Rosa Ann Escobar-Vargas
San Antonio,Texas
Summary
Targeted a stimulating opportunity to utilize background knowledge and foster personal development.
Overview
25
25
years of professional experience
1
1
Certification
Work History
Closer/Funder
Directions Home Loan
05.2025 - 08.2025
- Review loan files for completeness and accuracy, ensuring all necessary documents are present and correct before closing.
- Collaborate with the title company and other third parties to schedule the closing and monitor the overall closing process.
- Prepare and issue accurate closing documents and instructions to the title company or closing agent.
- Ensure all loan documents and processes adhere to federal, state, and investor guidelines and requirements.
- Coordinate with various parties to clear any pre-closing conditions required for the loan to fund and close.
- Input and verify all loan data in the mortgage origination and closing document management systems.
- Provide updates and respond to inquiries from borrowers, loan officers, and other internal and external stakeholders.
- A strong focus on accuracy is essential to avoid errors in the extensive paperwork involved.
- Ability to manage and organize loan files, pipelines, and schedules efficiently.
- Excellent communication skills to coordinate effectively with various parties, including borrowers, processors, title companies, and underwriters.
- Aptitude to identify and resolve discrepancies or issues within closing documents.
- Experience with mortgage loan origination software and other relevant technology.
Associate Customer Service Rep.
Wells Fargo Bank NA
10.2024 - 05.2025
- Engage with customers to understand their financial needs and provide tailored solutions.
- Collaborate with senior employees to escalate complex issues.
- Utilize multiple computer systems to navigate customer inquiries and resolve problems efficiently.
- Handle inbound member calls in a fast-paced, high volume contact center environment, for multiple bank products, which may include complex call types and member escalations.
- Utilize effective communication and critical thinking to identify member needs and solutions.
- Provide relevant solutions for complex or escalated issues while following written policies and procedures.
- Provide exceptional member service by demonstrating professionalism and applying empathy, active listening and de-escalation techniques, to acquire new members and deepen relationships with current members through new product acquisition.
- Advise and educates members on digital tools and resources.
- Exemplify strong call/case management skills by assisting members within a timely manner. Adhere to assigned work schedule and limits offline activities.
- Embrace continuous improvement and development through coaching and collaboration with manager and team members.
- Actively seeks and implements feedback from managers with an ability to identify areas of opportunity.
- Proactively identifies process and procedure improvements and utilizes appropriate channels to offer solutions.
Bank Sales and Service Contact Center Representative III
USAA Federal Savings Bank
10.2023 - 09.2024
- Handle inbound member calls in a fast-paced, high volume contact center environment, for multiple bank products, which may include complex call types and member escalations.
- Utilize effective communication and critical thinking to identify member needs and solutions.
- Provide relevant solutions for complex or escalated issues while following written policies and procedures.
- Provide exceptional member service by demonstrating professionalism and applying empathy, active listening and de-escalation techniques, to acquire new members and deepen relationships with current members through new product acquisition.
- Advise and educates members on digital tools and resources.
- Exemplify strong call/case management skills by assisting members within a timely manner. Adhere to assigned work schedule and limits offline activities.
- Embrace continuous improvement and development through coaching and collaboration with manager and team members.
- Actively seeks and implements feedback from manager with an ability to identify areas of opportunity.
- Proactively identifies process and procedure improvements and utilizes appropriate channels to offer solutions.
- Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.
Unemployed
07.2022 - 10.2023
Quality Control Specialist II
USAA Bank
03.2019 - 07.2022
- Identify and manage existing risks that stem from business activities and the job role.
- Ensure risk associated with business activities are effectively identified, measured, monitored, and controlled.
- Follow written risk and compliance policies, standard, and procedures associated with products, services, customers, and operations, and acquire and apply knowledge of risk and control issues within the business.
- Acquire and apply a developing understanding of risk and control issues within the business.
- Conduct repeatable quality reviews.
- Execute correspondence feedback to business leaders to ensure proper process according to establish quality standards.
- Support management on the identification of trends that may require additional level of support in process improvement.
