENTERPRISE BANK & TRUST
01.2021 - 02.2024
SENIOR MORTGAGE LOAN PROCESSOR
HOMEWISE
05.2014 - 12.2020
SENIOR LOAN PROCESSOR
NEW MEXICO BANK AND TRUST
05.2011 - 05.2014
PRIVATE MORTGAGE BANKING
WELLS FARGO BANK
05.1995 - 02.2004
REAL ESTATE LOAN PROCESSOR
THE MORTAGE COMPANY
05.1995 - 02.2004
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