JENNY ZAPATA
San Antonio,TX
Summary
Hardworking, highly motivated professional eager to lend combined knowledge and skills to enhance business performance. Operates well in both individual and team capacities, leveraging seasoned work ethic to quickly adapt to different processes and drive company objectives. Resourceful and results-driven with a passion for growth and efficiency to meet company needs and increase service value.
Overview
18
18
years of professional experience
Work History
Consumer Loan Underwriter 1
Wells Fargo Home Mortgage
06.2020 - Current
- Analyze financial data related to loan request
- Analyze, review, and use critical thinking skills to make decisions on products within the company and industry guidelines
- Effectively manage and process a pipeline of loans within strict timelines
- Manage risk by continuously reviewing procedures and policies to be aware of any updates or changes
- Evaluate loan type, ownership, and occupancy of the residence to ensure proper adjustments are made to loan terms, rate or amount when applicable
- Reviews credit applications, credit bureau information, collateral valuation, tax returns, financial statements, and other supporting documentation to understand customer’s situation.
- Improved internal controls resulting in the successful enhancement of critical business processes and/or the execution of high-priorty initiatives
- Utilize tools by using the following systems: MSP, ER, IRC, Neighborhood Watch, CLARA, CAIVRS, ICMP, HEPT, EDM, ECAR, SLOAD and Microsoft Office: PowerPoint, Outlook, Excel, Word
- Quickly adapting to changes based on business needs for special projects
- Performed 1st and 2nd level reviews for compliant audits including mentoring peers
- Manage the development, implementation, and monitoring of a risk-based program for a business or large functional area with moderate to high risk to identify, assess and mitigate operational risk that arises from inadequate or failed internal processes, people, systems or external events. Identify operational risk issues.
- Collaborate and consult with peers, colleagues, and managers to resolve issues and achieve goals.
Home Preservation Specialist 1
Wells Fargo Home Mortgage
07.2018 - 06.2020
- Effectively utilized policies and procedures to document the systems of record in order to remain in compliance with internal company requirements and external agreements to mitigate risk
- Transitioned to NACA CHA Department to better assist customers, Authorized Third Parties and Agencies to review eligibility of potential assistance options by remaining professional and compliant.
- Reviewed, researched and resolved concerns around options and solutions available to resolve delinquency and prevent a loss to the customer, servicer or investor.
- Maintains a professional tone and demeanor to obtain all necessary information through complete packages based off of the customer’s financial situation gathered by the initial interview.
- Effectively works in a team environment to achieve and exceed expectations and provide outstanding customer service.
- Strong attention to detail while documenting systems of record in order to remain in compliance while notating ECAR accounts and external portals; Hope Loan (HLP) and NACA.
- Proficiently multitasked through multiple systems to inform customers of loan terms, important dates, deadlines and information needed to move forward out of their current hardship – ensuring a clear understanding of the account.
Finance Clerk
Bexar County
02.2018 - 07.2018
- Accepted and applied payments to past due child support and attorney fees and costs
- Providing outstanding customer Service while cashiering for copies of identification and passports.
- Managed and balanced cash and checks to avoid fraudulent behaviors and consistency within reporting
- Audited completed foreclosure sale dates to provide accurate funds to the treasury.
- Filed, sorted and entered data through multiple systems.
Home Preservation Specialist 1
Wells Fargo Home Mortgage
08.2016 - 02.2018
- Worked within a high volume of inbound and outbound calls to inform borrowers and authorized third parties by providing outstanding customer experience.
- Assisted with various lines of business, including disaster, knowledgeable about the process and procedures in place to adjust to the customer’s specific situation and allow them to succeed financially.
- Comes into work on time, extremely reliable and prepared to assist all customers with no attendance issues.
- Reviewing and researching our systems of record in order to resolve customer inquiries while ensuring compliance with internal company requirements and government regulations by offering options and solutions to resolve their delinquency
- Detail oriented analyst who reviews documentation and loan level data for eligibility of reactivation into Loss Mitigation, based upon the customer’s request, by evaluating various documents for both Retention and Liquidation reviews.
- Experience using the following systems: ERNG, ERLMF, MSP, Fidelity, GEM, ICMP, EDM, SOTA, ECAR, IEX and Microsoft Office: Word, Excel, PowerPoint, Lync and Outlook
- Utilized Payment Processing systems to follow internal hierarchy models for all investors; FHA, VA, USDA, FNMA, FHLMC, WO and B&P
Senior Assistant Manager
Speedy Cash
06.2006 - 08.2016
- Provided security by opening and closing the store, ATM and verifying outstanding limits were not exceeded. Determining currency needed for the daily store operation.
- Reviewed for accuracy and filed various documents, payday loans and title loans, etc., to keep record to avoid future CFPB audit fails
- Data Entry while providing excellent customer experience inclusive of all their financial information to verify income sources and payout methods
- Daily review of previous day’s data to audit and provide feedback to direct customer advocates to ensure signatures and dates aligned.
- Assisted with check and cash deposit – verifying cash handling and balancing.
- Ensured all Currency Transaction Reports were submitted in a timely manner.
Education
High School Diploma -
Luther Burbank High School
San Antonio TX06-2005
Skills
- Title Searches
- Deeds
- Time Management
- Tracking Spreadsheets
- Documentation Review
- Reporting Requirements
References
References available upon request.
Timeline
Consumer Loan Underwriter 1
Wells Fargo Home Mortgage
06.2020 - Current
Home Preservation Specialist 1
Wells Fargo Home Mortgage
07.2018 - 06.2020
Finance Clerk
Bexar County
02.2018 - 07.2018
Home Preservation Specialist 1
Wells Fargo Home Mortgage
08.2016 - 02.2018
Senior Assistant Manager
Speedy Cash
06.2006 - 08.2016
High School Diploma -
Luther Burbank High School