Marcela Ruvalcaba
Phoenix,AZ
Summary
Resourceful professional in financial services, known for high productivity and efficient task completion. Specialized in risk assessment, regulatory compliance, and customer service. Excel using communication, problem-solving, and adaptability skills to achieve goals and meet client needs.
Overview
14
14
years of professional experience
Work History
Remote Mortgage Loan Underwriter
Loandepot
Scottsdale, AZ
07.2020 - 08.2022
- Analyzed and conditioned conventional, government-approved, and manual underwriting mortgage loans for compliance.
- Conducted detailed assessments of personal assets, income, and liabilities to facilitate loan processing.
- Evaluated personal and business tax returns to determine income qualification.
- Underwrote purchase, new construction, manufactured homes, and refinance mortgage loans.
Remote Mortgage Loan Underwriter
Bank 34
Scottsdale, AZ
12.2017 - 03.2019
- Determined whether or not to approve or deny loan requests based on established underwriting guidelines.
- Ensured all applicable laws were adhered to during the underwriting process.
- Evaluated borrower's financial information, including credit history, income, and assets to determine loan viability.
- Ensured loans met all underwriting guidelines for government-sponsored entities (GSEs) such as Fannie Mae and Freddie Mac.
Remote Underwriter
Caliber Home Loans
Scottsdale, AZ
04.2012 - 01.2017
- Reviewed and analyzed loan applications for completeness and accuracy.
- Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
- Issued clear written conditions for approval of mortgage loans.
- Interpreted results from automated underwriting systems.
Mortgage Quality Specialist/Loan Specialist III
Metlife Home Loans
Scottsdale, AZ
02.2009 - 04.2012
- Ensured accuracy of mortgage loans through thorough analysis of electronic and hard data files.
- Provided tracking and reporting on control findings to operations staff for prompt issue resolution.
- Processed mortgage loan applications, adhering to strict timelines and regulatory guidelines.
- Evaluated all financial details of loan applications for compliance and risk assessment.
Education
General Studies -
Phoenix Community College
Phoenix05.1996
Skills
- Mortgage and underwriting expertise
- Sales and customer service
- Multitasking and pressure management
- MS Office proficiency
- Team leadership
- Effective communication
- Attention to detail
Languages
Bilingual: fluent in Spanish both written and verbal.
Accomplishments
Played an instrumental part in keeping the Banks error rate below 3% by maintaining a 97% or better Q/C score
Timeline
Remote Mortgage Loan Underwriter
Loandepot
07.2020 - 08.2022
Remote Mortgage Loan Underwriter
Bank 34
12.2017 - 03.2019
Remote Underwriter
Caliber Home Loans
04.2012 - 01.2017
Mortgage Quality Specialist/Loan Specialist III
Metlife Home Loans
02.2009 - 04.2012
General Studies -
Phoenix Community College
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