Sonia Guerrero
CHANDLER,AZ
Summary
Experienced Quality Assurance Coordinator with over 22 years in the mortgage and finance industry. Developed policies and procedures for Funding and Quality Assurance while training employees on operational processes. Led teams in addressing policy inquiries and supported management during absences. Committed to enhancing production outcomes and advocating for customer rights through actionable insights.
Overview
15
15
years of professional experience
Work History
Mortgage Loan Processor
Planet Home Lending
Irving, Texas
09.2024 - 08.2026
- Processed mortgage applications efficiently for timely approval.
- Reviewed loan documents for accuracy and completeness.
- Coordinated with clients to gather necessary documentation.
- Processed loan files using automated underwriting systems.
- Evaluated credit reports to assess borrower eligibility.
- Collaborated with underwriters to resolve discrepancies in loan files.
- Maintained organized records of all processed loans and correspondence.
- Prepared loan documents including promissory notes, deeds of trust, mortgage insurance policies and truth-in-lending statements.
- Developed relationships with clients, real estate agents, lenders, title companies and attorneys throughout closing process.
- Calculated income, assets and liabilities to meet lender requirements.
- Maintained accurate records in a computer database system during the loan origination process.
Quality Assurance
Conduent
02.2023 - 03.2024
- 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.
- Executed transcoding and preparation of repossession invoices for accurate processing.
- Inspected merchandise for quality assurance prior to stocking shelves.
- Prepared insurance orders for insurance repair checks
- Checked incoming shipments for quality assurance purposes.
- Cashier for retail incoming checks to be processed and applied to customers' accounts.
- Identified areas requiring improvement through quality assurance activities.
- Inspected products for quality assurance prior to packing.
- Performed quality assurance checks on existing metadata records.
- Inspected welds for quality assurance prior to installation.
- 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-tuned final details of mortgage loans to ensure accuracy of closing documents and compliance with federal regulations
- Delivered excellent customer service by identifying needs and recommending custom solutions.
- Cultivated relationships with local real estate agents to enhance referral network and increase loan opportunities.
- 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 the lowest delinquency ratios while maintaining high property sales recovery percentage.
- Verified completeness and accuracy of loan agreements in alignment with applicable policies to minimize risk and ensure compliance.
Underwriter
Carvana LLC
06.2019 - 10.2019
- Conducted comprehensive analysis and evaluated risk, effectively controlling 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 building and leading high-performing underwriting teams.
- Collaborated with internal stakeholders and departments to meet business growth goals.
Closer / Quality Assurance Analyst III
BBVA Compass
02.2012 - 11.2018
- Reviewed and approved HUD loans using REPSA federal guidelines.
- Wrote and implemented the new policy and procedures guidelines for funding and Quality Assurance (QA) for the entire office
- Conducted training for new Closers and Funders as a Subject Matter Expert, providing assistance to new and current employees while also acting as backup supervisor.
- Analyzed data to identify deficient controls and potential fraud or material misrepresentation, conducting research to validate findings
- Assisted in creating Quality Assurance Checklist which was implemented throughout the office and in charge of the 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, AZSkills
- Loan Application Preparation
- Closing Documentation
- Disbursement Processing
- Loan Information Recording
- Loan record management
- Consumer Loan Underwriting
- Property Appraisals
- Title Insurance Coordination
- Mortgage Broker Collaboration
- Compliance documentation
- Federal compliance
- Government Lending
- Closing cost analysis
- Insurance Forms
- Credit Reporting Software
- Continuous improvement processes
- Process Optimization
- Strategic Planning
- Business correspondence
- Accredited Mortgage Professional
Timeline
Mortgage Loan Processor
Planet Home Lending
09.2024 - 08.2026
Quality Assurance
Conduent
02.2023 - 03.2024
Closer/ Funder
Caliber Home Loans
10.2019 - 06.2022
Underwriter
Carvana LLC
06.2019 - 10.2019
Closer / Quality Assurance Analyst III
BBVA Compass
02.2012 - 11.2018
High School Diploma -
Marcos De Niza High School