Sandra Hass
Helotes,TX
Summary
Fifteen years’ successful experience in banking a range of products and services, credit Card, mortgage and foreclosure and bankruptcy. Communication and interpersonal skills Coaching Microsoft Office Skills Quick Learning skills Risk Management Fluent in English and Spanish Quality Assurance Research Associate Active Listening Customer and Personal Service Over 30 years of Customer Service
Equipped with strong problem-solving abilities, willingness to learn, and excellent communication skills. Poised to contribute to team success and achieve positive results. Ready to tackle new challenges and advance organizational objectives with dedication and enthusiasm.
Overview
14
14
years of professional experience
Work History
Intake Specialist
Texas Workforce Commission
07.2025 - Current
- Typical duties include receiving and processing new and reopened unemployment claims over the telephone; identifying and resolving issues; fact-finding and writing decisions concerning entitlement to benefits and tax rulings for base period employers; investigating claims paid for quality control, fraud detection and overpayment recovery; processing and responding to questions from employers, the general public and other agencies seeking information regarding unemployment insurance benefits; and performing related duties as assigned.
Part Time
Side Wok Café
05.2024 - Current
- Part Time Helping the Restaurant Home Office with Payroll, Cash register worksheet, WOR, Spread Sheets, Transfers and Inventory.
Mortgage Underwriter
Wells Fargo Bank
06.2017 - 03.2024
- Complex initiatives with broad impact and act as key participant in the development of projects for Underwriting.
- Approve complex loans more than regional, state, business unit or credit officer authority levels – Analyze
- Review, and use critical thinking skills to make decisions on products within the company and industry Guidelines – Effectively manage, and process, a pipeline of loans within strict timelines
- Collaborate and consult with professionals and management to resolve problems and achieve objectives.
- Ensure conformity with bank policies and procedures
- Evaluate complex processes or tasks that may require research into the cause and effect of challenges to Projects or procedures Gathered data, and prepare formal reports, while ensuring Documents consistently met company and Industry guidelines
- Improved internal controls resulting in the successful enhancement of critical business processes and/or
- The execution of high-priority initiatives decisions in circumstances require solid understanding of the processes or tasks that influence and lead the Underwriting team to meet deliverables and drive new initiatives
- Mentor less experienced staff
- Monitor delinquency, loss and risk rating accuracy across groups of regions, states or business units
- Oversee the acquisition of new credit relationships, including some customer contact to ensure credit policies are applied in all areas of credit underwriting
- Work with credit officers and other officers with structuring, pricing, and documentation of smaller loan Transactions
- Evaluated mortgage applications for compliance with underwriting guidelines and risk assessment criteria.
- Identified potential underwriting risks and recommended corrective actions to mitigate exposure.
- Collaborated with loan officers to resolve issues and streamline application processes.
- Analyzed financial statements, credit reports, and property appraisals to determine loan eligibility.
- Led quality control initiatives to enhance accuracy in underwriting decisions and documentation reviews.
- Evaluated mortgage applications to determine risk and compliance with lending guidelines.
- Analyzed borrower creditworthiness using automated underwriting systems for accurate decision-making.
- Collaborated with loan officers to resolve discrepancies and ensure seamless processing of applications.
- Reviewed financial documents for accuracy, ensuring adherence to regulatory requirements and company policies.
- Mentored junior underwriters on best practices in risk assessment and underwriting processes.
- Led initiatives to streamline underwriting workflows, enhancing efficiency and reducing turnaround times.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
05.2015 - 06.2017
- Taking care of my new Grandson
Home Preservation Representative
Wells Fargo Home Mortgage
12.2013 - 05.2015
- Received inbound & outbound calls.
- Process mortgage payments.
- Generate letters.
- Provide approvals on short sales.
- Ensure all documents required are submitted to avoid fallouts.
- Send out documentation regarding missing documents.
- Provide approvals to proceed with deed-in-lieu processes.
- Process loan modification documents and end the process when the maintenance has been completed.
- Manage pipeline.
Bankruptcy Specialist
Wells Fargo Bank
09.2011 - 05.2012
- Dealing with the Loss Mitigation side of Bankruptcy to ensure debtors retain them property.
- Responsible for the documentation and filing of bankruptcy materials with the appropriate attorneys.
- Monitors account throughout the bankruptcy process and contacts appropriate party when necessary.
- Ensures full compliance with bankruptcy regulations.
- Review accounts to ensure it can be closed out of the bankruptcy workstation (TNAR, Discharges, Dismissals, Motions for relief).
- Review motions for relief from stay.
- Familiar with the payment matrix while loans are in active bankruptcy.
- Refer loans to attorneys when loans are delinquent accordingly based on stated per matrix.
- Process Loss Mitigation Mediation orders ordered by the bankruptcy court.
- Provide approvals for short sales while loan in bankruptcy.
- Communicate with Debtor attorneys, and law firms in regard to required documentation and court approvals required for loan modification to be approved by lender.
- Familiar with bankruptcy documents, and loan modification waterfalls.
Education
Associate of Science - Fine Arts
University of Puerto Rico
Santurce, PR05-1986
Languages
Spanish
Native or Bilingual
English
Full Professional
Timeline
Intake Specialist
Texas Workforce Commission
07.2025 - Current
Part Time
Side Wok Café
05.2024 - Current
Mortgage Underwriter
Wells Fargo Bank
06.2017 - 03.2024
05.2015 - 06.2017
Home Preservation Representative
Wells Fargo Home Mortgage
12.2013 - 05.2015
Bankruptcy Specialist
Wells Fargo Bank
09.2011 - 05.2012
Associate of Science - Fine Arts
University of Puerto Rico