Jenny Castro

Responsible for overseeing and managing various HR programs within an organization. In this role I utilize a strategic and proactive approach to ensure the successful implementation and execution of HR initiatives. Collaborates with cross-functional teams to drive organizational objectives and enhance the overall department and employee experience. · Develop and implement HR programs and initiatives aligned with the company's strategic goals and objectives.

· Manage and lead the entire lifecycle of HR programs, including planning, execution, and evaluation.

· Collaborate with stakeholders to identify program requirements and design effective solutions.

· Monitor program progress, identify potential issues, and implement corrective actions as needed.

· Conduct regular assessments and evaluations to measure the effectiveness and impact of HR programs.

· Provide guidance and support to managers and employees regarding program policies, procedures, and best practices. · Ensure compliance with applicable laws, regulations, and company policies in all HR program activities.

· Lead change management efforts related to HR programs and initiatives.

· Develop and maintain strong relationships with internal and external partners to ensure program success.

· Stay abreast of industry trends and best practices in HR programs and make recommendations for improvement.

As Manager, I was responsible for Service Level Adherence (SLA) to ensure Underwriting/Processing is providing timely decisions back to our sales partners. I ensure that the Operations Team achieves performance and Quality Assurance standards. I ensure that all necessary coaching and development takes place for all team members. I am involved in the recruiting, training, coaching and payroll processes when necessary. I participate in the ongoing development and implementation of processes and procedures.

Achieve Collaboration with Business Partners:

In my 5+ years of service, I have built great relationships with Team Members and Leaders from various Business lines: AAPL, APL and AHL. CCP Contact Center Platform, FDR, Negotiations, Applications Support, Payment Operations, FDR Customer Service, Turnbull, C+ Sales, Business Controls, Business Intelligence, Human Resources, Learning and Development, Facilities and ERG Groups. I have built a strong Network across our organization. These connections have helped be more successful in my current job role. I have built my brand and have found my footing in this company. I take pride is the networking I have established and know this has been essential as a Leader for Achieve.

· Training and Development: Provide ongoing and initial coaching and training to new and existing staff

· Perform quality assurance reviews on decisions rendered

· Assist in documenting processes and procedures

· Assist in implementation of new processes

· Report agent productivity to management on hourly, daily, weekly, and monthly basis

· Ensure that all KPI’s for the individual team members are met

· Prepare and deliver action plans when metrics are not met

· Prepare and deliver corrective action when needed

· Ensure that all department KPI’s are met

· Monitor schedule adherence and attendance for all team members

· Interview and hire all new team members

· Prepare semi-annual/annual performance reviews

· Complete weekly one on ones with staff

· Review and approve time off requests

· Review and approve all time cards

· Span of control up to 15 FFAM team members

· Grounded by Cultural Fit: Care, Act with Integrity, Get better and collaborate.

· Participated in Employee Resource Groups: Freedom Unidos, Junior Achievement of Arizona

· Phoenix Business Journal Women Mentoring

· Unidos ERG Steering Committee Leader 2023

· Unidos ERG Mentor 2023

· She Leads Cohort 2023

· She Achieves Mentor 2023

· She Achieves Sponsor 2023

· Unidos ERG Mentorship Sponsor 2024

· Unidos ERG Budget Lead 2024

· Unidos ERG Chairperson 2024-2025

• Underwrite and apply necessary conditions to ensure the borrower meets program specifications
• As an Underwriter III, my expert knowledge of residential mortgage underwriting guidelines are the highest-level designation within the underwriting team
• I was responsible for the following: Analysis of submitting files for repayment capacity, capital/assets, character, collateral and property condition, while adhering to Chase credit policies and investor/agency guidelines

• Conduct forensic, retrospective (post purchase), QC / QA loan reviews on performing and/or non-performing loans submitted to Risk Assessment Department
• Insure accurate and timely re-underwriting, loan evaluations and data entry while reviewing for possible misrepresentation, omissions, inaccuracies and fraud flags within an all-paperless environment
• Present findings in writing to the client
• Adhere to all federal regulations regarding the protection of Personally Identifiable Information
• Loans re-underwritten using client underwriting guidelines, with consideration of contract variances.

• I was responsible for managing and monitoring daily workflow of my files and be an expert on agency loan guidelines and Stearns internal underwriting procedures
• I have experience all four designations, Conventional, FHA, VA and USDA
• In audit delegated and non-delegated reviews
• I made sound decisions regarding credit worthiness of borrowers while working closely with Correspondent Clients, Underwriters, Loan Processors, Brokers and Management.

• Responsible for reviewing, analyzing in approving new underwrites large, unusual or complex individual consumer requests and products within company and industry guidelines
• Dependent on division and complexity of underwriting
• Functions include reviewing financial statements, credit reports, and applicable ratios (i.e
• Debt ratios, loan-to-value); evaluating; examining transactions to ensure accuracy and completeness
• Assist in preparing formal reports for review; ensuring that documents are consistent and uphold to company and industry guidelines
• Implementing fraud detection techniques, performing compliance reviews.

• Responsible for providing consistent and accurate mortgage loan Underwriting Leadership complying with New Century Mortgage Company and investor guidelines
• Quick thinker and accurately multi-task under tight deadlines
• Familiar with changing internal/legal/state specific/investor guidelines in a timely fashion
• Work closely with Operations Manager for taking higher authority levels in approving loans
• Help other underwriters with more complicated loan issues
• Calculating DTI manually
• (Debt over income analysis).

• As an Underwriter, I was responsible for underwriting Sub-prime loans
• Follow Underwriting guidelines
• Evaluated mortgage files and assessed risk based on compliance, investor, and company guidelines to ensure salability with minimal loss
• This role required to keep current with regulatory and market changes
• I was service-focused with superior time-management and communication skills had the ability to multi-task
• Possessed an attention to detail
• Mortgage Loan Underwriter conducted business with integrity and highly ethical manner.

• I was responsible for compliance and federal lending regulations, Real Estate Settlement Procedures Act, Truth in Lending Act, Flood Disaster Protection Act, Homeowners Protection Act, and Home Mortgage Disclosure Act
• Subject Matter Expert of all internal policies, procedures and training external legislature and regulations Process Loan Closings, Advances, Payments, and Maintenance Items –Operational Transactions Loan Closings
• Compared documents and discuss discrepancies with underwriter and loan officers for resolution Reviewing the loan approval and loan documents to understand the project, funding logistics, and approval requirements Accurately funding advance requests.