Esmeralda Rodriguez
Grand Prairie,TX
Summary
Professional in mortgage loan processing equipped to handle high-stakes roles. Adept at managing complex loan files and navigating regulatory requirements. Emphasizes team collaboration, adaptability, and achieving results in dynamic environments. Known for excellent organizational skills and strong analytical capabilities. Successfully managing high- volume pipelines while ensuring compliance and accuracy. Enhancing loan processing efficIency and customer satisfaction. I have been working with Builder Division for over 10 years
Overview
11
11
years of professional experience
Work History
Senior Mortgage Loan Processor
First Choice Lending Group LLC
Remote
03.2021 - Current
- Manage high-volume pipelines, gather, review and verify borrower financial documents (income, assets, credit), analyze complex tax returns (self-employed, corporation) and 3rd party documents (appraisals, title, insurance, flood certificates, VOE's)
- Ensure adherence to all federal, state, and investor guidelines (Fannie Mae, FHA, VA, USDA, Jumbo) including RESPA, TILA, HMDA and Reg B and company policies
- Serve as the main point of contact, communicating proactively with loan officers, borrowers, realtor, title companies, underwriting and closing
- Assemble complete loan packages, submit to underwriting and diligently work to clear all conditions for Clear to Close (CTC)
- Identify and resolve complex issues, anticipating potential roadblocks to ensure smooth, timely closings
- Work with Builder to insure home has met all requirements- permits, Certificates of Occupancy and Final Inspections
Senior Loan Processor
Lifestyle Home Lending
Remote
09.2020 - 01.2021
- Developed training materials to enhance team understanding of loan processing systems and procedures.
- Implemented process improvements that reduced turnaround times for loan approvals significantly.
- Analyzed complex loan scenarios to develop customized solutions meeting borrower needs effectively.
- Ensured thorough verification of financial documents to maintain high levels of data integrity and quality control.
- Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
Senior Loan Processor
CLM Mortgage LLC
Hybrid
07.2018 - 08.2020
- Reviewed loan applications for accuracy and compliance with regulatory standards.
- Coordinated communication between borrowers, underwriters, and real estate agents to streamline processing.
- Mentored junior processors on best practices for loan documentation and processing efficiency.
- Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
- Enhanced customer satisfaction with timely and accurate loan processing, maintaining clear communication throughout the process.
Processing Manager/Previously SR Loan Processor
Jeremy Radack (One Trust Home Loans, FOA, Guild Mortgage)
Remote
09.2014 - 02.2018
- Managed workflow optimization to enhance processing efficiency and minimize turnaround times.
- Streamlined communication processes between departments, improving collaboration and information flow.
- Developed process documentation and standard operating procedures for consistent operational practices.
- Oversaw compliance with industry regulations, ensuring adherence to quality standards in loan processing.
- Implemented performance tracking systems to monitor team productivity and identify improvement areas.
Education
Associate Degree - Criminal Justice/Criminal Investigation
Mountain View College
Dallas, TXSkills
- Deep knowledge of mortgage loan process, especially New Construction
- Loan Programs- FHA, VA, Conventional, USDA, Jumbo
- Strong communication skills (verbal and written)
- Collaboration and teamwork
- Time management capabilities
- Multi-tasking abilities
- Problem solving abilities & Attention to detail
- Organizational & Analytical skills
- Proficiency with Loan Origination Systems (LOS)- Encompass, AUS, DU and LPA
- Microsoft Office, Word, Excel
- Regulatory compliance
- Pipeline management and Complex file handling experience
Languages
Spanish
Native or Bilingual
Timeline
Senior Mortgage Loan Processor
First Choice Lending Group LLC
03.2021 - Current
Senior Loan Processor
Lifestyle Home Lending
09.2020 - 01.2021
Senior Loan Processor
CLM Mortgage LLC
07.2018 - 08.2020
Processing Manager/Previously SR Loan Processor
Jeremy Radack (One Trust Home Loans, FOA, Guild Mortgage)
09.2014 - 02.2018
Associate Degree - Criminal Justice/Criminal Investigation
Mountain View College