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Summary
Skills
Work History
Education
Overview
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LUISANA GAMEZ

Languages

Spanish
Native or Bilingual

Summary

With over 15 years of experience in the mortgage industry, I excel in streamlining underwriting processes and enhancing customer satisfaction. My expertise includes DE designation and critical thinking, alongside a proven track record in regulatory compliance and efficient loan underwriting. I'm recognized for my analytical skills and effective communication, ensuring high-quality service delivery.

Skills

  • DE designation
  • Over 15yrs of mortgage experience
  • Analytical and Critical Thinking, and problem-solving skills
  • Encompass, Open/Close, Calyx Point Experience, Loan Vision
  • Oral and Written Comprehension and interpersonal skills
  • Proficient with Microsoft Office, Word, Outlook, Excel
  • Task Prioritization & Multitasking Abilities
  • Ability to prioritize multiple tasks in a deadline driven environment
  • Automated Underwriting System (AUS) LP, DU and GUS as well as Manual Underwriting
  • Regulatory Compliance, FNMA, FHA and USDA Guidelines, Debt-to-Income Ratios Residual Incomes, Credit analysis, Collateral Valuation, Creditworthiness Determination
  • Experience in underwriting USDA, FHA and Conventional loans for Wholesale and Retail pipeline

Work History

Accounting Specialist

Southwest Funding LP
05.2024 - Current
  • Improved financial accuracy by performing detailed account reconciliations and resolving discrepancies.
  • Increased efficiency in accounts payable and receivable management, reducing processing time and minimizing errors.
  • Supported month-end closing process by preparing journal entries, account reconciliations, and variance analysis reports.
  • Managed cash flow effectively by monitoring daily transactions reconciling bank accounts regularly.
  • Input financial data and produced reports using Loan Vision (LV).
  • Assisted auditors during annual audits, providing necessary documentation and addressing inquiries promptly.
  • Ensured accuracy in all aspects of loan administration, including billing, payment processing, and record maintenance.
  • Assisted with day-to-day operations, working efficiently and productively with all team members.
  • Maintained detailed records of borrower communications within the loan servicing system for easy retrieval during internal or external audits or reviews.
  • Improved customer satisfaction levels with timely and accurate resolution of inquiries, addressing concerns pertaining to mortgage payments, escrow accounts, and taxes.

Property Tax and Motor Vehicle Customer Specialist

Dallas County
12.2023 - 05.2024
  • Increased customer satisfaction by providing personalized service and addressing individual needs.
  • Resolved complex customer issues, ensuring a positive experience and fostering loyalty.
  • Managed high call volume efficiently, maintaining impeccable quality in customer interactions.
  • Streamlined internal processes for improved efficiency and better customer service delivery.
  • Maintained detailed knowledge of products and services offered, enabling accurate information dissemination and prompt issue resolution.
  • Directed customers to appropriate departments for additional support.
  • Updated account information to maintain customer records.

Homemaker

Employment Gap
10.2022 - 12.2023

FHA DE /Conventional Mortgage Underwriter

Cardinal Financial LLC
05.2020 - 10.2022
  • Improved loan approval rates by meticulously reviewing and verifying application documentation.
  • Reduced processing time for mortgage applications through diligent management of underwriting tasks.
  • Ensured regulatory compliance by maintaining up-to-date knowledge of industry guidelines and standards.
  • Collaborated with loan officers to clarify applicant information and expedite the underwriting process.
  • Analyzed potential risks and evaluated loan products to identify suitable options for customers.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Maintained mortgage program compliance with federal agencies such as HUD, USDA and FNMA.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Enhanced appraisal quality by conducting thorough underwriting reviews and providing insightful feedback to appraisers.
  • Prepared and updated field notes to document changes from previous assessments using computerized assisted appraisal system.
  • Reduced risk exposure by identifying and addressing potential fraud or misrepresentation within appraisal reports.
  • Reviewed Insurance Policy to determine sufficient coverage and deductibles met requirements for collateral.

FHA DE/Conventional Mortgage Underwriter

Pacific Union Financial LLC
03.2015 - 05.2020
  • Increased customer satisfaction through timely communication and efficient handling of loan applications.
  • Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful loan approvals.
  • Worked closely with junior underwriters, providing guidance on best practices and improving overall team performance.
  • Made approval and denial recommendations by determining accurate risk levels.
  • Examined credit reports, financial statements and tax returns to determine repayment capability.
  • Ascertained application viability by verifying collateral values, title reports and appraisals.

Senior Mortgage Underwriter

Southwest Funding LLC
07.2014 - 03.2015
  • Enhanced loan quality by meticulously reviewing and analyzing complex financial documents, credit reports, and appraisals.
  • Reduced loan processing time by implementing efficient underwriting practices and effectively collaborating with loan officers.
  • Ensured compliance with federal regulations and company policies through diligent examination of mortgage documentation.
  • Maintained a high level of customer satisfaction by providing timely responses to inquiries and addressing concerns promptly.

FNMA Mortgage Underwriter

The Lending Partners
02.2014 - 07.2014
  • Increased customer satisfaction through timely communication and efficient handling of loan applications.
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Made approval and denial recommendations by determining accurate risk levels.

FHA DE Mortgage Underwriter

Flagstar Bank, FSB
08.2012 - 09.2013
  • Ensured compliance with FHA guidelines by conducting thorough audits on approved loans for accuracy and completeness.
  • Reduced application processing times by streamlining workflow and maintaining a well-organized pipeline of files.
  • Increased customer satisfaction levels with timely communication throughout the underwriting process, addressing questions or concerns promptly.
  • Managed high-volume workload effectively, consistently meeting deadlines while maintaining attention to detail and accuracy.

Senior Mortgage Loan Processor

Nationstar Mortgage DBA Mr. Cooper
02.2010 - 08.2012
  • Enhanced loan processing efficiency by streamlining documentation and verification procedures.
  • Reduced turnaround time for mortgage approvals through effective communication with underwriters and loan officers.
  • Maintained a high level of accuracy in data entry, ensuring all loan applications were processed without errors.
  • Collaborated with team members to meet monthly targets, contributing to the overall success of the department.

Senior Mortgage Loan Processor

TexasLending.com
07.2002 - 01.2010
  • Collaborated with underwriting team to ensure accurate risk assessment and appropriate loan approvals.
  • Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
  • Conducted thorough borrower credit analysis to accurately assess financial stability and minimize default risks.
  • Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
  • Consistently met or exceeded monthly performance metrics, contributing to overall team success in achieving departmental goals.
  • Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
  • Prepared documents for underwriting by verifying client income, credit reports, and other information.

Education

High School Diploma -

Woodrow Wilson High School
Dallas, TX
05.2001

Overview

23
23
years of professional experience

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LUISANA GAMEZ