Summary
Overview
Work History
Education
Skills
Accomplishments
Languages
Timeline
Awards
Training
Hi, I’m

Reina Corea

Tracy,CA
Reina Corea

Summary

Loan processing professional with proven track record of streamlining loan approval processes and ensuring regulatory compliance. Known for strong team collaboration and achieving results in fast-paced environments. Expertise in documentation, customer service, and adaptability to changes need. Expert problem solver and organizer, offering 20 + years history of successful loan and mortgage processing. Moreover, highly effective at coordinating documents and processes between departments, individuals and government offices.

Versatile loan processing professional specializing in customer service and bank standards. Excellent communicator and decision maker with a strong eye for detail and a proactive nature.

Overview

25
years of professional experience

Work History

Innova/Patelco CU

Sr. Loan Processor/closing QC
10.2025 - 10.2025

Job overview

  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
  • Prepared documents for underwriting by verifying client income, credit reports, and other information.
  • Coordinated closing process with attorneys, title companies, and government clerks.
  • Implemented quality control measures that resulted in reduced discrepancies within client files.
  • Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
  • Enhanced customer satisfaction with timely and accurate loan processing, maintaining clear communication throughout the process.
  • Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
  • Collaborated with underwriting team to ensure accurate risk assessment and appropriate loan approvals.
  • Provided quick turnaround times to maintain fast-past schedule.
  • Conducted thorough borrower credit analysis to accurately assess financial stability and minimize default risks.
  • Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
  • Coordinated seamlessly with sales teams to ensure proper alignment of expectations and timelines between clients and internal departments.
  • Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
  • Organized detailed records of completed loans for easy retrieval during audits or reviews.
  • Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
  • Utilized loan origination software to process and track loan applications.
  • Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.

Wells Fargo Bank, NA

Home Mortgage Assistant
04.2020 - 02.2024

Job overview

  • Managed a pipeline of 12 to 15 active loans during high seasons and 20 to 30 non active loans (Pre-approvals).
  • Assisted and coordinated internal parties involved in the loan application process, including mortgage Loan Officers, Underwriters, and realtors.
  • Gathered information foe new loan underwriting, including credit reports, tax fillings, business entity searches, and title work.
  • Served as an ongoing point of contact for clients, helping them collect required information and complete any necessary documents throughout the loan process.
  • Ensured loan documentation compliance with Federal and State requirements.
  • Accepted and reviewed loan applications, answered clients questions, filed necessary paper work, made initial contact and followed up with potential clients.
  • Reviewed delinquent accounts and attempt to collection debts.
  • Managed closing paper work and ensure property filling.

Wells Fargo Bank, NA

Senior Loan Processor
01.2018 - 04.2020

Job overview

  • Processes non-conforming loans.
  • Manage a pipeline from 35 to 40 loans with the fastest turnaround time of 10 days for purchase loans and 15 days for refinances.
  • Review quality documentations such as: income, assets, credit report
  • RUS income, paystubs, W2s and 1040s, familiar with self-employment income.
  • Track down large deposit and paper trail large withdraw for domestic and foreign assets insuring enough assets are in the file for qualifications.
  • Addresses any derogatory credit, including revolving/installments history. Additionally, clears fraud alerts, addresses any discrepancy before the underwriter looks at the file.
  • Keeps flawless Communication with borrowers, sales partners and team management through the process of each loan.
  • Contact third parties for proof of home insurance and escrow items including payoffs.
  • Familiar with condominium process, trust certifications and flood insurances.

TIAA, FSB/EverBank

Loan Processor III
11.2015 - 11.2017

Job overview

  • Processes Conventional, FHA and VA loans.
  • Manage a pipeline of 24 loans with the fastest turnaround time of 10 days funding.
  • Review assets, credit, income, and employment to insure quality of file submission for approval.
  • Run DU, LP.
  • Communicate with borrower on loan approvals.
  • Collect outstanding conditions from borrower.
  • Run Fraud Guard, AKA reports on every loan.
  • Request update insurance and run internal insurance calculation to insure adequacy of insurance.
  • Review appraisal and request corrections if needed.
  • Provide updates of loan status to borrowers and Loan Officers.
  • Work with Sales hand by hand to insure file meets the closing date.
  • Update internal conversation log through the process of the Loan.

CMG Mortgage, LLC

Legal Auditor/Funder (Secondary Marketing)
06.2013 - 11.2015

Job overview

  • Audit 6 to 7 loans per day and communicate audit decisions to sellers.
  • Review and satisfy conditions of sellers while complying with RASPA and TIL guidelines.
  • Provide legal quality control prior to purchase of secondary loan packages.
  • Review loan documents for accuracy and revise to comply with GFE and Disclosure requirements.
  • List outstanding items remaining after review of new loans and make necessary corrections.
  • Insure accuracy of loan fees and compliance with QM/Safe Harbor/HPML terms.
  • Review HUD 1 and reconcile all fees and figures relating to each loan in a timely manner.
  • Follow loan checklist order as conditions are signed off and new information is received.
  • Complete funding fields in Data Track (internal system)

