Leonor Miller
Wells Fargo
SANANTONIO
15
years of professional experience
Analytical underwriting professional with over 18 years of experience in consumer lending, credit analysis, risk assessment, and regulatory compliance. Proven ability to evaluate complex financial documentation, make sound credit decisions within delegated authority, and manage risk while delivering exceptional customer service. Experienced collaborating across departments, mentoring team members, and handling high-volume workloads in fast-paced financial environments. Bilingual in English and Spanish and recognized for strong analytical thinking, sound judgment, and relationship-building skills. Seeking to leverage extensive underwriting expertise in consumer finance with AmeriCredit/GM Financial.
Work History
Consumer Loan Underwriter III/Assistant Vice President
6 Years- Evaluated consumer loan applications to determine creditworthiness and risk levels.
- Analyze consumer credit applications and financial documentation to evaluate risk and determine eligibility for lending
- Partner with cross-functional teams to resolve loan issues, improve operational efficiency, and ensure timely processing of customer applications.
- Engaged with cross-functional teams to address complex cases, ensuring comprehensive evaluation of loans.
- Proactively identified and solved complex customer and loan problems impacting operations management and business directions.
- Collaborated with team members to streamline underwriting processes and enhance efficiency.
- Exercise sound judgment to approve or deny credit requests within delegated underwriting authority while maintaining compliance with company policies and regulatory requirements.
- Coordinated with third-party vendors to obtain necessary documentation and verifications, expediting the underwriting process for applicants.
- Ensured accuracy of property titles, insurance, and appraisals, facilitating smooth loan processing.
- Exercise good judgment to make logical decisions by researching and gathering data for customer applications.
- Manage risk control by following business lines process and procedures and work senior management leadership for loan level exceptions.
- Provided mentorship and training to junior underwriters on industry standards and best practices.
- Exercise good judgment to make logical decisions by researching and gathering data for customer applications.
- Manage credit risk through detailed financial analysis, documentation review, and adherence to established underwriting guidelines and regulatory standards.
- served as a research remediation analyst for special projects to investigate and resolve compliance, regulatory, or data errors on prior loan decisions.
Home Preservation Specialist II
7 Years 6 Months- Assist customers and third-party agencies with complex mortgage loans by reviewing applicable processes, analyzing financial information, and identifying solutions to help borrowers maintain homeownership across an all-investor portfolio.
- Manage a pipeline of 200+ cases while ensuring required customer contact and follow-up activities are completed accurately, efficiently, and in accordance with investor and regulatory requirements.
- Review and analyze financial documentation to evaluate borrower eligibility, assess financial circumstances, and support appropriate loan resolution decisions.
- Maintain comprehensive knowledge of investor credit policies and guidelines, including FHA, VA, USDA, FNMA, FHLMC, Wells Fargo-owned, bank, and private investor requirements.
- Participate in special assignments and initiatives designed to support business production, operational effectiveness, and department objectives.
- Serve as a Subject Matter Expert in multiple areas, including DSQM (call quality monitoring), Settlement, and Title, providing guidance and support to team members.
- Support the team’s mentoring program by assisting with the training and development of new-hire employees.
- Conduct daily pipeline reports and audits to monitor productivity, ensure required call regimens are met, and identify potential metric or compliance issues.
- Provide side-by-side coaching and performance support to team members on key focus areas, including breakaway performance, to promote individual success and overall team results.
- Review and interpret underwriter worksheets and financial analyses associated with various loan programs to ensure accurate understanding and application of lending guidelines.
- Communicate complex or difficult lending decisions to customers and third-party agencies, clearly explaining the financial analysis behind the decision as well as applicable debt-to-income and housing-to-income ratio requirements.
- Work independently and collaboratively to resolve complex issues, using strong analytical, problem-solving, and attention-to-detail skills to achieve effective solutions.
- Conduct team huddles and provide additional operational and administrative support to management as needed.
Phone Banker (Bilingual)
1 Year 2 Months- Provided exceptional customer service by addressing inquiries and resolving issues efficiently.
- Facilitated account management through effective communication with clients on various banking products.
- Processed transactions accurately, ensuring compliance with regulatory standards and company policies.
- Assisted colleagues in training new phone bankers to enhance team performance and service quality.
- Maintain an efficient average handle call time in a fast paced inbound customer service environment.
Education
High School Diploma
- Honor Roll 2005
- Completed AP course in Algebra, History, Spanish and Physics
- Professional Development: 2 years in Texas Association of Future Educators
- Ranked in Top 10% of class
- Hispanic National Honor Society Member
- Extracurricular Activities: Softball team
Associate of Applied Science - Accounting And Finance
- Dean's List Spring 2026
- 3.6 GPA
Skills
Consumer Credit Analysis
Credit Risk Assessment
Financial Reporting
Regulatory Compliance
Process Improvement
Microsoft Excel
Analytical Problem Solving
Decision Making
Negotiation
Relationship Management
Microsoft Office Suite
Time Management
Workflow Optimization
Strong Written & Verbal Communication
Fluent English/Spanish Bilingual
Timeline
Consumer Loan Underwriter III/Assistant Vice President
Wells Fargo
07.2020 - CurrentRead More
Home Preservation Specialist II
Wells Fargo
01.2013 - 07.2020Read More
Phone Banker (Bilingual)
Wells Fargo
11.2011 - 01.2013Read More
Northwest Vista College
Associate of Applied Science from Accounting And Finance
Read More
Lyndon B. Johnson High School
High School Diploma
Read More
Core Competencies
- Credit Underwriting
- Consumer Lending
- Credit Risk Analysis
- Financial Statement Analysis
- Regulatory Compliance
- Credit Decisioning
- Risk Management
- Customer Relationship Management
- Cross-Functional Collaboration
- Problem Solving
- Analytical Research
- Loan Documentation Review
- Quality Assurance
- Process Improvement
- Bilingual (English & Spanish)