Years of professional experience
Sandra York
Talent Development Specialist I-Recruiter | Project Manager | Mortgage Lending & Finance
Frisco,TX
Summary
Dedicated Talent Development Specialist with a strong track record of facilitating operational improvements and driving positive outcomes across diverse organizations. Experienced in finance and mortgage sectors, with expertise in loan origination and servicing, as well as a keen ability for cost reduction and business analytics. Highly skilled in system analysis, development, and research analysis, delivering attention to detail that ensures precision and accuracy. Adept at forgoing valuable connections through both in-person and online networking, demonstrating exceptional customer service leadership by maintaining satisfaction and loyalty. Proven project management skills for making high-level decisions and motivating teams across various sectors.
Overview
12
12
Work History
TALENT DEVELOPMENT SPECIALIST I-RECRUITER
Texas Workforce Commission
05.2023 - Current
- Pre-screened resumes prior to sending to corporate hiring managers for consideration.
- Streamlined training processes and conducted comprehensive training to ensure consistency and best practices.
- Mentored and coached employees at all levels, resulting in increased productivity and knowledge.
- Assisted with writing job postings and job descriptions for boards.
- Utilized social media and digital marketing trends to enhance business and candidate connections.
PROJECT MANAGER III
Fannie Mae - (Contractor)
06.2022 - 10.2022
- Led cross-functional projects involving testing new systems, procedures, and coverages, collaborating on data changes.
- Managed the validation and testing of mortgage loans, ensuring coverage justification and addressing deficiencies.
- Implemented effective operational controls to identify and mitigate risks related to fraud monitoring and flood hazard areas in residential loan servicing.
- Conducted oversight in audit, risk control, and fraud investigation, monitoring loan servicing documents for compliance.
- Achieved successful project outcomes through a focus on risk management and regulatory compliance.
HM WHOLESALE CONVENTIONAL MORTGAGE UNDERWRITER
Franklin American Mortgage Corp./Citizens Bank
03.2021 - 12.2021
- Evaluated loan applications for credit, income, and compliance with lending guidelines.
- Analyzed financial strength, creditworthiness, and data integrity to determine risk.
- Maintained compliance by underwriting 80+ loans monthly, reviewing documentation and calculating income requirements.
- Conducted analysis of tax returns and financial statements to assess cash flow for loan repayment.
- Reviewed and assessed insurance coverages, including MI, hazard, homeowners, flood, and flood certification.
HM WHOLESALE UNDERWRITER ASSISTANT
Franking American Mortgage Corp./Citizens Bank
03.2020 - 03.2021
- Facilitated communication between brokers, account executives, and underwriters to ensure timely loan reviews.
- Conducted file reviews, analyzing capacity, capital, character, and conditions to ensure compliance.
- Supported risk mitigation, loan quality, fraud monitoring, and complex scenario solutions.
- Managed pipeline of 100+ purchases, refinance, and home equity loans with a focus on turnaround times and service quality.
- Actively addressed problems to deliver high-quality customer service and meet productivity goals.
SR. LOAN PROCESSOR II
Loan Depot, LLC
11.2017 - 11.2019
- Managed pipeline of 125+ loans with $195 million in revenue for various loan products.
- Analyzed financial statements, tax returns, and credit documentation for investor compliance.
- Consistently surpassed monthly goals for closed loans and received recognition for customer service excellence.
- Successfully resolved customer product complaints, defusing difficult situations empathetically and professionally.
- Demonstrated strong attention to detail and effective time management to meet rigorous deadlines.
SR. LOAN PROCESSOR
Caliber Home Loans, Inc
08.2016 - 08.2017
- Guided, monitored, and trained a team of processors, ensuring financial assessments and eligibility determinations.
- Ensured lending decisions fell within authorized limits and lending policies, maintaining high customer satisfaction.
- Reviewed 150+ loan files for accuracy, minimizing errors and ensuring compliance.
- Oversaw preliminary underwriting of various loan products, including purchase, and refinance.
- Evaluated loan applications for completeness and facilitated financial credit analysis.
SR. LOAN PROCESSOR - HIGH NET WORTH
Bank Of Texas
05.2015 - 08.2016
- Conducted preliminary underwriting for various loan products, including Purchase, and Refinance.
- Reviewed and processed an average of 30-75 loan files monthly, contributing to $90 million in revenue.
- Ordered and analyzed appraisal reports, flood hazard certifications, and documents in compliance with loan guidelines.
- Evaluated loan applications to ensure the completion of required financial information and facilitated financial credit analysis.
- Ensured loan files were prepared for compliance and closing procedures, maintaining high-quality standards.