Wells Fargo Mortgage

Home Loan Associate Assistant / Sr. Loan Processor
11.2011 - 06.2013

Job overview

MetLife Mortgage, Mountain View, CA

Loan Processor Assistant (Contract)
10.2011 - 11.2011

Job overview

U S Bank Mortgage, Campbell, CA

Loan Processor/Junior Underwriter (Contract)
10.2010 - 02.2011

Job overview

Paramount Apartments, San Francisco, CA

Affordable Housing Coordinator Assistant (Contract)
05.2010 - 07.2010

Job overview

Wells Fargo Mortgage, Concord, CA

Loan Processor Assistant
10.2009 - 11.2009

Job overview

Wachovia Mortgage, San Leandro, CA

Payoff Specialist (Contract)
09.2008 - 03.2009

Job overview

World Savings (Wachovia), San Leandro, CA

Mortgage Underwriter, Equity Line of Credit Department
11.2004 - 10.2007

Job overview

  • Responsible for Portfolio Underwriting of standalone Equity Lines of Credit with signing authority of $150K. Managed an underwriting pipeline of 60 loans monthly (approval to commitment).
  • Produced approximately $140M in funded loans per year.
  • Underwrote 60 loans per month and funded an average of 25 loans per month.
  • Recognized eight times for the fastest funding in less than 8 days.
  • Delivered value and quality to individual customers by “case by case” decision making and adhering to company standards and guidelines. Stayed current with changes in underwriting guidelines and loan products.
  • Underwrote according to MI guidelines 40 high-risk portfolio loans (over 80% - 95% LTV) per month with minimal supervision and signing authority for up to $150,000 per loan.
  • Communicated effectively with loan officers regarding loan packages, loan decisions. Escalated issues to senior management when warranted.
  • Reviewed and analyzed borrower loan requests, loan applications, reconciled credit reports and any additional research findings. Made loan decisions based on company guidelines, policies and procedures.
  • Qualified borrowers based on traditional and self-employed income.
  • Reviewed appraisals and insured compliance with collateral guidelines.
  • Processed underwriting decisions in a proprietary database; delivered files to appropriate Loan Closing Specialists; and updated centralized tracking system throughout underwriting/loan process.

Senior Loan Processor/Loan Closing Specialist
01.2001 - 11.2004

Job overview

  • Processed up to 10 mortgage loans per day. Provided Quality Control to ensure compliance with company policies and procedures, and Federal and State regulations.
  • Served as interim manager when management team had offsite meetings. Supervised and supported 10 loan processors.
  • Communicated and worked with Underwriting Managers, Loan Representative Managers, Loan Representatives, and Underwriters to collect accurate information from borrowers. Reconciled documents with LOIS internal processing system.
  • Oversaw and processed assigned loans. Worked on loan packages with Loan Representatives and borrowers, and resolved issues in a timely manner.
  • Educated borrowers throughout loan process and provided customer service to fund 45+ loans/month.
  • Worked with management, loan representatives and title specialists to resolve customer service, title, and processing issues.
  • Closed all loans within 8 days and achieved fastest turnaround in loan department. Met and exceeded all production goals and turnaround time expectations.
  • Addressed, and resolved with management, loan issues more than 30 days old.

Education

University of Mobile
Nicaragua

Bachelor of Science from Management
01.1999

University Overview

Skills

  • MS Word, Excel, Power Point, Outlook; Data Track, ALPS, LOIS, LIS, Net Oxygen, Loan Prospect, and Lender Power (Loan processing programs), Encompass
  • Strong attention to detail
  • Effective time management
  • Application preparation
  • Clear communication
  • Documentation review
  • Adaptability to change
  • Continuing education commitment
  • Information verification
  • Regulatory compliance
  • Interpersonal relationship building
  • Financial document review
  • Team collaboration strengths
  • Pipeline management Know-how
  • Reviewing financial paperwork
  • Loan origination system usage
  • Verifying information
  • Gathering appraisals
  • Advanced organizational skills
  • Fraud detection awareness
  • Processing documents
  • Loan processing proficiency
  • Title review
  • Credit evaluation
  • Quality control adherence
  • Decision-making confidence
  • Customer service

Accomplishments

Accomplishments
  • 23 years professional experience originating, processing, underwriting, and funding real estate loans.
  • Managed multiple tasks while providing quality control for loan packages.
  • Delivered quality and value to customers, and partnered with cross-functional teams to increase corporate revenues.
  • Applied analytical and problem solving skills to business scenarios.
  • Functioned independently to meet deadlines while collaborating effectively in a team environment.

Languages

Native Spanish

Timeline

Sr. Loan Processor/closing QC
Innova/Patelco CU
10.2025 - 10.2025
Home Mortgage Assistant
Wells Fargo Bank, NA
04.2020 - 02.2024
Senior Loan Processor
Wells Fargo Bank, NA
01.2018 - 04.2020
Loan Processor III
TIAA, FSB/EverBank
11.2015 - 11.2017
Legal Auditor/Funder (Secondary Marketing)
CMG Mortgage, LLC
06.2013 - 11.2015
Home Loan Associate Assistant / Sr. Loan Processor
Wells Fargo Mortgage
11.2011 - 06.2013
Loan Processor Assistant (Contract)
MetLife Mortgage, Mountain View, CA
10.2011 - 11.2011
Loan Processor/Junior Underwriter (Contract)
U S Bank Mortgage, Campbell, CA
10.2010 - 02.2011
Affordable Housing Coordinator Assistant (Contract)
Paramount Apartments, San Francisco, CA
05.2010 - 07.2010
Loan Processor Assistant
Wells Fargo Mortgage, Concord, CA
10.2009 - 11.2009
Payoff Specialist (Contract)
Wachovia Mortgage, San Leandro, CA
09.2008 - 03.2009
Mortgage Underwriter, Equity Line of Credit Department
World Savings (Wachovia), San Leandro, CA
11.2004 - 10.2007
Senior Loan Processor/Loan Closing Specialist
01.2001 - 11.2004
University of Mobile
Bachelor of Science from Management

Awards

Awards
Pride Award for Outstanding Performance, World Savings (Wachovia) – 2007

Training

Training
  • National Loan Training for Underwriting, World Savings (Wachovia) – 2004
  • COAH Programs (low income family loans), World Savings (Wachovia) – 2004
  • Loan Processing Training, World Savings (Wachovia) – 2002

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