JENNY ZAPATA
Underwriter
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
1
1
Language
Work History
Consumer Loan Underwriter 1
Wells Fargo Home Mortgage
San Antonio, TX
06.2020 - 05.2024
- 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
- 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.
- Continuously updated knowledge on industry trends and changes in regulatory requirements, ensuring accurate decision-making in line with current best practices.
- Balanced workload efficiently while meeting tight deadlines for loan processing, maintaining high standards of accuracy throughout all stages of underwriting.
- Maintained in-depth understanding of USDA, FHA, FNMA, and FHLMC loan requirements.
- Analyzed and reviewed financial statements, credit histories, income reports, and other information using critical thinking to make accurate determinations about loan decisions.
- Streamlined communication between departments by creating effective channels for sharing information related to loan applications and approvals.
Home Preservation Specialist 1
Wells Fargo Home Mortgage
San Antonio, TX
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
San Antonio , TX
02.2018 - 07.2018
- Providing outstanding customer Service while cashiering for copies of identification and passports.
- Audited completed foreclosure sale dates to provide accurate funds to the treasury.
- Maintained organized filing system for easy access to important financial documents.
- Ensured timely processing of invoices for accurate financial reporting.
- Improved financial accuracy by diligently reviewing and reconciling daily transactions to avoid fraudelent behaviors.
- Processed daily financial transactions in support of finance team objectives i.e. payment applied to court fees and cost.
Home Preservation Specialist 1
Wells Fargo Home Mortgage
San Antonio , TX
08.2016 - 02.2018
- 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.
- 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
- 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
- Served as an detailed oriented analyst for homeowners during foreclosure prevention negotiations, securing beneficial outcomes for borrowers facing financial hardship.
- Improved client satisfaction by providing timely and accurate information on home preservation programs for a quicker resolution resulting in a smoother process.
- Managed a large caseload while maintaining strict deadlines, successfully assisting clients in navigating complex home preservation processes.
- Contributed to the overall success of the organization by continuously improving processes and sharing best practices with team members.
- Provided support during loan modification negotiations by preparing homeowners with necessary documentation and guidance on communication strategies.
- Collaborated with team members to develop efficient strategies for handling a high volume of cases, ensuring all clients received prompt attention.
- Provided exceptional customer service within a high volume of inbound and outbound calls by addressing customers concerns promptly and professionally, fostering strong relationships and trust.
- Ensured compliance with all regulatory requirements by carefully documenting actions taken during each step of the home preservation process.
Senior Assistant Manager
Speedy Cash
San Antonio , TX
06.2006 - 08.2016
- Opened and closed location and monitored shift changes to uphold successful operations strategies and maximize business success.
- 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
- Assisted with check and cash deposit – verifying cash handling and balancing.
- Ensured all Currency Transaction Reports and Suspicious Activity Reports were submitted in a timely manner.
- Developed and managed employee schedules, balancing individual requests and requirements with business needs.
- Supervised and evaluated staff to help improve skills, achieve daily objectives, and attain advancement.
- Monitored cash intake and deposit records, increasing accuracy, and reducing discrepancies.
- Supervised day-to-day operations to meet performance, quality and service expectations.
Education
High School Diploma -
Luther Burbank High School
06-2005
Skills
- Title Searches
- Deeds
- Time Management
- Tracking Spreadsheets
- Documentation Review
- Reporting Requirements
Work Preference
Work Type
Full TimeLocation Preference
On-SiteRemoteHybridImportant To Me
Work-life balance401k matchCareer advancementHealthcare benefitsPersonal development programsWork Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Consumer Loan Underwriter 1
Wells Fargo Home Mortgage
06.2020 - 05.2024
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