- Analyze the body of work under review through various components to ensure quality assessment is achieved.
- Use quality methods as outlined in Knowledge Central Procedures or internal job refence guides in facilitation of quality control review work.
- Collaborate with peers and internal partners to execute quality control activities. Coordinate with internal partners to meet compliance, and operational requirements to mitigate risk. Knowledgeable of the regulatory and operational components of processes to ensure proper adherence to laws, rules and regulations.
- Apply developing knowledge in support of applicable laws and regulations, such as UDAP, TRID in associated to the various of operational lines of business in support of quality and controls.
Business Controls Specialist II
USAA
03.2016 - 03.2019
- Update Earliest Close date in Cadence to meet close date
- Reviewed Procedure Aid to verify all rules were followed for Early Close date process
- Advise processor of Earliest Close date approved or if denied
- Advise of Procedure Aid rules and guide processors on how to proceed
- Apply Curatives to the proper fields on CD and Cadence
- Order checks for Curatives and complete Approval Soft entry
- Generate revised CD and verify cure applied to correct field and if any clerical errors applied correctly
- Investigate file for further research for Curatives applied
- Create CD, letter and check to be FedEx to our member
- Assist in Rush Curatives to complete in a timely manner
RE Quality Assurance Specialist
Millennium Group/USAA
12.2014 - 03.2016
- Audit Underwriting and Processor conditions to verify all conditions were completed to USAA qualifications.
- Audit HUD’s to verify the correct fees were quoted to the member. Verify that the HUD is in tolerance and VA fees were within guidelines.
- Assisting in opening task for disclosures to be sent to member within the 3 day period.
- Advising auditing of any issues that need to be corrected on members file.
- Audit HUDs to review if in tolerance and will cure if need to be cured.
- Update Earliest Close date in Cadence to meet close date.
- Reviewed Procedure Aid to verify all rules were followed.
- Assisting the TRID team in QA1, QA2. Order checks and assign/create files in Sharepoint.
Closer
Robertson Anschutz Vetters
06.2014 - 12.2014
- Prepare legal mortgage documents; Deed of Trust, Note, Warranty deed and riders
- Review title for any liens, encroachments and easements that may require removal or definition
- Review survey for encroachments and easements to ensure proper disclosure on title
- Review and balance HUDs for closing
- Audit file prior to sending documents to the title office to ensure a seamless transaction for the borrower
Lead Funder
SWBC Mortgage
03.2013 - 05.2014
- Created worksheet and program to audit and fund loans
- Audit files prior to funding for compliance issues and verify correct programs for each file (FHA, VA, Texas Vet, Conventional, Bond and Arm)
- Verify and balance HUD to make sure in compliance with programs and available funds to close
- Email title company for compliance items needed in order to fund and complete the loan
- Pull reports daily to pre-audit files prior to close date
- Report to VP weekly issues that stop the flow of funding loan
- Track daily how many files have funded and how many pre-audited
- Report weekly on compliance issues missed and still pending
Mortgage Loan Closer
Wells Fargo/Wachovia
05.2010 - 03.2013
- Prepare closing documents checking for accuracy before scheduling closing
- Confirm fees for title commitment and insurance premium
- Review and approve HUD for closings
- Specialize in closing for FHA, VA and Conventional, DAP and Bond loans
- Texas Cash Out certified
- Audit closing documents to fund loan
Loan Processor
Wells Fargo, NA
San Antonio, TX
11.2009 - 05.2010
- Process loan application for a refinance program.
- Daily customer contact with decision of application and follow up with conditions requested by the underwriter.
- Order outside products from title policy to appraisals.
- Pre underwriter and review conditions requested by the underwriter.
- Coordinate closings with customers and Title Companies
Modification Associate
Wachovia
San Antonio, TX
08.2009 - 11.2009
- Assist borrowers with applications for a Modification programs.
- Assist borrowers with status calls for the modification in process.
Loan Document Specialist I
Wells Fargo
San Antonio, TX
06.2009 - 08.2009
- Process loan application for a refinance program.
- Daily customer contact with decision of application and follow up with conditions requested by the underwriter.
