Leticia Chavez
Mortgage/Banking
Glenn Heights,TX
Summary
Well-organized Bilingual Mortgage Professional holding 25 years of comprehensive experience and an in-depth knowledge of conventional and government loan programs. Detail-oriented and diligent with talents in gathering borrower information and verifying loan documents. Adept at building loyalty and trust between bank and customer.
Overview
25
25
years of professional experience
Work History
Underwriter I
Mr. Cooper Mortgage
Irving, TX
11.2021 - 11.2022
- The Underwriter I review loans to assess risk in compliance with company guidelines and state and federal reporting guideline and approve or declines loans
- Ensures data integrity to confirm the accuracy of automated underwriting findings
- Strictly adheres to internal underwriting guidelines, investor requirements and federal regulations to ensure loan quality
- Verifies and analyzes all documentation, including credit, income, appraisal and title information
- Effectively communicates required conditions/stipulation and assists where possible to expedite the verified approval on purchase loans.
Underwriter Associate
Mr. Cooper Mortgage
Irving, TX
10.2020 - 11.2021
- Responsible for analyzing VAIRRRL loan products according to internal underwriting and insuring standards, investor guidelines, and federal regulations
- Compile, analyze, and document loan data and credit risk, borrower, and property information
- Achieve all assigned Performance Standards to include loan quality, productivity, turn times and customer satisfaction
- Responsible for providing clear and accurate communication to fulfillment team members, management, sales and customers (as needed) regarding file documentation and required conditions
- Constantly learn and improve from established feedback loop routines to complete underwriting correctly and in a timely manner
Cooper Concierge Sr.
Mr. Cooper Mortgage
Irving, TX
04.2020 - 10.2020
- Act as a customer advocate and single point of contact for assigned customers to generate the highest level of customer satisfaction through differentiated world class service
- Complete all required outbound calls for loans in your pipeline including Welcome Calls, Status Calls, CD Calls, Closing Coordination, etc
- Promptly respond to customer emails / inbound calls within established SLAs
- Takes full ownership of assigned pipeline and manage proactively to resolve any customer escalations
- Follow through and resolve all identified issues within specified SLA's
- Provide status updates, address concerns/ questions / issues and determine specific actions needed to improve overall cycle times & Customer Satisfaction
Suspense Coordinator II
Mr. Cooper Mortgage
Irving, TX
02.2019 - 05.2020
- Review conditions submitted by lenders and clear loans to be purchased if applicable
- Review conditions submitted by Correspondent Sellers and sign off on conditions in FLOW once they are satisfied/cleared
- Index imaged document(s) uploaded
- Approve loans for purchase once all conditions are satisfied/cleared
- Communicate with Underwriters/Legal Reviewers regarding received document(s) when/if unable to determine whether such documents satisfy a condition.
Purchase Auditor II
Pacific Union Financial
Farmers Branch, TX
05.2012 - 02.2019
- Responsible for reviewing funding packages and working with internal staff and external customers to gather conditions needed for funding, review conditions, and fund loans
- Review legal package for accuracy and ensure file is in compliance
- Run Compliance Ease on each file.Verfy MERS registration
- Coordinate/communicate with the underwriter on any outstanding conditions
- Remain current and comply with company processes, procedures and requirements
Education
Some College (No Degree) - Basic courses
Brookhaven College
Dallas, TX01-1991
High School Diploma -
R.L. Turner High School
Carrollton, TX01-1989
Skills
- Underwriting convention loans
- Loan Processing FHA,CONV,VA,USDA
- Loan origination software (LOS)
- Encompass, Ram Quest, Microsoft
- Customer service
- Time management
- Automated Underwriting Systems (AUS)
- Teamwork and Collaboration
Timeline
Underwriter I
Mr. Cooper Mortgage
11.2021 - 11.2022
Underwriter Associate
Mr. Cooper Mortgage
10.2020 - 11.2021
Cooper Concierge Sr.
Mr. Cooper Mortgage
04.2020 - 10.2020
Suspense Coordinator II
Mr. Cooper Mortgage
02.2019 - 05.2020
Purchase Auditor II
Pacific Union Financial
05.2012 - 02.2019
Some College (No Degree) - Basic courses
Brookhaven College
High School Diploma -
R.L. Turner High School
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