PROJECT MANAGER - LOSS MITIGATION CLAIMS
JPMorgan Chase
09.2013 - 05.2015
- Lead a team and served as a subject matter expert, reconciling loss mitigation MI claims totaling $60+million after Short Sales and Dead-in-Lieu transactions.
- Conducted claim validation procedures, preparing for refunds to lenders from MI carriers.
- Analyzed MI carriers' explanations of benefits related to active coverage, paid claims, and determinations of claimable expenses.
- Specialized in audit and compliance, identifying weaknesses, fraud, gaps, and opportunities for performance improvement.
- Contributed to a significant improvement in the overall recovery of more than $150 million through enhanced reporting and analytics.
PROJECT MANAGER - MI CLAIMS
JPMorgan Chase
01.2013 - 09.2013
- Trained and supervised colleagues, overseeing projects and conducting QA analysis reviews.
- Managed loss analysis reviews for Short Sales, Foreclosure Sales, REO Sales and Third-Party Liquidations.
- Effectively prioritized and terminated unsuccessful strategic initiatives to align with corporate objectives and goals.
- Enhanced reporting and analytics, leading to the identification of over $150 million in recoverable items.
- Contributed to a significant improvement in the overall recovery of funds for MI Claims.
PROJECT MANAGER - LOAN MODIFICATIONS
JPMorgan Chase
05.2011 - 01.2013
- Created comprehensive training guides to recruit and train new hires on policies, lending guidelines, and mortgage loan processing.
- Served as a subject matter expert, recommending resolutions and courses of action to address problems identified during research.
- Managed, consulted, and conducted detailed root cause analyses to avoid foreclosure.
- Maintained a database for tracking issues received, fraud, cases, and resolutions, providing updates to management on emerging trends.
- Contributed to a significant improvement in the overall recovery of funds by identifying and addressing issues related to loan modifications.
Education
AAS - Business Management
National Education Center
Dallas, TXCertification - Loan Processing/Underwriting
Champion School of Real Estate
Plano, TXDiploma - Office Administrative Procedures/Basic Studies
Magnolia High School
Magnolia, ARSkills
- Training Program Development
- Content Creation and Presentation
- Regulatory Compliance
- Needs Analysis and Program Evaluation
- Training Material Modification
- Learning Management Systems (LMS)
- Strong Written and Verbal Communication
- Problem Analysis and Resolution
- Multi-media Application for Training
- Relationship Management
- Technical Software Proficiency
- Exceptional Presentations and Public Speaking Skills
Additional Information
Proficient in a wide range of software and applications, including but not limited to:
Adobe, Acrobat, ART, AS400, Calyx Point, Capps, CMAX, CCW, CoreLogic, DU/LP, DWS/PEGA, Encompass, Empower, Equator, Equifax, File Net, FHA Connection, FiServ, FNMA/FHLMC, Fox-It, H2O, Home Saver, Info Source, I-Portal, I-Vault, Lender Live, LPS Desktop, LPS Invoice Management, Loan Beam, Mainframe, MISMO, MS Excel, MS Outlook, MS Power Point, MS Windows, MS Teams, MSP, Net-O, OneDrive, OneNote, Recon, RISSK, Salesforce, Share Point, Sparta, SRam, Tableau, Twist, USDA, VA, Valeri, Vendorscape, VIP, WIT.
Timeline
TALENT DEVELOPMENT SPECIALIST I-RECRUITER
Texas Workforce Commission
05.2023 - Current
PROJECT MANAGER III
Fannie Mae - (Contractor)
06.2022 - 10.2022
HM WHOLESALE CONVENTIONAL MORTGAGE UNDERWRITER
Franklin American Mortgage Corp./Citizens Bank
03.2021 - 12.2021
HM WHOLESALE UNDERWRITER ASSISTANT
Franking American Mortgage Corp./Citizens Bank
03.2020 - 03.2021
SR. LOAN PROCESSOR II
Loan Depot, LLC
11.2017 - 11.2019
SR. LOAN PROCESSOR
Caliber Home Loans, Inc
08.2016 - 08.2017
SR. LOAN PROCESSOR - HIGH NET WORTH
Bank Of Texas
05.2015 - 08.2016
PROJECT MANAGER - LOSS MITIGATION CLAIMS
JPMorgan Chase
09.2013 - 05.2015
PROJECT MANAGER - MI CLAIMS
JPMorgan Chase
01.2013 - 09.2013
PROJECT MANAGER - LOAN MODIFICATIONS
JPMorgan Chase
05.2011 - 01.2013
AAS - Business Management
National Education Center
Certification - Loan Processing/Underwriting
Champion School of Real Estate
Diploma - Office Administrative Procedures/Basic Studies
Magnolia High School
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