Maria Y. Oviedo
Sr. Loan Processor
San Mateo,CA
Summary
Astute Sr. Loan Processor bringing over 20 years experience in the mortgage industry, and good customer service skills, as well as experience working in a high volume environment meeting stringent deadlines. Conscientious, resourceful, trustworthy and flexible; enjoy being a team player as well as taking leadership.
Overview
20
20
years of professional experience
Work History
Senior Loan Specialist
First Republic Bank
San Mateo
2012.Oct - Current
- Process and underwrite complex residential, bridge loans, commercial, retail, multi-units, unsecured and Heloc loans.
- Review set-up loan files for completeness and identify missing documentation and/or problems
- Analyze each loan file, ensuring the application, preliminary title report and verifications meet secondary market and loan program criteria and are accurately documented.
- Review loan files within the company's paperless system for completeness and proper classification/ organization and identify missing documentation or potential problems and generate needs lists for clients, Relationship Managers and Client Services Specialist
- Reviews applications and all pertinent disclosures to ensure compliance with all Federal, State, investor requirements and bank policies are met and upheld
- Communicate with Relationship Managers, and Client Services Specialist on collecting information and documentation necessary to finalize incomplete loan packages
- Maintains knowledge of loan product guidelines, internal policies and procedures, and regulatory requirements.
- Maintains an open line of communication and correspondence between involved parties.
- Manage loans through closing and funding stage. Work with escrow to satisfy all conditions and coordinate closings
- Meets productivity expectations in a fast paced, high volume environment with pipeline and conditions management, while maintaining good quality and client satisfaction results
- Prepare loan files for funding by reviewing the analysis for accuracy and by completing the Request for Documents form to ensure all regulatory information and loan terms are accurately input into the computer system to meet compliance requirements
- Perform duties & responsibilities specific to department functions & activities.
- Providing excellent customer service and ensuring the customer relationship is maintained and the highest possible level
- Responsibilities include the following: 1) adhering to and complying with the applicable, federal and state laws, regulations and guidance, including those related to Anti-money laundering (i.e. Bank Secrecy Act, US PATRIOT Act, etc.) 2) adhering to Bank policies and procedures, 3) completing required training, 4) identifying and reporting suspicious activity to the AML Officer, and 5) knowing and verifying the identity of any customer(s) that enters into a relationship with the Bank.
- Complete KYC Flightpath compliance for all loan types
- Assist in training new employees
- Utilize and apply FNMA lending guidelines and other industry compliance regulations.
Education
Business/Finance
Skyline College
San Bruno, CASkills
- Microsoft Excel, Microsoft Word, Point, Netoxygen and Encompass
- DU, LP, various lenders underwriting engines
- Working knowledge of FHA, Stanford & BMR loans, Bridge loans, Commercial retail, multi-units, and unsecured loans
- Loan documentation review and verification
- In-depth knowledge of real estate industry, loan underwriting and processing procedures
- Typing 50 wpm
- Ability to manage multiple concurrent deadlines
- Outstanding customer Service
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
swipe to browse
Timeline
Senior Loan Specialist
First Republic Bank
2012.Oct - Current
Business/Finance
Skyline College
Similar Profiles
Carlos GonzalezCarlos Gonzalez
Specialist 1 at First Republic BankSpecialist 1 at First Republic Bank
Sean SchwartzSean Schwartz
Senior Preferred Banker (March 2021 - July 2024), Preferred Banker (August 2015 - March 2021) at First Republic BankSenior Preferred Banker (March 2021 - July 2024), Preferred Banker (August 2015 - March 2021) at First Republic Bank
Rijka MilovanovskiRijka Milovanovski
Preferred Banker at First Republic BankPreferred Banker at First Republic Bank
Kimberly PungKimberly Pung
Automated Clearing House Operations Supervisor at First Republic BankAutomated Clearing House Operations Supervisor at First Republic Bank
Minli ZangMinli Zang
Senior Data Science Manager, Content & ML& Trust at PinterestSenior Data Science Manager, Content & ML& Trust at Pinterest