Lisa Chavez

• Monitored performance metrics such as average days past due and percentage of current balances collected.
• Responded promptly and professionally to customer inquiries regarding their accounts.
• Utilized various software tools such as Microsoft Excel and Access, SAP FICO and Oracle databases for data analysis purposes.
• Conducted detailed account audits to identify discrepancies and resolve billing issues.
• Performed reconciliation of accounts to ensure accurate billing and collections records.

• Reviewed existing content to identify opportunities for improvement or updates.
• Conducted interviews with subject matter experts to obtain relevant information.
• Performed extensive research prior to writing/editing any procedure.
• Maintained up-to-date knowledge and compliance with internal policies and procedures and verified adherence to state and federal laws, rules and regulations.
• Ensured compliance with all state and federal regulations related to testing methodologies.

• Maintained compliance frameworks, policies and documentation to support audits.
• Created and managed action plans to mitigate audit discoveries and compliance concerns.
• Conducted regulatory risk compliance audits to assess the effectiveness of existing risk management systems.
• Planned and executed compliance audits to check company policies, procedures and controls.
• Prepared reports outlining current status of organizational compliance initiatives.

• Provided project management support for the development and maintain process, procedures and tools.
• Provided security access via IAM to our 3rd party vendor Assurant as well as team members.
• Completed insurance tracking and property loss payee header setup, identified operational issues and potential concerns.

• Approved or denied short sale applications based on established criteria while maintaining compliance standards set forth by governing agencies.
• Reviewed loan applications to determine creditworthiness of applicants and analyzed financial information such as income, assets, liabilities, and credit history.
• Stayed current on loan requirements and standards for USDA, FHA, VA, FNMA, and FHLMC products.
• Identified areas for improvement in the underwriting process through data analysis, problem solving, and critical thinking skills.
• Ensured all documentation is accurate, complete, compliant, verified, signed off by appropriate personnel prior to closing the file .

*Promoted to Senior Underwriter to audit short sale files

• Mitigated regulatory risks by evaluating loans in accordance with guidelines and regulations.
• Consulted with legal counsel when necessary to resolve complex issues or disputes.
• Resolved discrepancies between customer documentation and internal records.
• Performed periodic reviews of existing loans to ensure continued compliance with established policies.
• Provided guidance on underwriting procedures to junior staff members.

• Processed credit card transactions through Point-of-Sale terminals or online systems.
• Resolved discrepancies between customers' remittances and invoices received.
• Answered customer inquiries regarding billings, payments, account status.
• Maintained accounting ledgers by verifying and posting account transactions.