Kayla Martinez
Sanford
Summary
Highly motivated, customer service and detailed oriented professional with years of managerial experience in a fast paced, deadline demanding corporation looking to assist an award-winning company that has proven to be at the top of its industry. I am dedicated and focused to excel and prioritize. I am a strong multi-tasker and follow through to achieve project goals.
Mortgage professional with deep understanding of mortgage analysis and loan processing. Known for delivering accurate evaluations and efficient loan application reviews. Reliable team player with focus on achieving results and maintaining adaptability to changing needs.
Overview
13
13
years of professional experience
Work History
Mortgage Analyst
Digital Risk
08.2025 - Current
- Analyzed mortgage applications to ensure compliance with regulatory standards and underwriting guidelines.
- Evaluated borrower creditworthiness through detailed financial assessments and risk analysis.
- Collaborated with loan officers to streamline application processes and enhance customer service efficiency.
- Developed comprehensive reports on mortgage trends, providing insights for strategic decision-making.
- Enhanced customer satisfaction with prompt responses to inquiries, clear explanations of loan terms, and timely completion of necessary paperwork.
- Streamlined data-entry procedures for increased accuracy in client files, ensuring organized record-keeping systems were maintained at all times.
- Ensured timely completion of post-closing tasks such as fund disbursements, document recording, and file archiving.
- Improved loan processing efficiency by implementing streamlined workflows and enhancing communication between departments.
- Maintained strict compliance with federal regulations and company policies throughout the mortgage application process.
- Collaborated with brokers to gather required documentation, ensuring a smooth loan origination process.
Appraisal Coordinator
Digital Risk
09.2019 - Current
- UBS Wealth Management USA Appraisal Coordinator
- Collaborate with a team of UBS Loan Officers to manage and prioritize caseload of appraisal orders
- Effectively communicate with both the Appraisal Management Companies and Loan Officers to set appropriate client expectations and then ensure they are met or exceeded when possible.
- Analyze the subject property to identify key factors and ensure it is compliant with UBS lending guides
- Assistant Team Lead -backfill for time off as well
- Maintain all Appraisal Coordinator tasks while also:
- Manage the team of coordinators, offer guidance and training when applicable
- Assist in creating policies and procedures of the role
- Create and pull reports in Encompass to monitor metrics of the team and ensure all client expectations were met
- Participate in as well as lead meetings with the client as well as third-party vendors
- US Bank Appraisal Analyst
- Analyze 1004 URAR, Desk Reviews, and 1073 Condominium appraisal reports to ascertain whether appropriate data has been gathered and examined, if the data has been analyzed logically, and whether conclusions are consistent with the information presented in the report.
- Cross-Trained to assist in peak production periods
- Complete review of reports within client SLA
- Respectfully and professionally communicate with appraiser when modifications to reports are necessary and follow up as needed.
- Franklin American Mortgage Appraisal Analyst
- Analyze and review Desk Reviews to ascertain whether appropriate data has been gathered and examined, if the data has been analyzed logically, and whether conclusions are consistent with the information presented in the report.
- Cross-Trained to assist in peak production periods
- Complete review of reports within client SLA
- Know and identify key factors for client escalation
- Respectfully and professionally communicate with appraiser when modifications to reports are necessary and follow up as needed.
General Manager
Chipotle Mexican Grill
04.2014 - 09.2018
- Interview, analyze, and make the hiring decision on each new crew member
- Create a sustainable training system to ensure every employee represents the Chipotle brand
- Provide timely, honest feedback to both trainer and trainee
- Create thoughtful and accurate sales projections and attain food and labor targets while controlling expenses
- Execute local marketing tactics
- Respond quickly and effectively to customer problems, complaints, and emergency situations
- Leading shifts, setting specific, realistic goals for the shift and following up on them
- Oversee cash handling policies
- Worked with vendors to schedule maintenance
- Ordered all supplies
Assistant Manager
Panda Express
06.2012 - 03.2014
- Served customers and oversaw front and back of house employees
- Maintained the store in a clean and organized fashion
- Interviewed potential employees and cross trained others
- In charge of cash handling and open/closing the store
- Counted inventory and made weekly food orders
Education
Associate Degree - Business Management
Seminole State
Sanford, FloridaHigh school diploma - undefined
Downers Grove South High School
Downers Grove, IllinoisCertificate of Technical Studies - Medical Coding
Seminole State College of Florida
Sanford, FL12-2025
Skills
- Effective leader
- Strong written communication
- Skilled in managing multiple tasks
- Professional expertise
- Strategic issue identification
- Conflict management
- Effective time management
- Achievement-driven
- Consistently meets deadlines
- Driven individual
- Loan servicing
- Microsoft Excel
- Document review
- Portfolio management
- Loan processing
- Real estate appraisal
- Customer service
- Problem-solving
- Time management
Languages
Spanish
Full Professional
Timeline
Mortgage Analyst
Digital Risk
08.2025 - Current
Appraisal Coordinator
Digital Risk
09.2019 - Current
General Manager
Chipotle Mexican Grill
04.2014 - 09.2018
Assistant Manager
Panda Express
06.2012 - 03.2014
High school diploma - undefined
Downers Grove South High School
Associate Degree - Business Management
Seminole State
Certificate of Technical Studies - Medical Coding
Seminole State College of Florida
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