JANICE A. HERNANDEZ
Milford,PA
Summary
Account manager with proven success at Champions Funding LLC, specializing in pipeline management and client relationship development. Expertise in navigating complex loan products while providing outstanding customer service. Recognized for strong communication skills and critical thinking, facilitating seamless transactions and nurturing long-term partnerships. Dedicated Account Manager with a proven track record in relationship building and pipeline management within the wholesale industry. Known for effective communication and problem-solving skills that drive exceptional customer satisfaction.
Overview
11
11
years of professional experience
1
1
Certification
Work History
ACCOUNT MANAGER (WHOLESALE NON-QM)
CHAMPIONS FUNDING LLC
GILBERT, AZ
01.2025 - Current
- Account Manager for 6 Account Executives, Manage 70+ files from start to finish do all order outs, 4506C's SSA-89, VVOE's Answer client condition questions, working on a variety of loan products.
- Sending files for Condo and Entity review when ready, Following up on conditions 3-5 days with client, requesting ICD's when the file is ready for disclosure, as well as COC's preforming all data entry in the file, running Fraud, Running compliance prior to files CTC.
- Communicate updates to Broker partners.
- Review all conditions on each file and send to UW review or for CTC.
- Resolve file issue if any as well as broker issue if any, Manage pipeline with closing dates, and ICD dates.
- Be transparent with all communication with Broker partners, give outstanding customer service to all involved.
- Always making sure the file gets to where it needs to be to get it closed for my AE's and Broker partners.
- To work with a Lender that has the borrower/Broker interest at heart.
- And to be the ultimate Team Player to get the file closed.
RELATIONSHIP MANAGER (WHOLESALE, NON QM)
NP INC
Boca Raton, Florida
12.2023 - 01.2025
- Developed strong relationships with clients to ensure satisfaction and loyalty.
- Managed client accounts by addressing inquiries and resolving issues promptly.
- Collaborated with internal teams to streamline communication and service delivery.
- Conducted regular follow-ups with clients to assess needs and provide support.
- Assisted in creating marketing materials to promote financial services effectively.
- Organized client meetings to discuss funding options and investment strategies.
- Identified customer needs, developed customized solutions, and provided knowledgeable advice.
- Developed and maintained strong relationships with clients to ensure satisfaction and loyalty.
- Built long-term relationships with lucrative clients by utilizing active listening, effective communication and dynamic interpersonal skills.
- Developed strategies to attract new customers while retaining existing ones.
- Managed daily operations including scheduling appointments, coordinating meetings and preparing agendas.
- Resolved escalated customer issues efficiently and effectively within established timelines.
- Provided ongoing support throughout the sales cycle by responding promptly to inquiries, resolving issues, and following up on requests in a timely manner.
- Evaluated customer feedback to identify areas of improvement in products or services offered.
Junior UNDERWRITER (WHOLESALE)
Home point
Ann Harbor, MI
09.2020 - 11.2023
- Started with the company as a Relationship Manager, Cultivating Relationships, with the client and being the clients advocate, Building the relationship on trust and Sincerity each conversation.
- Analyzed and reviewed all incoming documentation, left file ready for underwriting, updated all fields in Encompass LOS.
- Answered all Clients questions in a timely manner Via Telephone or email.
- Fulfilled conditions cleared conditions.
- Performed all aspects of Underwriting.
- Moved into an Underwriting support Role, currently preform, all aspects of Underwriting Review and condition for outstanding.
- Collaborated with senior underwriters on complex cases and decisions.
- Utilized underwriting software to process loan applications efficiently.
- Evaluated borrower creditworthiness through analysis of financial documents.
- Collaborated with loan officers to clarify applicant information and resolve discrepancies.
SR LOAN PARTNER
Get A Rate
Hackensack, NJ
09.2019 - 09.2020
- Support 8-16 loan officers, submit clean files to processing analyzing all income Documentation and other documentation received from the client.
- Pre-Underwrote the file prior to submitting to Risk Underwriter Making sure that the file would only have one touch for its Clear to close.
- Ordering the work number, adding file contacts, working with borrowers to collect conditions.
