Summary
Overview
Work History
Education
Skills
Summary Of Experience
Certification
Languages
References
Timeline
Generic

MARIA GONZALES

Azle,Tx

Summary

Results-driven Real Estate Finance Risk & Controls Analyst at RBC Bank of Canada, skilled in risk assessment and compliance monitoring. Achieved significant improvements in workflow efficiency and customer satisfaction through strategic process enhancements. Demonstrated leadership and attention to detail in auditing and documentation, ensuring accuracy and regulatory adherence across multiple teams.

Overview

20
20
years of professional experience
1
1
Certification

Work History

Real Estate Finance Risk & Controls Analyst

RBC Bank of Canada
09.2023 - Current
  • Achieved efficient printing and delivery of Statement of Credit Denials.
  • Audited loan files for accuracy, ensuring compliance with regulations.
  • Supported implementation of Control Framework and Risk Control Policy across teams.
  • Conducted appraisal reconciliation to resolve discrepancies effectively.
  • Developed detailed technical documentation for all control system designs and updates.
  • Tested and validated new process control systems prior to implementation.

Loan Action Specialist/Sr. Post-Closing Auditor

Colonial Savings Bank
Fort Worth, TX
11.2014 - 09.2023
  • Conducted audits of loan files and final documents to ensure compliance and accuracy.
  • Collaborated with departments to enhance workflow efficiency.
  • Developed strategies that improved customer satisfaction levels.
  • Reviewed documents for accuracy before submission or publication.
  • Implemented process improvements to boost efficiency and lower costs.
  • Cultivated positive relationships with staff and management for better teamwork.

Sr. Loan Processor

Omni American Bank
Fort Worth, TX
06.2012 - 11.2014
  • Conducted pipeline reviews of 20 to 30 loan files monthly, funding at least 15 units.
  • Maintained correspondence with realtors, builders, title agents, borrowers, and vendors.
  • Obtained and verified documentation to ensure compliance with FHA, VA, CONV, and USDA guidelines.
  • Submitted complete loan files to underwriting for approval.
  • Reviewed 'Statement of Denials' for accuracy and compliance, delivering findings to borrowers.
  • Performed quality assurance audits, concluding with concise and well-supported findings.
  • Provided support and solutions to subordinate associates during audits.
  • Updated loan processing software with validated information and maintained compliance knowledge.

REO Title Specialist/Onsite Coordinator

Lending Processing Services (LPS)
Fort Worth
03.2010 - 06.2012
  • Processed daily tasks using LPS desktop, Equator.com, and Outlook for efficient management.
  • Researched and resolved escalated title matters to ensure prompt resolutions.
  • Initiated and completed title claims in collaboration with LPS Special Assets Team.
  • Filed title claims directly through title companies to expedite processing.
  • Provided requested documents, including title policies, for thorough research.
  • Delivered Power of Attorney documentation to closing agents as required.
  • Investigated potential invalid foreclosure issues to mitigate risks.
  • Facilitated necessary support between LPS and Saxon firm for seamless operations.

Title Processor

Workway - Temporary Agency
Fort Worth, TX
08.2009 - 02.2010
  • Resolved title issues through meticulous research and tracking.
  • Assisted customers with inquiries on closing or title policies.
  • Coordinated with clients and lenders to secure essential documentation.
  • Investigated discrepancies in title searches, ensuring accuracy.
  • Maintained organized records for audits and future reference.
  • Examined documents for authenticity before local government recording.

Receptionist/Escrow and Accounting Assistant

The Jackson Law Firm
Fort Worth, TX
02.2008 - 07.2009
  • Promoted from receptionist to escrow and accounting assistant due to performance excellence.
  • Managed wire services for incoming and outgoing transactions efficiently.
  • Posted earnest money and disbursements to maintain accurate records.
  • Updated clients on account status to ensure transparency and satisfaction.
  • Assisted office manager and staff with administrative tasks as needed.
  • Prepared closing files to facilitate smooth transaction processes.
  • Distributed daily closing reports to relevant personnel for operational awareness.
  • Closed files on a daily basis to uphold organization standards.

Escrow Accounting

North American Title
Fort Worth, TX
03.2005 - 02.2008
  • Assisted manager with order entry, surveys, HOA statements, and ICLS documentation.
  • Prepared files for closing transactions efficiently.
  • Drafted initial settlement statements in compliance with regulations.
  • Collaborated with lenders to facilitate smooth closing processes.
  • Disbursed funds accurately to ensure timely transactions.
  • Translated closing documents for Spanish-speaking customers to enhance communication.

Education

GED -

Adult Education Center
Dallas, TX
06-1993

Skills

  • Active listening
  • Risk assessment
  • Quality assurance
  • Customer service
  • Team collaboration
  • Compliance monitoring
  • Documentation review
  • Attention to detail
  • Leadership skills
  • Internal and external communication

Summary Of Experience

A HIGHLY EXPERIENCED PROFESSIONAL WITH A BROAD BAND OF MORTGAGE EXPERIENCE. DIVERSE BACKGROUND INCLUDES MORTGAGE LENDING, AUDITING, PROCESSING, ESCROW AND TITLE CLOSING. LEAD FROM THE FRONT AND UNDERSTAND THE IMPORTANCE OF RELATIONSHIP BUILDING, ACCOUNTABILITY, DEVELOPING AND TEAMWORK.

Certification

  • Public Notary

Languages

Spanish
Professional

References

References available upon request.

Timeline

Real Estate Finance Risk & Controls Analyst

RBC Bank of Canada
09.2023 - Current

Loan Action Specialist/Sr. Post-Closing Auditor

Colonial Savings Bank
11.2014 - 09.2023

Sr. Loan Processor

Omni American Bank
06.2012 - 11.2014

REO Title Specialist/Onsite Coordinator

Lending Processing Services (LPS)
03.2010 - 06.2012

Title Processor

Workway - Temporary Agency
08.2009 - 02.2010

Receptionist/Escrow and Accounting Assistant

The Jackson Law Firm
02.2008 - 07.2009

Escrow Accounting

North American Title
03.2005 - 02.2008

GED -

Adult Education Center

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