Maria Alvarado
Olathe,KS
Summary
Professional with strong analytical skills and background in financial assessment. Adept at evaluating creditworthiness and managing risk, bringing high level of precision to financial analysis and reporting. Known for effective team collaboration and flexibility, ensuring reliable support in dynamic environments. Proficient in financial modeling, credit risk analysis, and market research, with focus on achieving measurable results.
Overview
6
6
years of professional experience
Work History
Credit Analyst / Initial Underwriter
Global Equity Finance
01.2022 - Current
- Conducted comprehensive financial analysis of borrower credit profiles, income, assets, and liabilities to assess loan eligibility and risk.
- Performed initial loan underwriting on residential mortgage applications in alignment with investor and regulatory guidelines (Fannie Mae, Freddie Mac, FHA, VA, and non-QM).
- Prepared and presented credit decision recommendations to senior underwriters and loan officers, ensuring timely and accurate pre-approvals.
- Reviewed credit reports, tax returns, pay stubs, and bank statements to verify borrower qualifications and detect potential red flags.
- Collaborated with loan officers, processors, and clients to gather required documentation and resolve underwriting conditions.
- Ensured compliance with internal policies, lending regulations, and anti-fraud measures while maintaining high loan quality standards.
- Contributed to faster loan processing by streamlining analysis workflows and improving turnaround time on initial credit assessments.
Loan Processor
Global Equity Finance
02.2021 - 01.2022
- Managed mortgage loan files from application through underwriting and closing, ensuring all required documentation was collected, verified, and submitted on time.
- Reviewed borrower income, assets, credit, and property details to validate compliance with investor and agency guidelines (Fannie Mae, Freddie Mac, FHA, VA, and non-QM).
- Coordinated between loan officers, underwriters, title companies, and borrowers to resolve conditions and move loans efficiently through the pipeline.
- Maintained accurate and complete loan files in LOS systems (Encompass, Calyx, and MeridianLink), ensuring compliance with RESPA, TRID, and federal lending regulations.
- Proactively communicated with clients and Loan Officers to provide status updates, request missing documents, and ensure a smooth loan experience.
- Identified potential issues early in the process, mitigating risks and reducing underwriting delays.
- Consistently met or exceeded processing turn-time goals, contributing to higher closing ratios and stronger client satisfaction.
- Recognized for attention to detail, ability to manage multiple files under tight deadlines, and strong knowledge of mortgage compliance standards.
Transaction Coordinator
Global Equity Finance
12.2019 - 02.2021
- Managed the smooth flow of mortgage transactions by reviewing disclosures, coordinating documentation, and supporting pipeline progression from application through closing.
- Ordered and tracked essential documents, including title reports, employment verifications, homeowners insurance, and appraisal reports.
- Reviewed initial disclosures and appraisal findings to ensure compliance and accuracy while scheduling required home inspections.
- Served as a key communication hub, maintaining consistent contact with loan officers, processors, underwriters, and the operations team to resolve issues and meet deadlines.
- Verified borrower and property information, ensuring accuracy and compliance with company policies and lending regulations.
- Maintained meticulous attention to data integrity and documentation standards, reducing errors and supporting successful closings.
- Supported processors and loan officers with administrative tasks, performing functions similar to a junior loan processor to improve workflow efficiency.
Education
High School Diploma -
Patrick Henry High School
San Diego, CAAssociate of Applied Science - Automotive Technician
San Diego College of Continuing Education
San Diego, CA06-2018
Skills
- Credit Analysis & Risk Assessment
- Initial Loan Underwriting (Conventional, FHA, VA, Non-QM)
- Income, Asset & Liability Verification (W-2, 1099, Self-Employed, Tax Returns)
- Credit Report Review & Analysis (FICO, tradelines, debt-to-income ratios)
- Mortgage Loan Origination Systems (LOS: Encompass, Calyx, MeridianLink)
- Knowledge of Investor & Agency Guidelines (Fannie Mae, Freddie Mac, FHA, VA)
- Compliance with RESPA, TRID, and Federal Lending Regulations
- Loan Documentation Review & Condition Clearing
- Financial Statement Analysis & Fraud Detection
- Pipeline Management & Turn-Time Efficiency
- Strong Attention to Detail & Data Accuracy
- Client Communication & Problem-Solving Skills
Languages
Spanish
Native or Bilingual
Timeline
Credit Analyst / Initial Underwriter
Global Equity Finance
01.2022 - Current
Loan Processor
Global Equity Finance
02.2021 - 01.2022
Transaction Coordinator
Global Equity Finance
12.2019 - 02.2021
High School Diploma -
Patrick Henry High School
Associate of Applied Science - Automotive Technician
San Diego College of Continuing Education
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