Summary
Overview
Work History
Education
Skills
Languages
Timeline
Generic

Julia Esquivel

Shorewood,IL

Summary

Detailed-oriented and highly experienced Mortgage Testing Specialist with expertise in audit mortgage processes, compliance regulations, and risk management. Proven ability to ensure adherence to industry standards while mitigating risks. Seeking to leverage skills in audit, testing, and compliance.

Overview

18
18
years of professional experience

Work History

Enterprise Mortgage Testing Specialist

PNC Financial Services
08.2009 - 03.2025
  • Enhanced test coverage through thorough identification of critical test scenarios.
  • Improved testing efficiency by streamlining processes and implementing best practices.
  • Ensured seamless application integration through meticulous end-to-end system testing.
  • Mentored junior team members in software testing methodologies, resulting in more efficient and effective testing processes.
  • Reduced defects in production by conducting rigorous regression testing.
  • Assisted in establishing a culture of continuous improvement within the organization by identifying areas for improvement in overall quality assurance practices.

Senior Mortgage Loan Processor

PNC Mortgage
12.2006 - 08.2009
  • Collaborated with team members to meet monthly targets, contributing to the overall success of the department.
  • Reduced turnaround time for mortgage approvals through effective communication with underwriters and loan officers.
  • Increased productivity by implementing time-saving strategies such as standardized checklists and document templates.
  • Promoted teamwork within the department by fostering an inclusive environment and encouraging open communication among colleagues.
  • Provided comprehensive support to loan officers, ensuring they had all necessary information to make informed decisions on mortgage applications.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Handled any conditions sent from underwriting departments.
  • Mentored junior colleagues, offering guidance on best practices for managing workloads and meeting performance metrics.
  • Managed a large pipeline of loans, prioritizing tasks to ensure deadlines were met consistently.
  • Ensured compliance with industry regulations by staying up-to-date on changes in policies and guidelines related to mortgage lending.
  • Adapted quickly to changing market conditions, effectively adjusting workflow priorities based on fluctuating application volumes or regulatory shifts.
  • Set up and completed loan submission packages.
  • Processed mortgage loan applications accurately and successfully for over 11 years.

Education

Associate of Arts - Business

Joliet Junior College
Joliet, IL

Skills

  • Critical thinking
  • Mortgage Loan Origination and Servicing Systems
  • Risk Management & Compliance Testing
  • Teamwork and collaboration
  • Data Analysis and Reporting Tools
  • Adaptability and flexibility

Languages

Spanish
Native or Bilingual

Timeline

Enterprise Mortgage Testing Specialist

PNC Financial Services
08.2009 - 03.2025

Senior Mortgage Loan Processor

PNC Mortgage
12.2006 - 08.2009

Associate of Arts - Business

Joliet Junior College
Julia Esquivel