Maria Valdez
Santa Paula,CA
Summary
Experienced senior mortgage underwriter skilled at detecting fraud and professional negligence. Over 18 years of industry experience. Highly motivated and eager to take on new challenges. Excellent interpersonal skills; fluent in English and Spanish. Proven ability to work autonomously and quickly learn new skills. Extensive background in underwriting FNMA/FHLMC (Jumbo & Conforming) loan programs and conducting QC audits. Well-versed in FHA/VA/USDA/Reverse Mortgage, as well as Conventional Conforming and Jumbo products. A self-starter who thrives in a fast-paced environment excels at communication, prioritization, and time management, as well as effective collaboration with investors and colleagues.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Certified Nurse Assistant
Santa Paula Post Acute Center
08.2023 - Current
- Enhanced patient care by providing daily assistance with bathing, dressing, and grooming.
- Collaborated with nursing staff to promptly address any concerns or emergencies, prioritizing patient safety and well-being at all times.
- Contributed to a sanitary environment by adhering to strict infection control protocols when cleaning rooms and equipment.
- Boosted overall patient satisfaction through genuine empathy, active listening skills, and consistent professionalism in all interactions.
- Answered call lights and supported patient comfort and safety by adjusting bed rails and equipment.
- Delivered individualized patient care by recording vital signs, documenting observations, administering treatments, and evaluating patient needs.
- Assisted with feeding and monitored intake to help patients achieve nutritional objectives.
- Changed linens in rooms, keeping spaces fresh and clean for patient health and satisfaction.
- Maintained accurate records of vital signs, fluid intake, and output for effective patient monitoring.
- Assisted patients during meal times, ensuring they received proper nutrition according to specific dietary requirements.
- Supported needs of 9+ residents under long-term care.
Sr. Mortgage Underwriter
HCL Lending Solutions, LLC.
05.2020 - 03.2023
- Analyzed loan risk and reviewed loan conditions and requirements.
- Collaborated with loan originators and processors to correctly review and assess applications and risks.
- Evaluated loans against portfolio and investor guidelines.
- Collaborated with company teams to expedite loan approval processes.
- Updated client account information and records in company databases.
- Processed loan applications and monitored progress from start to finish.
- Evaluated loan applications, determining creditworthiness, assessing risk, and establishing loan conditions.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Analyzed and verified applicant income, assets, and credit history to support compliance with underwriting guidelines.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Demonstrated sound decision-making in approving or denying loans based on comprehensive assessments of borrower's creditworthiness and risk factors.
- Conducted post-closing reviews to ensure accuracy in documentation and compliance with lending guidelines.
- Maintained high levels of customer satisfaction by providing timely responses to inquiries and addressing concerns promptly.
- Enhanced loan quality by meticulously reviewing and analyzing complex financial documents, credit reports, and appraisals.
- Managed diverse portfolios of mortgage applications, consistently meeting strict deadlines while maintaining attention to detail.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Verified integrity of applicants' information to minimize fraud.
Non-QM Sr. Mortgage Underwriter
Athas Capital Group, Inc.
05.2017 - 03.2020
- Reviewed borrower profiles, including credit reports, income documentation, assets, and complex business tax returns.
- Processed loan applications and monitored progress from start to finish.
- Managed pipeline.
- Complete underwriting reviews and tasks within timeframe specified, as well as track and log loan status.
- Communicated with applicants, processors, and sales team members to provide updates and clarifications on outstanding conditions.
- Utilized financial statements to calculate debt-to-income ratios to determine eligibility for loans.
- Reviewed titles and appraisals to ensure they met insurer and guarantor guidelines.
- Approved or denied loan applications and explained reasoning behind decisions.
- Resolved document mistakes and discrepancies and identified signs of fraudulent activity.
- Updated client account information and records in company databases.
- Maintained high levels of customer satisfaction by providing timely responses to inquiries and addressing concerns promptly.
- Enhanced loan quality by meticulously reviewing and analyzing complex financial documents, credit reports, and appraisals.
- Managed diverse portfolios of mortgage applications, consistently meeting strict deadlines while maintaining attention to detail.
Sr. Mortgage Underwriter
First American Financial
02.2009 - 04.2017
- Analyzed loan risk and reviewed loan conditions and requirements.
- Reviewed title and appraisal to insure property meets insurer and guarantor guidelines.
- Collaborated with loan originators and processors to correctly review and assess applications and risks.
- Evaluated loans against portfolio and investor guidelines.
- Approved or denied loan applications and explained reasoning behind decisions.
- Collaborated with company teams to expedite loan approval processes.
- Updated client account information and records in company databases.
- Processed loan applications and monitored progress from start to finish.
- 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.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Demonstrated sound decision-making in approving or denying loans based on comprehensive assessments of borrower's creditworthiness and risk factors.
- Conducted post-closing reviews to ensure accuracy in documentation and compliance with lending guidelines.
- Maintained high levels of customer satisfaction by providing timely responses to inquiries and addressing concerns promptly.
- Enhanced loan quality by meticulously reviewing and analyzing complex financial documents, credit reports, and appraisals.
- Managed diverse portfolios of mortgage applications, consistently meeting strict deadlines while maintaining attention to detail.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Verified integrity of applicants' information to minimize fraud.
Education
GED -
Santa Paula High School
Santa Paula, CA07.1988
Skills
- Microsoft
- Excel
- Word
- Desktop Underwriter
- Clues
- Lending QB
- Encompass
- Blue Sage
- FHA Connection
- Outlook
- 10 key by touch
- Typing 40 wpm
- Patient Care
Certification
- Certified Nurse Assistant
- Certified Home Health Aide
- AED Certification
- CPR Certification
- BLS Certification
References
Available upon request
Honors and awards
"Exceptional Performance" rating for quality, customer relationships and teamwork.
Timeline
Certified Nurse Assistant
Santa Paula Post Acute Center
08.2023 - Current
Sr. Mortgage Underwriter
HCL Lending Solutions, LLC.
05.2020 - 03.2023
Non-QM Sr. Mortgage Underwriter
Athas Capital Group, Inc.
05.2017 - 03.2020
Sr. Mortgage Underwriter
First American Financial
02.2009 - 04.2017
- Certified Nurse Assistant
- Certified Home Health Aide
- AED Certification
- CPR Certification
- BLS Certification
GED -
Santa Paula High School
Similar Profiles
Hailey AlcalaHailey Alcala
Temporary Activities Director at Santa Paula Post AcuteTemporary Activities Director at Santa Paula Post Acute
Lovely Karl RiveraLovely Karl Rivera
Certified Nursing Assistant at Santa Maria Post Acute CenterCertified Nursing Assistant at Santa Maria Post Acute Center
Whitney ShibuyaWhitney Shibuya
Payroll/Accounts Payables Manager at Santa Clarita Post Acute Care CenterPayroll/Accounts Payables Manager at Santa Clarita Post Acute Care Center