Sonia Guerrero
Phoenix,AZ
Summary
22 + years’ experience in the mortgage / finance industry working in fast paced business environments. Trained new and existing employees on end to end processes/procedures and answered their inquiries daily Leadership skills including supported employees with day to day policy and guideline questions and selected to back up supervisor when he/she is out of the office Developed and authored new policy and guideline procedures for Funding and Quality Assurance. Authoritative Quality Assurance Coordinator with 10 years improving production outcomes and evangelizing for customer rights. Proven provider of actionable business intelligence and practical enhancement plans. Committed to discovering and eliminating weaknesses in manufacturing and development efforts.
Overview
12
12
years of professional experience
Work History
Quality Assurance III
Conduent
02.2023 - Current
- Improved product quality by implementing rigorous testing processes and protocols.
- Reduced defects in manufactured products through thorough inspection and evaluation procedures.
- Enhanced overall efficiency of the quality assurance process by streamlining workflows and documentation.
- Ensured compliance with industry standards and regulatory guidelines for quality management systems.
- Transcoded and prepared repossession invoices
- Prepares analyses and reconciliations of bill runs to detect fraud.
- Prepared insurance order's for insurance repair checks
- Created policies and procedures for new function roles within the department.
- Cashier for retail incoming checks to be processed and applied to customers accounts.
Closer/ Funder
Caliber Home Loans
10.2019 - 06.2022
- Ending 2021 as the top Mortgage Funder
- Worked in a high pace environment closing 150+ loans per month
- Fine tuning all final details of a mortgage loan to ensure all closing documents are in order and are within Federal regulation
- Delivered excellent customer service by identifying needs and recommending custom solutions.
- Developed and maintained relationships with local real estate agents.
- Monitored loan serving agreements and loan covenants to ensure compliance.
- Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
- Consistently produced one of lowest delinquency ratios while maintaining high property sales recovery percentage.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
Underwriter
Carvana LLC
07.2019 - 10.2019
- Conducted comprehensive analysis and evaluated risk to control underwriting loss.
- Determined level of acceptable risk by reviewing applications for coverage and loss control reports.
- Worked with colleagues to review and accept or deny new and renewal business.
- Assessed loan conditions and provided effective feedback regarding decisions.
- Inspected financial statements, credit information and title data to complete underwriting process.
- Analyzed loan-to-value ratios, debt to income ratios and credit scores to make underwriting decisions.
- Achieved production goals by developing strong underwriting teams.
- Met business growth goals through collaboration with internal stakeholders and departments.
Closer / Quality Assurance Analyst III
BBVA Compass
03.2012 - 12.2018
- Designated as Quality Assurance Housing Urban Development (HUD) Specialist required to review and approve HUD loans utilizing REPSA federal guidelines
- Wrote and implemented the new policy and procedures guidelines for funding and Quality Assurance (QA) for entire office
- Selected to train new Closers / Funders, Subject Matter Expert assisting new and current employees and back up supervisor when they are out of office
- Analyzed data to detect deficient controls, identified transaction components that indicated a potential for fraud or material misrepresentation and performed significant research to confirm or disprove issues
- Assisted in creating Quality Assurance Checklist which was implanted throughout office and in charge of QA funding rebuttal process
- Scheduled and led conference calls regarding mortgage loans ensuring all questions are completely answered
- Consistently exceeded expectations and received outstanding appraisals.
Education
High School Diploma -
Marcos De Niza High School
Tempe, AZ05.2000
Skills
- Insurance Forms
- Tax Receipts
- Credit Bureau Contact
- Legal Documentation
- Title Abstracts
- Closing Documentation
- Funds Disbursement Application
- Loan Information Recording
- Loan Application Preparation
- Credit Reporting Software
- Loan Records Filing and Maintenance
- Business Correspondence Preparation
- Accredited Mortgage Professional
- Consumer Loan Underwriting
- Property Appraisals
- Mortgage Broker Collaboration
- Regulatory Compliance Documentation
- Government Lending
- Closing Costs Calculation
- Continuous improvement
- Strategic Planning
- Regulatory Dossiers
Timeline
Quality Assurance III
Conduent
02.2023 - Current
Closer/ Funder
Caliber Home Loans
10.2019 - 06.2022
Underwriter
Carvana LLC
07.2019 - 10.2019
Closer / Quality Assurance Analyst III
BBVA Compass
03.2012 - 12.2018
High School Diploma -
Marcos De Niza High School
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