Summary
Overview
Work History
Education
Skills
Timeline
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Jovanna Yvonne Martinez

Jovanna Yvonne Martinez

McAllen,TX

Summary

My professional objective is to be able to use my experience, dedication, and willingness to learn to be an asset to myself and my employer. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.

Overview

21
21
years of professional experience

Work History

Assistant Processor

RealTech Title Co
11.2021 - 11.2022
  • Work with Listing, Selling, Broker, Other Title Companies, and the clients regarding the sale for cash and closing the file within 15 business days
  • Processor Documents for closing
  • Work with HOA association,
  • Work with payoff statements,
  • Working with Taxes
  • Audit file before closing and funding.
  • Interacted regularly with peers and management to pursue continuous improvement of facility operations and promote a teamwork-focused environment.
  • Communicated with the processing Supervisor if unable to achieve the timeline or resolve the error.
  • Received and reviewed incoming documents and materials.
  • Entered data into a computer tracking system and filed paperwork according to procedures.
  • Researched and resolved discrepancies to maintain accuracy.
  • Checked completed work for proper spelling, grammar, punctuation, and format.
  • Entered data into databases in alphabetic and numerical order.
  • Verified data entered into the database by reviewing, correcting, and deleting data.

Real Estate Loan Processor

Texas Regional Bank
10.2019 - 11.2021
  • Payoff all mortgage investor loans, reconcile mortgage gl loan clearing
  • Review and track hazard policies in American Flood
  • Gather and submit HMDA data
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout the entire mortgage process.
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout the entire mortgage process.
  • Prepared file for final clear-to-close by branch management.
  • Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
  • Communicated with the originator and applicant concerning the progress of the loan files.
  • Checked daily reports each morning to identify priorities or issues for escalation to the supervisor.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Handled any conditions sent from underwriting departments.
  • Set up and completed loan submission packages.
  • Maintained compliance with privacy and security requirements and federal statutes covering FHA, VA, SBA, Real Estate Consumer, and Commercial and Portfolio loans.
  • Completed denial and cancellation procedures on applicable files.
  • A coordinated closing process with attorneys, title companies, and government clerks.
  • Evaluated approvals against established bank and government lending standards.
  • Oversaw file input in mortgage software and grant-specific software.
  • Reviewed and validated details of loan applications and closing documentation.
  • Collected and compiled title abstracts, insurance paperwork, loan files, and tax histories.
  • Set up, stored, and updated customer files, department records, and regulatory paperwork.

Compliance Assistant

Lone Star National Bank
02.2014 - 10.2019
  • File Compliance Assurance ensure required physical documents are retained and secure to collect and analyze reportable Reg C, Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA)
  • Prepare the HMDA LAR that provides research and response documentation to Compliance examiners
  • Insurance monitoring process in accordance with the National Flood Insurance Reform Act of 1994, flood insurance is required for all properties located in a Special Flood Hazard area regardless of whether the community participates in the National Flood Insurance Program (NFIP)
  • Responding to Compliance findings and questions
  • Set goals for performance and deadlines in ways that comply with the company’s plans and vision and communicate them to subordinates
  • Identified secure and high-risk areas and assessed vulnerabilities from a building standpoint for unauthorized access.
  • Monitored preventive maintenance program for company property.
  • Entered into record-keeping systems appropriate data needed to create or update new records.
  • Collected detailed notes on investigations and other communication to adhere to legal requirements and enhance recordkeeping.
  • Took notes on field examinations and specific case details, updated databases, and produced reports outlining the results of investigations.
  • Organize workflow and ensure that employees understand their duties or delegated tasks
  • Monitor employee productivity and provide constructive feedback and coaching
  • Decide on rewards and promotions based on performance
  • Ensure adherence to legal and company policies and procedures and undertake disciplinary actions if the need arises
  • Maintained facility-related materials and supplies.

Collateral Analyst II

BBVA Compass Bank
11.2012 - 12.2013
  • Maintain a thorough knowledge of the Bank’s document retention policies, along with state and federal regulatory and compliance guidelines that directly affect loans
  • Update tracking items as required information is received
  • Analyze, interpret, and approve received lien perfection documents and update tracking items as collateral and supporting documentation is received
  • Gather and coordinate the copying of legal and/or financial documents required by properly served subpoena as requested
  • Complete correction of electronic files and tracking item errors at time of notification
  • Audit files for maintenance and filing accuracy
  • Analyze new and existing collateral for accuracy and discrepancies to insure proper lien perfection
  • Set up collateral tracking for new and renewed loans for monitoring document expiration dates
  • Assist Bankers with questions regarding the electronic filing system and tracking items
  • Reviewed and validated details of loan applications and closing documentation.
  • Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
  • Set up, stored and updated customer files, department records and regulatory paperwork.
  • Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.

Compliance Analyst

Bank of South Texas
07.2010 - 06.2012
  • Developing, modifying, and implementing compliance policies and procedures
  • Administering compliance activities and supervising compliance staff
  • Monitoring compliance with the Code of Conduct
  • Maintaining compliance reporting systems
  • Coordinating internal compliance investigations and routine audits
  • Serving as Chairperson of the Corporate Compliance Committee
  • Promoting compliance awareness throughout ABC through signs, emails, posters, displays, handouts, and activities
  • Reviewed audit and monitoring reports related to consumer and client activities.
  • Stayed current with latest changes to applicable regulatory standards and company procedures.
  • Prepared documentation and records for upcoming audits and inspections.
  • Assisted investigation and risk management teams with fraud investigations and risk identification.
  • Assessed fees related to registration of property-related documents.
  • Collected payment from customers, provided documentation and changed accounts to reflect current statuses.
  • Wrote, reviewed and interpreted contract documents.

