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Bertina Lamping
San Antonio,Texas
Work Preference
Summary
Accomplished debt recovery and loss prevention professional with a strong track record in evaluating and closing complex portfolios. Demonstrated expertise in underwriting, risk analysis, and collections, consistently exceeding monthly collections of $300,000. Committed to compliance and delivering exceptional client service.
Overview
21
21
years of professional experience
Work History
Team Lead Collections Counselor
PenFed Credit Union
San Antonio, USA
02.2025 - Current
- Consistently collected over 300 thousand dollars each month, ranking as top collector on the floor.
- Enhanced training effectiveness for new hires by delivering expert guidance and support.
- Motivation counselors on their daily duties by setting up contests for competitions in meeting metrics.
- Documented all records in compliance with policies and regulations after counseling past due members.
Senior Quality Underwriting Analyst
PenFed Credit Union
San Antonio, USA
11.2021 - 11.2022
- Audited 6 to 10 loans daily by re-underwriting closed mortgages, preventing potential buybacks or repurchases.
- Balanced decision factors including debt ratios, property valuations, and feedback from attorneys, title companies, and government offices to inform underwriting decisions.
- Enhanced transparency for all parties involved, including applicants, loan officers, and executives, while maintaining privacy and minimizing risk and fraud exposure.
Senior Mortgage Loan Processor
PenFed Credit Union
San Antonio, USA
07.2019 - 11.2021
- Closed 30 to 45 loans a month, being one of the top processors on the floor.
- Functioned as the primary liaison for loan officers, underwriters, closers, attorneys, realtors, title companies, and members, coordinating efforts for clear closings.
- Reviewed originated loans and gathered documents from members and realtors to prepare mortgage files for seamless origination to closing.
- Reviewed income documents to identify and eliminate fraudulent submissions before underwriting.
- Ran calculations to make sure the debt-to-income ratio and LTV were met by regulations.
- Trained peers on using the Encompass system.
- SME for the new hire classes and lead in process improvements.
Mortgage Loan Processor
USAA Federal Savings Bank
San Antonio, USA
11.2016 - 06.2019
- Coordinated with loan officers, realtors, attorneys, appraisers, title companies, and applicants to ensure seamless processing of files from origination to closing.
- Coordinated with borrowers to gather necessary documentation.
- Reviewed loan applications for completeness and accuracy.
- Processed loan files using automated underwriting systems.
Senior Mitigation Underwriter
JP Morgan Chase
Columbus, USA
01.2005 - 10.2016
- Mitigated risk to the bank while keeping members in their home by restructuring 30 to 45 loans a month as one of the top underwriters.
- Executed loan modifications and repayment plans, providing tailored solutions for clients facing financial difficulties.
- Underwrote loans by extending the term of the loan and lowering the interest rates.
- Restructured delinquent mortgages, enhancing affordability for homeowners.
- Counsel members by reviewing their debt to income and advising them on how to budget and keep priority first.
Education
BA - Business Administration and Human Resources
Franklin University
Columbus, OH12-2005
Skills
- Debt recovery and loan servicing
- Policy compliance and document adherence
- Risk assessment and management
- Case management and performance monitoring
- Data analysis and quality auditing
- Team mentoring and coaching
- Effective communication skills
- Cross-functional collaboration
- Problem solving and workflow optimization
- Time management and goal setting
- Influencing and negotiation skills
- Pipeline management in mortgage underwriting
- Loan processing efficiency
- Customer relationship management
- Training facilitation and process improvement
- Attention to detail and loss prevention
Languages
English
Professional
Swahili
Professional
Timeline
Team Lead Collections Counselor
PenFed Credit Union
02.2025 - Current
Senior Quality Underwriting Analyst
PenFed Credit Union
11.2021 - 11.2022
Senior Mortgage Loan Processor
PenFed Credit Union
07.2019 - 11.2021
Mortgage Loan Processor
USAA Federal Savings Bank
11.2016 - 06.2019
Senior Mitigation Underwriter
JP Morgan Chase
01.2005 - 10.2016
BA - Business Administration and Human Resources
Franklin University