SANDRA VALVANO
Tampa,FL
Summary
- Determined, resilient mortgage professional with 20+ years of experience in underwriting, processing and a strong foundation of knowledge of FNMA, FHLMC, FHA, USDA, and VA mortgage products
- Possess over 20 years of providing outstanding customer service, handling objections, determining needs and overcoming obstacles in ensuring clients needs are met and are always a priority
- 20+ years leadership experience including: coaching, scheduling, performance evaluation and providing mentorship for up to 25 employees at any given time
- Results oriented top performer while upholding exceptional quality scores
- Excellent analytical, problem solving, and communication skills
- Detail oriented, exceptional interpersonal skills
Overview
17
17
years of professional experience
Work History
Operations Manager
AmeriTrust Mortgage
08.2024 - Current
- 1 yr 4 mos
- Empowered employees to take ownership of their responsibilities, leading to increased accountability and improved performance outcomes.
- Conducted regular performance reviews, identifying areas for improvement and developing action plans to address them.
- Developed and maintained relationships with external brokers and business partners
- Established positive and effective communication among unit staff and organization leadership, reducing miscommunications, and missed deadlines.
- Developed and implemented strategies to maximize customer satisfaction.
- Increased profit by streamlining operations.
Chief Operating Officer/DE Underwriter
Residential Acceptance Corporation
01.2015 - 08.2024
- -Responsible for compliance and risk underwriting of all conventional mortgage loan programs and FHA government loan programs -Performs a thorough analysis to ensure the quality of each loan and to determine compliance with Company and Investor guidelines -Applies and interprets company underwriting guidelines and makes sound credit decision. -Completes credit, income analysis of loan, ensures proper audits are completed and verifies consistency of loan file information -Reviews and evaluates credit information on mortgage loan documents to determine acceptability into specific loan programs -Determines any conditions, stipulations or pre-funding requirements -Reviews receipt of any conditions, stipulations or pre-funding requirements within 24-48 hours -Communicates with Loan Officers, processors, underwriting manager and operations manager as required to resolve outstanding issues -Review and cure any investor post-closing suspense requirements -High degree of attention to detail while maintaining 100% accuracy -Development of streamlined underwriting process to increase company productivity
- 10 yrs
Mortgage Professional
Mutual of Omaha Bank
01.2014 - 01.2015
- Monitoring and assisting staff with work progress while evaluating current business processes
- Communicate with management team to coordinate system and control activities related to loan documentation and monitoring
- Coordinate financial and budget activities for maximum operational efficiency
- Responsible for leading a team of 8 loan officers to a 60% increase in loan production in a 6-month period
- Assisted with the research and the implementation of a more efficient Loan Operating System
- Developing FHA and VA product knowledge of 8 loan originators to maximize production while following all government loan regulations
- Scheduled loan closings and compile closing documents after reviewing the accuracy and consistency of specifications on documents, such as title abstract and insurance forms
- Compile closed loan forms for delivery to marketing department for sale to investors
- Implementing marketing materials and strategies to increase business to originators
- Ensure origination staff complies with regulatory requirements of FHA, FNMA, FHLMC, and VA
- Provide training to loan originators on structuring FHA loans for first time homebuyers
- Educate potential homebuyers on down payment assistance programs in conjunction with FHA mortgages
- Analyze all loans submitted for approval for credit risk, stability, and collateral while implementing processes and procedures while maintaining excellent quality scores
- 1 yr 1 mo
Mortgage Banking Underwriter / Team Lead
JPMorgan Chase
04.2012 - 02.2014
- Full Lending Authority to underwrite and apply needed conditions to current program/product specifications with analysis of Credit risk, Capacity, Capital, Character, Collateral, and Condition while implementing processes and procedures with 100% quality scores
- Developed and implemented best practices in loan operations related processes and procedures
- Demonstrated proactive leadership skills while being a team player with the ability to be influential and establish positive working relationships across the organization
- Achieved and exceeded established department goals within defined timelines, as well as define and implement measurement of acceptable staff performance in order to safeguard the bank’s loan portfolio
- Negotiated loan terms in order to satisfy the customers and business partners while managing risk and exposure
- Strongly communicate the credit decision (approval, suspense, denial) to the appropriate individuals within the firm while upholding fair lending practices of JPMorgan Chase Mortgage
- Exceeded productivity targets while demonstrating great attention to detail
- Ensured quality and customer satisfaction while building relationships
- Utilized my thorough knowledge of complex personal and/or business financials, including but not limited to personal and business tax returns and balance sheet analysis
- Proven organizational skills, problem solving, and ability to prioritize and multi-task
- 4 yrs 11 mos
Loss Mitigation Underwriter
JPMorgan Chase
04.2009 - 04.2012
- Responsible for underwriting and reviewing submitted FHA and FNMA files for the feasibility of a pre-foreclosure remedies while managing risk and exposure
- Implemented operation policies and procedures to ensure compliance with State and Federal regulations and internal compliance requirements
- Managed a special FHA project on fulfillment rework resolution task, assisting hundreds of homeowners
- Negotiated FHA and FNMA loan modification terms in order to satisfy the customers and business partners while mitigating loss
- Exceeded targets for productivity, quality and customer satisfaction while demonstrating great attention to detail
- Analyzed financial statements, tax returns, credit reports, BPO’s and Appraisals in order to recommend the most appropriate workout alternative
- Ensured compliance with federal, state and governing mortgage banking utilizing strong analytical skills
- Resolved complex issues, documented and introduced new procedures to team
- 3 yrs 1 mo
Education
Bachelor of Science - Business Administration
Rider University
LawrencevilleSkills
- Operational efficiency management
- Risk evaluation
- Regulatory compliance
- Financial analysis
Timeline
Operations Manager
AmeriTrust Mortgage
08.2024 - Current
Chief Operating Officer/DE Underwriter
Residential Acceptance Corporation
01.2015 - 08.2024
Mortgage Professional
Mutual of Omaha Bank
01.2014 - 01.2015
Mortgage Banking Underwriter / Team Lead
JPMorgan Chase
04.2012 - 02.2014
Loss Mitigation Underwriter
JPMorgan Chase
04.2009 - 04.2012
Bachelor of Science - Business Administration
Rider University