Jessica Pena
San Antonio,TX
Summary
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, leadership skills, excellent time management and problem-solving skills. Quick learner comfortable working independently or in team setting. Positive approach to tackling tasks and overcoming challenges. Detail-oriented team player with strong organizational skills. Thrive in multitasking and delivering customer-centric solutions.
Overview
23
23
years of professional experience
Work History
Property Tax Processor
Bexar County Property Tax Office
08.2023 - Current
- Supported tax payers with processing property taxes payments and payment arrangements for delinquent taxes.
- Provided outstanding customer service by promptly addressing inquiries and resolving issues.
- Managed multiple priorities simultaneously, maintaining organization even during peak periods such as assisting with refunds, refund penalties, and cash box.
- Used problem-solving and issue-resolution skills to promptly and successfully address tax account problems.
- Entered data into computer tracking system and filed paperwork according to procedures.
- Assist in motor vehicle department when needed
- Maintained accurate records and ensured timely completion of all necessary paperwork.
Mortgage Loan Underwriter
American Fidelity Mortgage
11.2020 - 11.2022
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines
- Conducted regular audits of underwriting files for accuracy and completeness, maintaining impeccable documentation standards.
- Maintained compliance with regulatory standards and guidelines, mitigating potential risks to the organization.
- Reduced processing times for mortgage applications, ensuring prompt customer service and satisfaction.
- Effectively managed workload to ensure timely completion of all assigned tasks while maintaining a focus on quality.
- Reviewed appraisals, condo questionnaires and title documents to verify accuracy and completeness. While managing 20-25 files, incoming calls, emails and faxes.
- Provided detailed feedback on loan decisions, effectively communicating with both internal and applicants.
- Continuously update knowledge of industry trends - Fannie Mae, Freddie Mac and changing regulations to inform sound decision making
- Streamlined communication channels between departments, fostering collaboration throughout the mortgage origination and closing process.
Mortgage Loan Closer
Pentagon Federal Credit Union
11.2019 - 11.2020
- Prepared conventional and VA paperwork for loan package and arranged final closing meeting.
- Follow closing procedures to comply with all Federal and State requirements along with policies and guidelines.
- Managed a high volume of loans simultaneously, prioritizing tasks efficiently to meet deadlines consistently.
- Prepare Closing disclosure and validate all fees are accurate on final CD.
- Identified potential roadblocks during the pre-closing phase and resolved issues proactively to avoid delays.
- Checked loan documents for accuracy prior to closing.
- Streamlined communication between all parties such as processors, underwriters and title offices to ensure timely closures.
- Collaborated with title companies and attorney offices for smooth and accurate execution of closing documents.
- Prepare disbursement of funds by wire, review executed loan documents to provide funding authorization.
Mortgage Underwriter
USAA Federal Savings Bank
04.2015 - 11.2018
- Evaluated loan applications conventional and VA to determine creditworthiness, assessing risk and establishing loan conditions.
- Reviewed title commitment, flood certificate and escrow accounts for accuracy
- Managed pipeline while maintaining quality above 95% within a 24 hour turnaround time.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Ensured regulatory compliance by maintaining up-to-date knowledge of industry guidelines and standards.
Senior Mortgage Loan Closer
USAA Federal Savings Bank
08.2006 - 04.2015
- Ensured accuracy in preparation and distribution of closing package for Conventional, Home Equity loans and VA real estate transactions during mortgage closings.
- Collaborated with underwriters and processors to resolve any discrepancies in loan documentation prior to closing.
- Assisted management team in developing new strategies for streamlining loan closing processes while maintaining compliance with industry standards and regulations.
- Implemented quality control measures to ensure accurate processing of financial data related to mortgage closings at every stage of the transaction lifecycle.
- Enhanced department productivity by training new staff members on loan closing procedures and best practices.
- Overcame complex challenges during the loan closing process by leveraging extensive industry knowledge and problem-solving skills.
- Maintained compliance with federal and state regulations by conducting thorough reviews of all loan documents.
- Maintain a closing pipeline of 40 plus loans to ensure closing documents and CD is compliant with TRID
- Conducted detailed pre-closing audits, identifying potential issues that could delay or prevent successful loan closings.
- Managed a high volume of loans simultaneously while maintaining strict attention to detail and organization for each file.
- Prepare and release funding wires for funding authorization
- Follow up on request from Post Closing in a timely manner
Home Loan Specialist
USAA Federal Savings Bank
09.2001 - 08.2006
- Prepared closing documents for Home Equity Loans, Home Improvement loans, Purchase Money 2nd and Line of Credits
- Prepared documents for Subordinations and Modifications
- Ordered VA appraisals, title commitments, payoffs for mortgage loans
- Reviewed documents for accuracy, which included title abstract, escrows and insurance forms
- Collaborated with underwriting team to expedite the approval process for qualified applicants, reducing wait times and increasing efficiency.
- Assisted with preparing cashier's checks for payoffs, wires and cash advances.
- Worked closely with title companies to ensure all necessary documentation was obtained for successful closings.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Worked with underwriters to fix application problems and resolve issues.
- Checked loan documents for accuracy prior to closing.
- Reviewed loan files and updated to match current standards.
Education
High School Diploma -
Fox Technical High School
San Antonio, TX05.1994
Skills
- Attention to Detail
- Teamwork and Collaboration
- Customer Service/Decision Making
- Experience in Encompass and Cadence
- Document and time Management skills
- Positive Attitude
- Strong Work Ethic
- Notary Public
- Multitasking and Organizing
Timeline
Property Tax Processor
Bexar County Property Tax Office
08.2023 - Current
Mortgage Loan Underwriter
American Fidelity Mortgage
11.2020 - 11.2022
Mortgage Loan Closer
Pentagon Federal Credit Union
11.2019 - 11.2020
Mortgage Underwriter
USAA Federal Savings Bank
04.2015 - 11.2018
Senior Mortgage Loan Closer
USAA Federal Savings Bank
08.2006 - 04.2015
Home Loan Specialist
USAA Federal Savings Bank
09.2001 - 08.2006
High School Diploma -
Fox Technical High School