Rochelle Camarillo
Katy,TX
Summary
Experienced and highly accomplished professional. Demonstrating solid analytical skills along while
keeping a strong attention to detail and providing great customer service. Known for high production volume, communication, adaptability and willingness to help others in a team environment.
Overview
12
12
years of professional experience
Work History
Mortgage Loan Processor
Zions Bancorporation
06.2020 - Current
- Handled any conditions sent from underwriting departments.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Processed mortgage loan applications accurately and successfully for over three years.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
- Communicated with originator and applicant concerning progress of loan file.
Construction Loan Administrator
Zions Bancorporation
09.2018 - 06.2020
- Evaluated loan requests and documents to verify accuracy and completeness.
- Responsible for managing builder relationship, funding construction loan, reviewing construction documents, processing draws, requesting and reviewing inspections
- Managing receipt of permits, required insurance, surveys, elevation certificates, preparing lender disbursement statements, entering data such as journal entries and interest payments into lending system
- Working closely with residential lending department to communicate exceptions, issues timelines as well as managing builder review process.
Funding Analyst
Professional Alternatives, Cornerstone Home Lending
01.2016 - 11.2017
- Monitored daily cash inflows/outflows to ensure warehouse lines remained fluid; acted as liaison between Cornerstone and financial warehouses; paid down warehouse pipelines daily; submitted warehouse templates and purchase agreements daily
- Assisted with internal and external audit requests and reconciliations
- Performed daily cash reconciliations to determine accuracy of financial reports.
- Investigated financial inconsistencies to solve discrepancies and reported to manager.
- Researched and resolved account discrepancies.
- Reconciled account information and reported figures in general ledger by comparing to bank account statement each month.
- Reduced financial discrepancies, effectively reconciling bank accounts and organizing information into accounting software.
- Strengthened financial operations by conducting bank reconciliations and financial reporting.
Quality Assurance Analyst
Selene Finance
01.2013 - 09.2015
- Evaluated and modified programs, policies, and development procedures to ensure compliance with industry laws and regulations and conform to establishment guidelines
- Wrote, revised, and verified quality standards and test procedures for program design and product evaluation to attain quality of service economically and efficiently
- Reviewed new and modified programs, including documentations, diagrams, and flow charts, to determine if programs will perform according to guidelines
- Recommended process improvements and corrections to agents, asset managers, stakeholders, and senior management; aligned daily activities to provide support to ensure agents met daily goals
- Developed and trained employees on call selection methodology; utilized data to identify patterns and trends; ensured quality standards were maintained and production goals were met (RESPA/FDCPA)
- Skilled at working independently and collaboratively in a team environment.
- Self-motivated, with a strong sense of personal responsibility.
- Proven ability to learn quickly and adapt to new situations.
- Worked effectively in fast-paced environments.
Sr. Cash Posting Specialist
Selene Finance
11.2011 - 01.2013
- Processed disbursement of suspense funds, ensuring dispensing within servicing guidelines
- Processed loan modification cash adjustments, standard loan payments, mortgage payoffs and liquidations, misapplication reversals, and exception payments; completed cash/system batch balancing
- Researched irreconcilable exception items; maintained and updated procedures, process memorandums, and flowcharts over cash application processes
- Performed daily cash reconciliations to determine accuracy of financial reports.
- Investigated financial inconsistencies to solve discrepancies and reported to manager.
- Researched and resolved account discrepancies.
Education
Bachelor of Science - Finance
University of Phoenix
Houston, TX05.2012
Skills
- Workstream Organization
- Timelines and Milestones
- Operational Efficiency
- Back Office Management
- Change and Growth Management
- Administrative Support
- Exceptional Written and Verbal communication
- Analytical and Critical Thinker
- Confidential Records Management
- Service Quality
Timeline
Mortgage Loan Processor
Zions Bancorporation
06.2020 - Current
Construction Loan Administrator
Zions Bancorporation
09.2018 - 06.2020
Funding Analyst
Professional Alternatives, Cornerstone Home Lending
01.2016 - 11.2017
Quality Assurance Analyst
Selene Finance
01.2013 - 09.2015
Sr. Cash Posting Specialist
Selene Finance
11.2011 - 01.2013
Bachelor of Science - Finance
University of Phoenix