Summary
Overview
Work History
Education
Skills
Professional Development
Timeline
Generic

ROMAN ZAMORA

San Antonio,TX

Summary

Business Professional with 20+ years of experience. Energetic, outgoing, fast-learner who can identify, assess, prioritize, and take actions to minimize risk. Excellent communication skills – able to effectively communicate verbally, electronically, or in writing with senior management, clients, regulatory agencies, and other business stakeholders.

Overview

26
26
years of professional experience

Work History

Family Services Associate -Mortgage Specialist

Habitat for Humanity San Antonio
01.2024 - Current
  • Liaison for families going through the intake and credit counseling process.
  • Collect additional information from the prospective applicants that satisfy initial MCQ screening criteria via phone interview.
  • Conduct full application intake meeting and prepare information for submission to the Family Selection Specialist.
  • Assist Family Selection Specialist with collecting and updating information to submit to underwriting


SUBSTITUTE TEACHER

North Side Independent School District
03.2022 - 01.2024
  • Maintain excellent record of performance in long-term and short- term substitute teaching positions for grades K-12.
  • Manage classroom behavior and quickly interpret lesson plans to ensure change in teacher does not result in child falling behind.
  • Direct students through social issues and maintain safe environments conducive to individual development.
  • Utilize variety of techniques and strategies to ensure effective delivery of instruction in unfamiliar classrooms.
  • Create detailed reports of student progress and accomplishments to both principal and incumbent teacher.

GENERAL MANAGER

Roman Professional Services
12.2016 - Current
  • Responsible for all accounting functions and taxation for six businesses with combined average portfolio of $1.2 M.
  • Prepare income tax forms 1040 series, schedule C, 1040x and e-file returns.
  • Deliver full spectrum of financial analysis, consulting, and reporting.
  • Launched marketing campaign in Spanish on Facebook targeting Hispanic community.
  • Generated 86 new customers in first 60 days by conducting personal visits to area businesses.

LOAN CLOSER OFFICER

Wells Fargo Bank, N.A.
01.2012 - 04.2016
  • Conducted detailed audits of loan files to ensure loan signing level approval and loan programs correlated with disclosures, policy, and closing instructions.
  • Designed process improvement that customized loan report procedures, collaborated with underwriting and closing supervisors, and prioritized closings.
  • Set numerical goals and established monthly metrics to gauge performance.
  • Exceeded expectations closing 112 loans with estimated $1M savings in first month.
  • Contacted legal representatives, and title companies for pre- and post-closing conditions to expedite loan closings.

NEGOTIATOR UNDERWRITER/CREDIT ANALYST

Wells Fargo Bank, N.A.
07.2008 - 12.2011
  • Responsible for written recommendations to accept, extend lines of credit, deny or counter offer short sales offers, modifications and foreclosures based on income analysis, contracts, assets, credit report, title and appraisal
  • Negotiated proposals with homeowners and legal representatives
  • Approved in case-by-case basis foreclosure postponements
  • Earned national Top Funder Award
  • Saved in average $1M monthly to Wells Fargo

UNDERWRITER LEVEL B

Wells Fargo Bank, N.A.
05.2005 - 06.2008
  • Earned level B Underwriting Authority after consistency of 100% audit passing scores for one full year.
  • Selected to train and mentor both Junior and Level "A"underwriters.
  • Analyzed complex HELOCs, refinances and purchases nationwide.
  • Resolved in average of 60 loans monthly and managed FHA, Fannie Mae and Conventional loans.

SENIOR MORTGAGE LOAN PROCESSOR

Wells Fargo Bank, N.A.
06.2002 - 04.2005
  • Trained and led team of four ensuring compliance with all applicable government regulations and company policies.
  • Reviewed financial statements, title, appraisal, credit report, loan application and contacted loan originators to clarify details.
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Ensured loan document accuracy to protect lenders from potential fraud.

AUDITOR

Wells Fargo Bank, N.A.
06.1999 - 10.2001
  • Communicated and team up with audit staff to obtain necessary information for audits.
  • Followed HUD, TILA, RESPA, requirements and implemented department policies and procedures to minimize risk.
  • Reviewed pre and post closing documents for accuracy, sufficiency, completeness, compliance and proper execution according to mortgage regulators and Wells Fargo policy.
  • Customized audit check list for different loan programs and achieved 98% department passing score.

BRANCH MANAGER

Blazer Financial Services
05.1998 - 05.1999
  • Supervised daily operations, managed staff and resources while driving customers satisfaction and profitability.
  • Created and coordinated with Mcallen Chamber of Commerce vendor fairs and community events which resulted in 23% business growth.
  • Reduced from 3.6% to 1.7% delinquency rate by meeting customers at pre-arranged place to collect payments, offered payment plans, and different payment options.
  • Managed second level approvals on automobile loans, personal loans and life insurance.
  • Engaged employees in business processes with positive motivational techniques.

Education

MBA -

Concordia University Texas
Austin, TX
05.2015

Bachelor of Science - Economics

Texas State University
San Marcos, TX
05.1998

Skills

  • Verbal and Written Communication in fluent Spanish
  • Detail Oriented
  • Customer Service
  • Focus on Results
  • Financial Analysis
  • Promotes Team Work
  • Leadership
  • Time Management
  • Problem Solving
  • Organized

Professional Development

Licensed Texas Notary Public, Loan Signing Agent Training, Business Loans Training, Credit Analyst Training and QuickBooks On Line


Timeline

Family Services Associate -Mortgage Specialist

Habitat for Humanity San Antonio
01.2024 - Current

SUBSTITUTE TEACHER

North Side Independent School District
03.2022 - 01.2024

GENERAL MANAGER

Roman Professional Services
12.2016 - Current

LOAN CLOSER OFFICER

Wells Fargo Bank, N.A.
01.2012 - 04.2016

NEGOTIATOR UNDERWRITER/CREDIT ANALYST

Wells Fargo Bank, N.A.
07.2008 - 12.2011

UNDERWRITER LEVEL B

Wells Fargo Bank, N.A.
05.2005 - 06.2008

SENIOR MORTGAGE LOAN PROCESSOR

Wells Fargo Bank, N.A.
06.2002 - 04.2005

AUDITOR

Wells Fargo Bank, N.A.
06.1999 - 10.2001

BRANCH MANAGER

Blazer Financial Services
05.1998 - 05.1999

MBA -

Concordia University Texas

Bachelor of Science - Economics

Texas State University

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ROMAN ZAMORA