Summary
Overview
Work History
Education
Skills
Timeline
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Savina Ocañas

McKinney,USA

Summary

Experienced with data analysis, process improvement, and workflow management. Utilizes analytical thinking to identify and address inefficiencies. Strong understanding of operational dynamics, ensuring smooth and effective process execution.

Overview

12
12
years of professional experience

Work History

Processing Analyst

MSI Credit Solutions
09.2024 - Current
  • Data entry and verification: Accurately inputting customer information from applications, pulling credit reports, and verifying details against provided documents
  • Document review: Thoroughly examining all submitted documents for completeness, accuracy, and compliance with credit repair regulations
  • Credit report analysis: Identifying potential errors or inaccuracies on credit reports that may impact a customer's credit score.
  • Also conducted file clerk duties
  • Refreshing credit reports to establish updates or changes to clients scores.
  • Mailed disputes on behalf of clients.
  • Reviewed clients results mailed in or emailed from client

Photography Warehouse operative

Ede & Ravenscroft
07.2023 - 04.2024
  • Ensure all equipment is serviceable.
  • Advise Photography Manager of any loss, damage or failure of equipment and resolve where possible.
  • Advise Photography Manager of new equipment, which may benefit the business.
  • Engage with new technologies introduced
  • Engage with new packaging & storage solutions
  • Ensure pick lists are current and dated with 11 months
  • Report any out of date Pick lists to Photography Manager.
  • Ensure all equipment is fit for purpose
  • Ensure all items are picked/packed as per pick list
  • Ensure health and safety practices in warehouse and while assisting in other departments.
  • Conducted regular inventory checks to maintain stock accuracy.

Loss Mitigation Underwriting Supervisor

Cenlar FSB
12.2019 - 03.2023
  • Responsible for managing team goals, escalations, training, production, etc. I delegate, rebalance pipelines to each team member according to portfolio and deadlines.
  • Supervised underwriting team, ensuring compliance with regulatory standards and company policies.
  • Streamlined underwriting processes, enhancing efficiency and reducing turnaround times for loan approvals.
  • Mentored junior underwriters, providing training on risk assessment and decision-making techniques.
  • Analyzed complex loan applications, evaluating creditworthiness and mitigating risks effectively.
  • Collaborated with cross-functional teams to develop underwriting guidelines aligned with market trends.
  • I am responsible for audit reviews according to client expectation to the business and fulfill daily reporting sections assigned from upper management.
  • Daily communication to the team on upcoming changes or client expectation-will include performance reviews and coaching as needed.
  • Assisted Underwriters with questions, learning curves, projects, escalations and or any other viable flow for business needs.
  • Accountable for internal/external audits, payroll approval, litigated/mediation/foreclosure request.
  • Utilized software systems: MSP, BITB, ADP, LPS, FHA connection, META, SAM, LDP, Word, Excel, Outlook, etc.
  • Balanced workloads weekly to prevent Risk or KRI failures.


Loss Mitigation Quality Agent

Ditech Financial LLC
08.2013 - 12.2019
  • Responsible for reviewing all files from underwriters, required to ensure all housing and client guidelines are followed. Preventing loss or potential re-purchase of the loan.
  • Reviewed all loan detail information to the system, including but not limited to: values BPOs/appraisals, protocol guidelines listed in each loan from investor, state and bank specification.
  • Calculating potential interest, income calc, fixed rate term guidelines.
  • Trained new QA and bid agents as needed.
  • Conducted Risk analysis before the bid was completed to ensure the best interest of the company.
  • Pulled daily reports of reviews completed, assigned out to the team daily when the team leader or supervisor was out.
  • Systems used: MSP, Black Knight, LPS, UcSE, WEBLGY, Valeri, SCRA, Fortracs, Salesforce, Lenstar, Excel, Outlook, Word, etc.

Education

GED - General Education

Hopkinsville Community College
Hopkinsville, KY

Skills

  • Experience with fair housing compliance
  • Efficient loan processing
  • Credit analysis
  • Organizational Skills
  • Analysis skills
  • Leadership
  • Loan servicing expertise
  • Customer Service
  • Proficient typing skills
  • Communication Skills
  • Training
  • Proficient in Microsoft Office
  • Underwriting
  • Teamwork
  • Multitasking
  • Problem-solving abilities
  • Time management
  • Data entry
  • Document review

Timeline

Processing Analyst

MSI Credit Solutions
09.2024 - Current

Photography Warehouse operative

Ede & Ravenscroft
07.2023 - 04.2024

Loss Mitigation Underwriting Supervisor

Cenlar FSB
12.2019 - 03.2023

Loss Mitigation Quality Agent

Ditech Financial LLC
08.2013 - 12.2019

GED - General Education

Hopkinsville Community College

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Savina Ocañas