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, CASkills
- 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