Summary
Overview
Work History
Education
Skills
LANGUAGES:
Timeline
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Fania Garibay

San Diego,CA

Summary


Experienced with assessing and processing loan applications efficiently. Utilizes attention to detail and organizational skills to ensure compliance and accuracy. Knowledge of regulatory standards and effective communication ensures smooth collaboration with clients and team members. Knowledge of SalesForce and Encompass.

Overview

12
12
years of professional experience

Work History

Loan Processor

American Internet Mortgage Inc.
04.2025 - Current
  • Processed loan applications, ensuring compliance with underwriting guidelines and regulatory standards.
  • Coordinated communication between clients, lenders, and third-party vendors to facilitate smooth transactions.
  • Reviewed financial documents for accuracy, identifying discrepancies and resolving issues promptly.
  • Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
  • Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
  • Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
  • Facilitated smooth closing processes by collaborating effectively with title companies, appraisers, and attorneys.
  • Collaborated with underwriters to ensure timely processing of mortgage applications.
  • Communicated effectively with clients to gather necessary documentation and resolve issues.
  • Use Encompass to keep track of loans and update all documents needed to process loan application

Senior Funding Coordinator

National Funding Inc.
04.2017 - 06.2024
  • Conducted thorough audits and verification of all documentation, resulting in 100% accuracy in deal funding and enhanced operational efficiency.
  • Liaison between cross-functional teams serving as the point of contact to facilitate communication and ensure clarity across departments.
  • Tracked deals and ensure timely funding on specified dates, as well as identifying process gaps and reasons for any funding delay.
  • Interpreted and analyzed credit approvals, cleared stipulations, and gathered supporting documentation to meet requirements and expedite funding processes.
  • Maintained meticulous attention to detail in verifying loan documentation, upholding integrity and compliance with company policies while ensuring compliance.
  • Prioritized effective communication with sales representatives and brokers by regularly providing updates on the status of loans.
  • Conduct comprehensive audits of incoming sign documents to validate accuracy in alignment with company and banking guidelines, minimizing errors and pinpointing operational inefficiencies.
  • Trained and provided guidance to team members on sales procedures and tools, fostering a collaborative environment for improved workflows.
  • Oversaw collections portfolio with a proactive approach, researching and analyzing documentation to identify potential fraud or discrepancies, thereby protecting company interests while addressing problem-solving needs effectively.
  • Maintained strict confidentiality of bank records and client information.
  • Used Salesforce to keep track of customer information and update records.

General Office Worker/Office Administrator

FCiFederal
05.2015 - 10.2016
  • Provided essential support for U.S. citizenship and naturalization services with the Department of Homeland Security (DHS). Assisted in the adjudication of Citizenship and Immigration Services (CIS) functions by delivering clerical and administrative support for the processing of naturalization applications and permanent residency registrations.
  • Managed clerical responsibilities for preparing and conducting naturalization ceremonies, which included preparing and distributing naturalization certificates and efficiently retrieving documentation from applicants.
  • Issued notifications to applicants regarding interview schedules and naturalization ceremonies while ensuring the proper filing of copies of certificates and notices in relevant alien files.
  • Coordinated the request and organization of files from other field offices as required for reviews or upcoming interviews, maintaining meticulous tracking of all files during transfers and requests.
  • Facilitated the processing of naturalization applications and permanent residency registrations by delivering efficient clerical and administrative assistance.
  • Coordinated and executed all clerical tasks necessary for the preparation and conduct of naturalization ceremonies, including the meticulous preparation and distribution of naturalization certificates and documentation for applicants.
  • Communicated effectively with applicants by issuing timely notices regarding interview schedules and naturalization ceremony dates; maintain organized records by filing copies of certificates and notices in the designated alien files.
  • Acquired and managed applicant files from other field offices as required for review or interview scheduling, ensuring thorough and accurate case management.
  • Tracked the status and location of all files during transfers or requests, maintaining a high level of organization and accountability in file management.

Administrative Assistant

Synergy Companies
02.2013 - 05.2015
  • Worked with the Energy Saving Assistance Program at San Diego Gas & Electric, this program specifically focused on mobile homes. Responsible for a multi-step process of auditing applications to ensure compliance and accuracy.
  • Managed and updated Excel spreadsheets for tracking applications submitted by outreach specialists, facilitated payroll processes.
  • Provided exceptional customer service by answering high-volume phone calls, including all inquiries in Spanish, addressing customer questions, and resolving issues efficiently.
  • Collaborated with the Energy Saving Assistance Program to improve energy efficiency for mobile home residents.
  • Executed a comprehensive multi-step process for auditing program applications, ensuring accuracy and compliance with guidelines.
  • Maintained and updated an Excel spreadsheet to track weekly submissions from outreach specialists, facilitating timely payroll processing.
  • Handled a high volume of inbound calls, providing exceptional customer service in both English and Spanish, addressing inquiries and resolving issues promptly.
  • Scheduled and managed technician appointments, optimizing workflow and resource allocation.
  • Input and managed customer application data in the SDG&E database, enhancing database integrity and accessibility.
  • Trained new employees on policies and procedures for various energy efficiency programs, contributing to team development and program effectiveness.

Education

Bachelor of Science - Criminal Justice

San Diego State University
Calexico, CA

Skills

  • Data entry
  • Teamwork and collaboration
  • Information verification
  • Regulatory compliance
  • Loan disclosures
  • Credit reports
  • Financial document review
  • Loan submissions

LANGUAGES:

  • English
  • Spanish

Timeline

Loan Processor

American Internet Mortgage Inc.
04.2025 - Current

Senior Funding Coordinator

National Funding Inc.
04.2017 - 06.2024

General Office Worker/Office Administrator

FCiFederal
05.2015 - 10.2016

Administrative Assistant

Synergy Companies
02.2013 - 05.2015

Bachelor of Science - Criminal Justice

San Diego State University

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Fania Garibay