Summary
Overview
Work History
Education
Skills
LANGUAGES
Timeline
Generic

Guadalupe Martinez

Elk Grove,CA

Summary

DEDICATED AND DRIVEN INDIVIDUAL, SEEKING TO STRIVE IN A DIVERSE WORK ENVIRONMENT BY UTILIZING MY EXTENSIVE BACKGROUND, SKILLS & EXPERIENCE.

Overview

16
16
years of professional experience

Work History

Loan Servicing Specialist

Socotra Capital
01.2024 - Current
  • Managed high-volume incoming calls, routing clients efficiently to the appropriate departments and personnel
  • Maintained and updated Monthly Collections Report spreadsheets to track loan performance and foreclosure activity
  • Communicated with borrowers via phone, email, and written notices regarding extensions, loan modifications, and delinquency status
  • Processed ACH payments, including initial pulls (1st–10th of each month) and ongoing reprocessing of NSF transactions
  • Generated and prepared payoff demands for escrow, title companies, and borrowers
  • Entered and processed payoff funds in TMO system, ensuring accuracy prior to audit review
  • Monitored and managed servicing inbox, responding to borrower inquiries, escrow requests, and general loan servicing needs
  • Analyzed loan documentation for accuracy and compliance when required guidelines
  • Performed new loan audits to verify accurate boarding of loan data into TMO
  • Aided with special projects encompassing bankruptcy-related assignments
  • Supported deposit operations into RCB as needed in the absence of team members
  • Drafted foreclosure documentation for delinquent loans
  • Negotiated payment agreements with delinquent borrowers, reducing loss exposure while maintaining positive customer relations.
  • Prepared and mailed borrower correspondence, including balloon notices, extensions, ARM rate changes, and monthly statements.

Human Resource/Owner

Tilted Mash Brewing
04.2016 - 09.2024
  • Managed day-to-day business operations.
  • Hired trained, and managed a high-performing team of employees dedicated to achieving company goals.
  • Attended conferences and events to stay up-to-date with industry trends and planning standards.
  • Managed employee relations issues, ensuring compliance with policies and regulation
  • Delivered dynamic presentations to facilitate learning and retention among diverse audiences.
  • Worked well in a team setting, providing support and guidance.
  • Handled cash transactions responsibly, maintaining accurate accounting records for nightly audits.

Mortgage Underwriter

Summit Funding
08.2014 - 04.2022
  • Underwritten completed loan packages for purchase and refinance loans within a satisfactory time frame.
  • Leveraged customers history, income, and demographic information to calculate and verify borrowers qualifications.
  • Underwritten loan applications according to Fannie Mae and Conventional guidelines and relevant legal regulations.
  • Performed thorough analysis of credit and appraisal to assess borrowers worthiness and collateral risk and to identify any potential fraud.
  • Accurately analyzed risk factors to meet secondary market investors.
  • Ensured and stayed up to date with compliance to meet company policies and state guidelines.
  • Maintained communication with loan officers and loan processors to effectively advise of approval/rejection of loans.
  • Presented and clearly explained policies and better loan options based on client's needs and goals.

Operations Project Analyst

HSS, Bank of America
10.2010 - 08.2014
  • Analyzed and resolved highly escalated loans for loan modifications.
  • Remediated exclusions by assessing borrower's ability to meet loan modification guidelines.

Education

High School Diploma -

American River College
Sacramento, CA

Skills

  • Microsoft Office Suite, Office 365, Adobe Acrobat, iOS, SQL
  • Outlook Mail & Calendar, Internet Explorer, Social Media Networking, MS Forms, Canva
  • Microsoft Teams, Zoom, Teleconferencing & Video Meeting programs
  • Professional Business Practices, Demeanor & Leadership skills
  • Strong Analytical skills and Problem Solver
  • Strong & Effective Communication skills (Verbal & Written, External & Internal)
  • Event Calendar Management
  • Marketing and Advertising

LANGUAGES

Spanish
Native or Bilingual

Timeline

Loan Servicing Specialist

Socotra Capital
01.2024 - Current

Human Resource/Owner

Tilted Mash Brewing
04.2016 - 09.2024

Mortgage Underwriter

Summit Funding
08.2014 - 04.2022

Operations Project Analyst

HSS, Bank of America
10.2010 - 08.2014

High School Diploma -

American River College
Guadalupe Martinez