- Also working with Digital Application, Assisting the Client on how to use the Application, Being communicative with the client to get all conditions in to get the file its CTC.
- Running LP and DU fixing discrepancies, Ordering PMI on Conventional Files, Ordering FHA Case numbers, Registration of FHA Appraisals.
- Working with Processor and Risk Underwriter on clearing conditions for the files Approval and CTC.
SR LOAN PARTNER
Homeside Financial
State College, PA
07.2017 - 09.2019
- Process and secure loans for 8 loan officers, Disclosed Loans making sure all documentation that was sent to the borrower was within Compliance.
- Made direct contact with borrowers, collect all initial conditions for initial underwrite, ran DU, LP for approvals fixed all discrepancies, transparency with Borrowers and Realtors, submitted files to Processing.
- Helped processing when needed to collect conditions.
- Updated CRM system and entered all pertinent dates.
- Worked the file to make sure we met our Closing Date on Purchase Agreement.
SR MORTGAGE LOAN OFFICER
MB Financial
Kingston, NY
04.2015 - 07.2017
- Structured all Conventional and FHA, USA and VA Loans for all borrowers with purchase and refinance transactions.
- Retrieved Credit report Analyzed report gave insight to the borrower if they could not purchase or Refinance at that time.
- Collected all Income Documentation and performed Financial Analysis to make sure the borrower qualified and to make sure Debt to income was in within guidelines.
- Ran DU LP, GUS collect all supporting documentation from borrowers, Pre-Underwrote the file prior to submission to processing making sure file was clean dealt directly with the borrower to make sure all conditions were collected from them for a 1 touch Clear to close.
- Work with Processor to order title and order Appraisal, Lock rates, price loans, Work with Underwriter to clear file to close, answer all questions to Realtor and Borrower keeping them in the loop of the mortgage process.
- Also Correspond with Attorney and Bank attorney if NY transaction.
- Clear all conditions to close.
- Always stayed on top of every changing guidelines, for Ginnie Mae, Freddy Mac and Fannie Mae, as well as USDA and VA.
Education
High school graduate or equivalency certificate (GED) - English Lit
Castlederg High School
Northern Ireland06.1987
Skills
- Commercial Property
- Financial analysis
- Financial Statements
- Lending
- Mortgages
- Origination
- Daily maintenance
- Appraisals
- Mortgage Loan Officer
- Industry accountancy
- Pipeline Management
- Relationship Building
- Fair Lending Act
- Community Reinvestment
- HMDA
- Credit Analyst
- Lending Compliance
- Ordering 3rd Party Docs
- Relationship Management
- Customer Service
- Negotiations
- Active listening
- Transparency
- Communication
- Efficiency
- Diligence
- Critical Thinking
- Teamwork
- Leadership
- Time Management
- Creativity
- Account Management
- Screening Calls
- Administration Duties
- Pipeline management
- Loan document analysis
- Compliance review
- Client condition communication
- Underwriting support
- Customer relationship management
- Conflict resolution
- Loan processing coordination
- Effective communication
- Team collaboration
- Customer service orientation
- Problem solving
- Adaptability
- Excellent communication skills
- Client relations
- Customer relationships
- Customer service
- Proficient in [technology]
- Client relationship management
- Coordinating documents
- Client rapport
- Teamwork and collaboration
- Loan processing
- Underwriting review
Certification
PA & NJ Mortgage Loan Originators License, NMLS # 63765, PA & NJ
Timeline
ACCOUNT MANAGER (WHOLESALE NON-QM)
CHAMPIONS FUNDING LLC
01.2025 - Current
RELATIONSHIP MANAGER (WHOLESALE, NON QM)
NP INC
12.2023 - 01.2025
Junior UNDERWRITER (WHOLESALE)
Home point
09.2020 - 11.2023
SR LOAN PARTNER
Get A Rate
09.2019 - 09.2020
SR LOAN PARTNER
Homeside Financial
07.2017 - 09.2019
SR MORTGAGE LOAN OFFICER
MB Financial
04.2015 - 07.2017
High school graduate or equivalency certificate (GED) - English Lit
Castlederg High School