Marisa Valdez
Claremont,CA
Summary
Professional with strong expertise in credit analysis and risk assessment. Proven ability to streamline processes, enhance client relationships, and mitigate financial risks. Strong focus on collaboration and flexibility to adapt to changing business needs. Adept at financial reporting, regulatory compliance, and utilizing analytical tools to drive impactful results.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Residential Mortgage Credit Officer
Citizens Business Bank
Ontario, CA
01.2025 - Current
- Evaluated credit applications, ensuring compliance with bank policies and risk management guidelines.
- Analyzed financial statements to assess creditworthiness of individuals and businesses.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Developed relationships with clients to enhance customer satisfaction and retention rates.
- Collaborated with underwriting teams to streamline credit approval processes and improve turnaround times.
Loan Servicing Representative
Community Commerce Bank
Claremont, CA
02.2024 - Current
- Managed loan payment processing, maintaining accurate records in the bank's servicing system.
- Responded promptly to inquiries from both internal teams and external clients regarding loan servicing matters, ensuring resolutions were reached in a timely manner.
- Ensured data integrity within the servicing platform by performing routine audits and reconciliations of loan records.
Senior Mortgage Loan Underwriter
Wells Fargo Home Mortgage
San Bernardino, CA
08.2005 - 05.2023
- Evaluated complex mortgage applications to determine risk and compliance with underwriting guidelines.
- Analyzed financial documents to assess borrower creditworthiness, ensuring adherence to industry regulations.
- Maintained a deep understanding of market trends and regulatory updates to inform decision-making during the underwriting process.
- Collaborated with loan processors and originators to expedite the loan approval process while maintaining high-quality standards.
- Mentored junior underwriters, enhancing team efficiency and accuracy in loan evaluations.
Education
High School -
El Rancho High School
Pico Rivera, CA04.1985
Skills
- Customer relations
- Credit analysis
- Documentation management
- Financial statement review
- Collateral risk
- Creditworthiness determination
- Loan underwriting
- Compliance assessments
- Risk assessment
- Quality controls
Certification
NMLS #1523418
LANGUAGES
Spanish: Professional
Timeline
Residential Mortgage Credit Officer
Citizens Business Bank
01.2025 - Current
Loan Servicing Representative
Community Commerce Bank
02.2024 - Current
Senior Mortgage Loan Underwriter
Wells Fargo Home Mortgage
08.2005 - 05.2023
High School -
El Rancho High School