Erika Buentello
San Antonio,TX
Summary
Detail-oriented Mortgage Loan Processor with 17 years of experience. Adept at planning and working with clients for long periods of time. Committed to accuracy and financial success.
Overview
16
16
years of professional experience
Work History
Sr. Loan Coordinator, Title Operations
Freedom Mortgage Corporation
04.2024 - Current
- Serve as the main point of contact for title companies, real estate agents, mortgage loan officer/ mortgage loan originator, borrowers, and mortgage underwriters to facilitate a timely loan closing.
- Examined customer 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, create and maintain the mortgage loan file, and assist in clearing underwriting conditions as requested.
- Ensure all loan files, credit packages, and disclosure packages comply with company lending policies, as well as federal lending guidelines.
Mortgage Specialist
HABITAT FOR HUMANITY OF SAN ANTONIO
07.2022 - 11.2023
- Analyzing Mortgage Counseling Questionnaires
- Underwriting client mortgage applications
- Completing final financial review of clients
- Ensuring local and federal grant compliance
- Gathering, coordinating, and processing all documents needed to submit for funding
- Gathering acceptable information from insurance providers, taxing authorities, courthouse filing fees, funder deed restrictions, etc
- Preparing closing documents for attorney to ensure accuracy
- Receiving and proofing all legal documents
- Conducting closings ensuring all procedures are followed
- Conducting Pre-Closing classes with future homeowners
- Maintaining confidentiality
Sr. Mortgage Loan Processor
LOANDEPOT.COM LLC.
10.2020 - 06.2022
- Managed an average pipeline of 45 loan files
- Main point of contact throughout entire mortgage process
- Reviewing income and asset documentation for accuracy
- Collected financial documents for underwriters
- Reviewing income and asset documentation for accuracy
- Verifying application compliance with bank, regulatory, and investor guidelines
- Request and review title report, property appraisals and homeowners insurance
- Keeping loan supervisors informed of deficiencies in application
Mortgage Loan Processor
WELLS FARGO ASSUMPTIONS
10.2016 - 10.2020
- Managing an average pipeline of approximately 50 loan files
- Request information and documentation from the applicants
- Assessed credit reports to determine eligibility for mortgage loans
- Reviewed loan applications and verified accuracy of borrower information
- Processed loan documents and ensured compliance with federal regulations
- Analyzed financial data such as income, assets, liabilities, and credit history to determine risk factors associated with each loan application
Project Manager
THE EDU-SOURCE CORPORATION
10.2013 - 09.2016
- Obtaining bids from third-party vendors and providing quotes to Child Nutrition Directors at various school districts
- Working with design company and clients to coordinate deliveries and installations
- Maintained records of all documents related to each project including specifications, change orders, invoices
- Ensured compliance with applicable laws, regulations, policies and procedures throughout the life cycle of each project
- Implemented effective communication protocols between internal teams working on different aspects of a given project
Mortgage Loan Processor
WELLS FARGO HOME MORTGAGE
02.2009 - 10.2013
- Managing an average pipeline of approximately 30 loan files
- Working with loan applications to request information and documentation from the applicants
- Processed Conventional, VA, FHA, and Bond loans
- Managed training of new employees on systems and processes
- Assessed credit reports to determine eligibility for mortgage loans
- Reviewed loan applications and verified accuracy of borrower information
- Processed loan documents and ensured compliance with federal regulations
- Analyzed financial data such as income, assets, liabilities, and credit history to determine risk factors associated with each loan application
Skills
- Financial Analysis
- Income Verification
- Underwriting Process Expertise
- Regulatory Compliance
- Client Account Management
- Credit Check Knowledge
- Proficient in LIS database
- Proficient in Empower
- Proficient in Mortgage Machine
- Proficient in CALYX
- Proficient in Desktop Underwriter
- Proficient in ACT software
References
Available upon request
Timeline
Sr. Loan Coordinator, Title Operations
Freedom Mortgage Corporation
04.2024 - Current
Mortgage Specialist
HABITAT FOR HUMANITY OF SAN ANTONIO
07.2022 - 11.2023
Sr. Mortgage Loan Processor
LOANDEPOT.COM LLC.
10.2020 - 06.2022
Mortgage Loan Processor
WELLS FARGO ASSUMPTIONS
10.2016 - 10.2020
Project Manager
THE EDU-SOURCE CORPORATION
10.2013 - 09.2016
Mortgage Loan Processor
WELLS FARGO HOME MORTGAGE
02.2009 - 10.2013
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