Consumer/Commercial Loan Underwriter

Bank Of South Texas
07.2006 - 07.2010
  • Verifying loans have been approved and all documents are obtained prior to boarding
  • Boarding consumer, commercial and SBA loans
  • Processing payments, reversals, AFT, non-accrual, charge-offs, and wires
  • Provide customer service for address changes, billings, and loan maintenance
  • Processing bills and managing pre-received accounts
  • Processing and closing paid loans
  • Obtaining insurance information when required
  • Maintained in-depth understanding of USDA, FHA, VA, FNMA and FHLMC loan requirements.
  • Supported loan officers and processors to help with timely completion of loan application.
  • Reviewed financial statements, credit histories, income reports and other information to make accurate determinations about loan decisions.
  • Checked titles, insurance coverage and appraisals for properties.

HMDA Auditor

Alamo Bank of Texas
09.2005 - 07.2006
  • Quarterly audits on applicable Reg C Home Mortgage Disclosure Act (HMDA) and Reg B Equal Credit Opportunity Act (ECOA) on each origination and purchase of, home purchase loans, home improvement loans, and refinancing on a Loan/Application Register, also known as the HMDA-LAR
  • Monitoring and taking appropriate actions on compliance-related issue
  • Investigating, controlling, and putting to rest suspicious activities
  • Reading, interpreting, and finding ways and methods for implementing company's policies and plans
  • Analyzing drop in performance department-wise and interviewing employees and managers for improving performance
  • Produced and reviewed audit reports for submission to inspector general and advised on audit recommendations and internal controls.
  • Attending employees and management meetings and discussing on development policies
  • Prepare our HMDA-Lar for March 1 submission, to the Federal Deposit Insurance Corporation (FFIEC)
  • Participated in interviews, performed observations and evaluated pertinent information to supplement audit findings.

HMDA and CRA Analyst

First National Bank
06.2003 - 06.2005
  • Identify the purpose of the requested or originated loan (home purchase, home improvement, or refinancing), the lien status of the property relating to the application, and whether the property will be owner-occupied as a principal dwelling under Reg C, Home Mortgage Disclosure Act (HMDA)
  • Identify the Community Reinvestment Act (CRA) regulations require that information on business, farm, and community development lending by insured depository institutions that meet certain asset thresholds.
  • Carried out day-day-day duties accurately and efficiently.
  • Monitored unit budget to meet financial objectives for spend rate and funding.
  • Collected, evaluated and modeled collected data.
  • Followed informed consent processes and maintained records.
  • Collecting, and analyzing quality testing documentation and addressing non-compliance
  • Audited all business loans that required a Uniform Commercial Code (UCC) to file in protecting the individuals and our origination
  • Attending employees and management meetings and discussing on development policies
  • Performed duties in accordance with applicable standards, policies and regulatory guidelines to promote safe working environment.

Collateral Specialist II

Inter National Bank
06.2001 - 06.2003
  • Maintain, manage, and track all pending/outstanding loan documents and exceptions
  • Perform final checklist sign off all credit collateral files after confirming that all documents are in file and the file is completed
  • Scan and verify all loan documents to ensure the accuracy and completeness of electronic filing
  • Cross-train on and serve as primary back-up for the File Librarian and Credit Desk position
  • Supervised loan personnel and motivated to maintain customer service and performance standards.
  • Carried out day-day-day duties accurately and efficiently.
  • Maintained energy and enthusiasm in fast-paced environment.
  • Monitored pipelines to track and log status of loans.

Education

Memorial High School

Skills

  • Ability to work on Real Estate, Consumer, Commercial, Portfolio, SBA, Underwriting, and loans
  • Ensures compliance with established internal control procedures by examining records, reports, operating practices, and documentation Verifies assets and liabilities by comparing items to documentation Completes audit work papers by documenting audit tests and findings
  • Ability to conduct internet-based research for fixing several issues
  • Maintain a thorough knowledge of the Bank’s document retention policies, along with state and federal regulatory and compliance guidelines that directly affect mortgage loans
  • Motivated professional with a solid commitment to quality customer service and superb communication skills
  • Testing and monitoring
  • Auditing
  • Bank operations
  • Data Entry
  • Loan Processing
  • Public Relations
  • Accounting
  • Receiving and logging in payments
  • FHA, VA and Conventional loans
  • Customer Service
  • Knowledge of Production Processes
  • Discrepancy Research and Resolution
  • Multitasking and Organizing
  • Critical Thinking
  • Production Documentation
  • Property Appraisals
  • Clerical Support
  • Data Analytics
  • Document Review
  • Records Management Systems
  • Loan Terms
  • Mortgage Lending
  • Closing Documents Understanding
  • Audit Procedures
  • Data Communications
  • Records Filing
  • FHA Loan Processes

Timeline

Assistant Processor

RealTech Title Co
11.2021 - 11.2022

Real Estate Loan Processor

Texas Regional Bank
10.2019 - 11.2021

Compliance Assistant

Lone Star National Bank
02.2014 - 10.2019

Collateral Analyst II

BBVA Compass Bank
11.2012 - 12.2013

Compliance Analyst

Bank of South Texas
07.2010 - 06.2012

Consumer/Commercial Loan Underwriter

Bank Of South Texas
07.2006 - 07.2010

HMDA Auditor

Alamo Bank of Texas
09.2005 - 07.2006

HMDA and CRA Analyst

First National Bank
06.2003 - 06.2005

Collateral Specialist II

Inter National Bank
06.2001 - 06.2003

Memorial High School

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Jovanna Yvonne Martinez