LUZ ESPINAL
Providence
Summary
Detail-oriented mortgage and financial operations professional with experience in underwriting, grant/financial management, regulatory compliance, and high-volume case processing. Strong background reviewing financial documentation, ensuring accuracy, and applying federal and investor guidelines with great attention to detail. Known for improving processing efficiency, maintaining audit-ready files.
Overview
10
10
years of professional experience
Work History
Grant and Financial Specialist
BROWN UNIVERSITY
Providence, RI
06.2024 - Current
- Review and analyze financial documentation to ensure accuracy, compliance, and proper allocation of funds.
- Manage high-volume financial records while maintaining audit-ready files.
- Identify discrepancies in financial data and implement corrections.
- Support budget monitoring and financial reporting processes.
HAF Program Underwriter
RIHOUSING
Providence, RI
01.2022 - 06.2024
- Reviewed mortgage-related financial documents including income, assets, and hardship.
- Analyzed applicant financial information to ensure compliance with federal guidelines.
- Approved or denied applications based on risk evaluation and documentation accuracy.
- Worked with servicers and loss mitigation teams on modifications and repayment terms.
- Improved processing speed while maintaining accuracy.
- Communicated decisions and documentation requirements clearly.
Funding & Lock Representative
RIHOUSING
Providence, RI
02.2021 - 01.2022
- Verified loan registration and rate-lock requests for accuracy.
- Reviewed files for missing information and followed up with lenders.
- Processed secondary financing and subordinate lien disbursements.
- Maintained accurate loan records and ensured compliance.
Administrative Assistant / Homebuyer Education Coordinator
RIHOUSING
Providence, RI
06.2016 - 02.2021
- Provided administrative support in a high-volume environment.
- Managed client records and documentation with high accuracy.
- Coordinated homebuyers education programs.
- Improved workflow efficiency through standardized processes.
Education
Bachelor of Arts - Justice Studies
Rhode Island College
Providence, RISkills
- Mortgage underwriting support
- Financial document review
- Regulatory & federal compliance
- Data accuracy & quality control
- File/loan processing
- Risk assessment
- Microsoft Excel & Office
- Audit-ready documentation
- Attention to detail
- Client & lender communication
ADDITIONAL QUALIFICATIONS
- Bilingual: English & Spanish
- Experience with mortgage programs and federal income guidelines
- Strong ability to meet deadlines while maintaining accuracy
Languages
Spanish
Native or Bilingual
Timeline
Grant and Financial Specialist
BROWN UNIVERSITY
06.2024 - Current
HAF Program Underwriter
RIHOUSING
01.2022 - 06.2024
Funding & Lock Representative
RIHOUSING
02.2021 - 01.2022
Administrative Assistant / Homebuyer Education Coordinator
RIHOUSING
06.2016 - 02.2021
Bachelor of Arts - Justice Studies
Rhode Island College