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Education
Skills
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Margarita Martinez

Buckeye,AZ

Summary

Smart financial professional applies strong problem-solving and decision-making skills in job tasks. Self-motivated with good understanding of evaluating credit history, financial stability and risks. Diligent individual with strong work ethic. Top-notch Underwriter with solid experience in financial services. Proficient in determining level of risk for lenders using strong mathematical and statistical skills. Conscientious and committed to adhering to standards, underwriting guidelines and authority levels. Strategic Mortgage Underwriter with strong background in processing mortgages and loans. Assesses and evaluates risks with keen eye for coverage and pricing. Strong negotiation skills and dedicated to staying up-to-date with new market trends. Hardworking in Mortgage industry with over 14 years of experience. Excellent reputation for resolving problems and improving customer satisfaction. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

Overview

16
16
years of professional experience
1
1
Language

Work History

Lead Underwriter

Wells Fargo Home Mortgage
06.2022 - Current
  • Lead complex initiatives with broad impact and act as key participant in the development of projects for underwriting.
  • Approve complex loans in excess or regional,state,business unit credit officer authority levels.
  • Analyze, review, and use critical,thinking skills to make decisions on product within company and industry guidelines.
  • Effectively manage, and process, a pipeline of loans within strict timelines.
  • Collaborate and consult with professional and management to resolve problems and achieve objectives.
  • Ensure conformity with bank policies and procedures.
  • Evaluate complex process or task that may require research into the , cause an effect of challenges to protect or procedures.
  • Gathered data, and prepared format reports, while ensuring documents consistently met company and industry guidelines.

Mortgage Loan Underwriter

Wells Fargo Home Mortgage
08.2021 - 06.2022
  • Improved loan approval rates by meticulously reviewing and analyzing applicant financial documents.
  • Enhanced underwriting efficiency with thorough risk assessments and timely decisionmaking.
  • Reduced processing times for mortgage applications, ensuring prompt customer service and satisfaction.
  • Collaborated with loan officers to resolve discrepancies in application materials, streamlining the approval process.
  • Managed a diverse portfolio of mortgage applications, consistently meeting or exceeding established performance metrics.
  • Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
  • Approved or denied loans based on established criteria and underwriting guidelines.
  • Verified integrity of applicants' information to minimize fraud.
  • Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Monitored pipelines to track and log status of loans.
  • Analyzed potential risks and evaluated loan products to identify suitable options for customers.
  • Approved loan applications based on customer creditworthiness and provided detailed financial advice.

Senior Mortgage Loan Closer

Wells Fargo Home Mortgage
01.2017 - 08.2021
  • Streamlined mortgage closing process by implementing efficient loan management systems.
  • Reduced turnaround time for loan approvals, ensuring timely disbursement of funds to clients.
  • Increased client satisfaction rates by providing personalized guidance throughout the loan closing process.
  • Collaborated with underwriters and processors to resolve any discrepancies in loan documentation prior to closing.
  • Conducted detailed pre-closing audits, identifying potential issues that could delay or prevent successful loan closings.
  • Enhanced department productivity by training new staff members on loan closing procedures and best practices.
  • Improved efficiency of mortgage closings through regular communication with borrowers, brokers, and legal counsel.
  • Maintained compliance with federal and state regulations by conducting thorough reviews of all loan documents.
  • Expedited funding requests from title companies, facilitating faster completion of transactions for clients.
  • Ensured accuracy in preparation and distribution of necessary paperwork for real estate transactions during mortgage closings.
  • Managed a high volume of loans simultaneously while maintaining strict attention to detail and organization for each file.
  • Coordinated seamless communication between multiple departments within the organization, streamlining workflow processes for more efficient operations.
  • Overcame complex challenges during the loan closing process by leveraging extensive industry knowledge and problem-solving skills.
  • Served as primary point of contact for all parties involved in the mortgage closing process, fostering trust and strong relationships among stakeholders.
  • Implemented quality control measures to ensure accurate processing of financial data related to mortgage closings at every stage of the transaction lifecycle.
  • Negotiated favorable terms on behalf of clients during mortgage negotiations with external partners such as title companies.
  • Worked with underwriters to fix application problems and resolve issues.
  • Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
  • Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
  • Analyzed loan applications and credit reports to determine loan eligibility and risk level.

