Heather Tibiatowski
San Clemente
Summary
Experienced professional in mortgage lending with a deep understanding of having a strong work ethic, dependable, honest, client management, and loan processes. Adept at supporting loan officers by preparing documentation and communicating effectively with clients. Love working in a dynamic work environment and working collaboratively with a team. Highly reliable and results driven in loan processing and customer service.
Overview
10
10
years of professional experience
Work History
Mortgage Loan Officer Assistant
West Capital Lending
Irvine, CA
01.2026 - Current
- Managed lead account and was first line for borrower communication.
- Assisted loan officer in processing mortgage applications and documentation efficiently.
- Liaison between Borrower, Processor, and Loan Officer.
- Reviewed loan files for accuracy and underwriting guidelines.
- Grew my knowledge of mortgage products to provide informed support to clients.
Master General Agent
AO Globe Life
Phoenix, AZ
10.2023 - 12.2025
- Licensed insurance agent.
- Support our Veterans and Union members with their permanent benefit options.
- Maintained high retention rates by consistently delivering exceptional service, timely policy reviews, and prompt claims handling.
- Managed a team of agents in achieving their business and recruiting goals.
Processing Lead
Alameda Mortgage
07.2022 - 02.2023
- Worked with senior management on underwriting escalations
- Worked with senior management on implementation of procedure changes to increase efficiency.
- Reviewed loan files for accuracy before pre-approval and disclosures
- Pre-Underwrite files and submit to underwriting
- Underwrite conventional loan files
- Assisted Processor and Underwriters with obtaining conditions when escalations were needed.
- Completed initial Closing Disclosures and sent out closing packages.
Processor/Closer
Cardinal Financial/PPE
10.2021 - 07.2022
- Worked with senior management on underwriting escalations
- Reviewed loan files for accuracy before pre-approval and disclosures.
- Pre-Underwrite files and submit to underwriting.
- Customer and 3rd party point of contact
Branch Manager
Caliber Home Loans
01.2019 - 10.2020
- Manage the Fargo Branch Office
- Reviewed loan files for accuracy before pre-approval and disclosures.
- Mentor employees on their continued growth
- Trained new Originators on products, guidelines and systems.
- Pre-Underwrite files and submit to underwriting.
- Implement more efficient work models.
- Customer and 3rd party point of contact
- Assisted Processor and Underwriters with conditions, as needed.
Mortgage Manager and Sr. Underwriter
The Mortgage Company, Inc
02.2016 - 01.2019
- Underwrite, Close, Fund, Post Close, and Insure all files.
- Manage daily functions of the office
- Mentor employees on their continued growth
- Work with all investors on business development
- Apply and manage new investor and 3rd party relationships.
- Implement more efficient work model
- In charge of employee training
- In charge of technology
- Attest and submit to all annual investors, MERS, NMLS MCR’s, FHA Certifications
- Respond to all audits, QC audit’s and FHA audit’s
- Prepare and disclose all LE’s, CIC’s and CD’s both Prelim and Post for all files
- Assist Owners of the company on business growth
- Since 8/16 we had complete staff change, I hired a Processor, Jr. UW, Post-Closer, Lock/Desk/ Closer, and QC person
- Brought on 2 new warehouse lines of credit.
- Set up 8 new investors
- Set up a new AMC
- Set up new credit company
- Implemented and set up New LOS
- I have my VA LI Authority and my FHA DE insuring authority.
- CRU Designation
Education
NMLS #953812 - Mortgage Loan Officer
NMLS
Fargo, ND01-2016
Skills
- Credit analysis
- Document review
- Loan origination
- Loan processing
- Mortgage underwriting
- File processing
- Document verification
- File management
- Regulatory compliance
- Loan file review
- Teamwork and collaboration
- Customer service
- Problem-solving
- Time management
- Attention to detail
- Critical thinking
- Multitasking Abilities
- Mortgage loan processing
Timeline
Mortgage Loan Officer Assistant
West Capital Lending
01.2026 - Current
Master General Agent
AO Globe Life
10.2023 - 12.2025
Processing Lead
Alameda Mortgage
07.2022 - 02.2023
Processor/Closer
Cardinal Financial/PPE
10.2021 - 07.2022
Branch Manager
Caliber Home Loans
01.2019 - 10.2020
Mortgage Manager and Sr. Underwriter
The Mortgage Company, Inc
02.2016 - 01.2019
NMLS #953812 - Mortgage Loan Officer
NMLS