Summary
Skills
Work History
Education
Certification
Overview
References
System Experience
References
Generic
Maria Sena

Maria Sena

Highlands Ranch,CO

Summary

Dynamic mortgage operations leader with extensive expertise in loan origination, processing, underwriting, closing, servicing, and compliance. Successfully streamlined workflows and automated processes to enhance efficiency in high-volume environments. Proficient in team leadership, risk management, and regulatory adherence, complemented by a strong skill set in optimizing pipeline management and enhancing loan quality. Committed to delivering superior service and fostering collaboration to meet organizational goals.

Skills

  • Mortgage Operations & Loan Servicing
  • Compliance & Regulatory Adherence
  • Conforming & Non-Conforming Loans
  • FHA, VA, USDA
  • Risk Management & Quality Control
  • Data Accuracy & Analysis
  • Workflow Optimization and Process Automation
  • Team Leadership & Training
  • Six Sigma Approach
  • Business Forecasting & Cost Reduction
  • Client Relations and Conflict Resolution

Work History

Mortgage Operations Leader

TOYOTA/LEXUS FINANCIAL SAVINGS BANK-MAGNIT
Denver, CO
11.2022 - Current
  • Manage mortgage operations for a $2B+ annual loan portfolio, overseeing origination, underwriting, processing, closing, and servicing.
  • Streamlined workflows and automated 45% of processes, reducing loan cycle time and improving efficiency.
  • Maintain a 98% service level by optimizing pipeline management, training teams, and enforcing risk controls.
  • Underwrite mortgage applications, assess borrower qualifications, and issue decisions for non-delegated underwriters.
  • Support loan officers by structuring complex loan products, performing pre-qualification reviews, and ensuring a smooth loan process.
  • Ensure compliance with federal and state mortgage regulations, mitigating risks and improving audit readiness.
  • Implemented a new Loan Origination System (LOS), increasing productivity and cost efficiency.
  • Use KPIs to enhance decision-making and improve overall department performance.
  • Lead audit preparation and responses, ensuring successful FDIC audit outcomes.
  • Oversee mortgage servicing, including loan boarding, escrow disbursement, lender-paid insurance, recasts, modifications, and delinquency management.

Director of Mortgage Operations

COMPUTERSHARE LOAN SERVICES
Denver, CO
02.2015 - 10.2022
  • Managed mortgage fulfillment for $20B in annual loan volume, ensuring efficient loan origination, underwriting, processing, closing, and servicing.
  • Increased loan production by 35% by refining processes, improving accountability, and enhancing team performance.
  • Reduced loan cycle time by 25% through automation, technology upgrades, and process improvements.
  • Resolved processing delays by proactively identifying issues and coordinating with internal and third-party teams.
  • Collaborated with cross-functional teams to achieve project goals.
  • Led budget management and cost-saving initiatives to improve efficiency and profitability.
  • Hired and trained new team members, improving overall department performance.

Mortgage Loan Processing Manager

THE MORTGAGE COMPANY
Denver, CO
04.2013 - 01.2015
  • Processed residential mortgage applications, verifying income, assets, and employment history.
  • Coordinated with borrowers, loan officers, and third parties to resolve loan issues and answer questions.
  • Played a key role in reducing loan processing time by 15% through improved workflows and communication.
  • Reviewed credit reports, income statements, and assets to assess loan eligibility, and ensure compliance.

Mortgage Servicing Recovery and Loss Mitigation Manager

SPECIALIZED LOAN SERVICING
Denver, CO
08.2012 - 04.2013
  • Managed mortgage servicing, including payment processing, escrow management, and account maintenance.
  • Ensured compliance with federal and state mortgage servicing regulations (RESPA, TILA, CFPB, FHA, VA, USDA).
  • Handled loan modifications, forbearance plans, short sales, and foreclosure processes per investor guidelines.
  • Trained and mentored service teams, improving compliance and efficiency.

Recovery Manager

STATE EMPLOYEES CREDIT UNION
Santa Fe, NM
03.2009 - 07.2012
  • Managed collections team performance, setting goals and tracking KPIs.
  • Worked with legal teams on repossessions, foreclosures, and charge-offs.
  • Negotiated payment plans and settlements for delinquent accounts.
  • Monitored accounts to ensure timely payments and minimize delinquencies.

Education

Some College (No Degree) - Business Management

Arizona State University
Tempe, AZ

Certification

  • NMLS License #1376062

Overview

16
16
years of professional experience
1
1
Certificate

References

References available upon request.

System Experience

  • Loan Origination & Servicing Systems: Calyx Path & Point, Mortgage Cadence, Encompass, OpenClose, Black Knight MSP, Global Teller, BeSmartee, Salesforce, Fiserv
  • Compliance and Risk Management: Compliance Eagle, Mavent, FraudGuard, WolfPac, Wolters Kluwer
  • Data and Process Optimization: JIRA, QTest

References

References available upon request.

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Maria Sena