Home Equity Loan Processor

Wells Fargo Home Equity
06.2014 - 01.2017
  • Improved client satisfaction by accurately processing home equity loan applications in a timely manner.
  • Collaborated with underwriters to ensure accurate evaluations of loan risk and borrower eligibility.
  • Reduced application errors by thoroughly reviewing all documents for completeness and accuracy before submission.
  • Maintained strong relationships with clients, addressing concerns and providing updates on loan status throughout the process.
  • Streamlined communication between departments, ensuring smooth progress of loan applications from origination to closing.
  • Assisted borrowers in understanding complex financial information, simplifying the home equity loan process for them.
  • Managed multiple loan files concurrently, prioritizing tasks to meet tight deadlines without sacrificing quality.
  • Increased efficiency by implementing new software tools for document management and data entry in the processing workflow.
  • Stayed up-to-date on industry regulations and guidelines, ensuring compliance in all aspects of home equity loan processing.

Mortgage Loan Processor

Wells Fargo Home Mortgage
02.2012 - 11.2013
  • Improved loan processing time by streamlining the application review process and enhancing communication with clients.
  • Assisted underwriters in approving loans by verifying financial information and ensuring accurate documentation.
  • Reduced loan application errors by implementing a thorough quality control process for all submitted applications.
  • Enhanced client satisfaction by providing timely updates on their mortgage loan status and addressing concerns promptly.
  • Facilitated smooth closing processes by collaborating effectively with title companies, appraisers, and attorneys.
  • Increased accuracy of loan data entry by implementing a standardized template for collecting borrower information.
  • Expedited mortgage approval times by proactively resolving any discrepancies in borrower documentation.
  • Ensured compliance with federal lending regulations through meticulous attention to detail during the loan processing phase.

Apartment Leasing Agent

MEB Management
03.2008 - 02.2012
  • Increased tenant satisfaction by promptly addressing maintenance requests and resolving issues in a timely manner.
  • Enhanced community engagement with the organization of various events, fostering a positive living environment for all residents.
  • Streamlined leasing processes by implementing efficient record-keeping methods, ensuring accurate documentation and reducing errors.
  • Improved overall occupancy rates by conducting thorough market research to identify competitive pricing strategies and marketing techniques.
  • Developed strong relationships with potential tenants through personalized tours, providing detailed information about available units, amenities, and community features.
  • Negotiated lease terms on behalf of both property owners and prospective tenants, resulting in successful agreements that met each party''s needs.
  • Maintained up-to-date knowledge of local housing regulations to ensure compliance with all applicable laws and guidelines.

Education

High School Diploma -

Graduation Alliance
Utah
05.2023

Skills

  • Sales Support
  • Training and mentoring
  • Portfolio Management
  • Data Interpretation
  • Underwriting proficiency
  • Decision Making Aptitude
  • Analyzing data
  • Loss Protection
  • Policy renewal
  • Risk Mitigation
  • Risk Management
  • Credit analysis
  • Underwriting guidelines
  • Application Review
  • Quality Control
  • Quality Assurance
  • Risk Assessment
  • Data Collection
  • Self Motivation
  • Attention to Detail
  • Task Prioritization
  • Decision-Making
  • Excellent Communication
  • Team Collaboration
  • Multitasking Abilities
  • Adaptability and Flexibility
  • Problem-solving aptitude
  • Problem-Solving
  • Active Listening
  • Goal Setting
  • Reliability
  • Analytical Thinking

Quote

Judge a man by his questions rather than his answers.
Voltaire

Work Availability

monday
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Timeline

Lead Underwriter

Wells Fargo Home Mortgage
06.2022 - Current

Mortgage Loan Underwriter

Wells Fargo Home Mortgage
08.2021 - 06.2022

Senior Mortgage Loan Closer

Wells Fargo Home Mortgage
01.2017 - 08.2021

Home Equity Loan Processor

Wells Fargo Home Equity
06.2014 - 01.2017

Mortgage Loan Processor

Wells Fargo Home Mortgage
02.2012 - 11.2013

Apartment Leasing Agent

MEB Management
03.2008 - 02.2012

High School Diploma -

Graduation Alliance

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Margarita Martinez