- Order outside products from title policy to appraisals.
- Coordinate closings with customers and Title Companies.
Loan Processor II
Wells Fargo
San Antonio, TX
06.2008 - 06.2009
- Process file received in Emagic program sourced by brokers.
- Register new loan applications in Powerlender and assign to an Underwriter for a decision on an application.
- Ordered and pulled products from Desktop Underwriting and DISSCO program.
- Placed file in order with conditions received in file.
- Quality control on HMDA files and shipped to corporate office.
Senior Processor (Spanish Team)
World Savings Bank
San Antonio, TX
06.2005 - 06.2008
- Process loan applications that are services by Loan Representative.
- Daily customer contact with decisions of application and
- Conditions needed to complete the loan process.
- Work closed with Underwriters on conditions requested.
- Review title policies and appraisals for issues or problems and worked on resolving the issues.
- Ordered outside products from title companies and appraisal departments.
- Coordinate closings with customers and Title Company.
- Prepared closing documents for Equity lines of Credit.
- Trainer and back up for new processors.
Senior Equity Processor
World Savings
08.2002 - 06.2005
- Process loan applications that are serviced by different service departments.
- Customer contact daily with decision and conditions need to complete the loan process.
- Reviewed title policies and appraisals for issues or problems and worked on resolving issues.
- Worked closely with Underwriters on conditions requested to complete the loan process.
- Ordered products from title companies and appraisal departments.
- Ran daily reports for managers for daily production.
- Trainer and back up for new processors.
Home Loan Processor
USAA
04.2001 - 08.2002
- Responsible for processing mortgages applications for VA, Texas Vet, FHA, and Jumbo and refinance applications.
- Heavily involved in customer service, daily contact with existing customers.
- Responsible for assisting Underwriters with conditions from customers.
- Knowledgeable with Desktop Underwriter and Loan Prospector.
Assistant Loan Counselor
Kaufman and Broad
05.2000 - 04.2001
- Responsible for processing loan applications for VA, Texas Vet, FHA, HUD and conventional purchases.
- Underwrote loan closely with the assistance of Underwriters.
- Assisted Loan Officer with locking in interest rates and customer contact.
- Ordered appraisal and title policies from local vendors and was responsible for reviewing conditions.
- Responsible for closing and shipping loan file after completion.
Education
High School Diploma -
Oliver Wendell Holmes High School
San Antonio, TX06-1989
Skills
- Data collection
- Target achievement
- Objection handling
- File management
- Loan closing documentation
- Attention to detail
- Multitasking
Certification
Certified Notary and Signing Agent with the NNA
Timeline
Closer/Funder
Directions Home Loan
05.2025 - 08.2025
Associate Customer Service Rep.
Wells Fargo Bank NA
10.2024 - 05.2025
Bank Sales and Service Contact Center Representative III
USAA Federal Savings Bank
10.2023 - 09.2024
Unemployed
07.2022 - 10.2023
Quality Control Specialist II
USAA Bank
03.2019 - 07.2022
Business Controls Specialist II
USAA
03.2016 - 03.2019
RE Quality Assurance Specialist
Millennium Group/USAA
12.2014 - 03.2016
Closer
Robertson Anschutz Vetters
06.2014 - 12.2014
Lead Funder
SWBC Mortgage
03.2013 - 05.2014
Mortgage Loan Closer
Wells Fargo/Wachovia
05.2010 - 03.2013
Loan Processor
Wells Fargo, NA
11.2009 - 05.2010
Modification Associate
Wachovia
08.2009 - 11.2009
Loan Document Specialist I
Wells Fargo
06.2009 - 08.2009
Loan Processor II
Wells Fargo
06.2008 - 06.2009
Senior Processor (Spanish Team)
World Savings Bank
06.2005 - 06.2008
Senior Equity Processor
World Savings
08.2002 - 06.2005
Home Loan Processor
USAA
04.2001 - 08.2002
Assistant Loan Counselor
Kaufman and Broad
05.2000 - 04.2001
High School Diploma -
Oliver Wendell Holmes High School