STACEY MORALES
Summary
Goal-oriented professional with a proven ability to manage multiple tasks and consistently meet deadlines. Extensive experience in the mortgage, real estate, and insurance sectors, complemented by a strong background in origination, loan processing, funding, and customer service. Recognized for an impeccable reputation among brokers and a dependable work ethic, demonstrating initiative and adaptability in fast-paced environments. Committed to continuous learning and capable of thriving both independently and as part of a collaborative team.
Overview
16
16
years of professional experience
Work History
Consumer Loan Underwriter
Valley First Credit Union
03.2025 - Current
- Evaluates loan applications to assess borrower risk and decide whether to approve loans based on a financial institution's policies and regulatory standards
- Analyzing financial documents, verifying employment and income, calculating risk factors, making decisions on loan terms and rates, and ensuring compliance with all federal and state regulations
- Thoroughly examine loan applications and supporting documents, such as credit reports, bank statements, and tax returns, for accuracy and completeness
- Ensure that all loan files and processes adhere to federal, state, and local regulatory requirements and internal policies
- Manage a portfolio of loan applications efficiently, maintaining a high level of file quality and meeting performance standards
- Work effectively with internal teams, including loan officers and processors, and external parties like third-party vendors, to facilitate the loan process and provide excellent customer service
SR LOAN PROCESSOR
PATELCO CREDIT UNION
09.2015 - 01.2024
- Customer Contact by mail, telephone concerning acceptance or rejection of loan application
- Processed loan application, including verifying customer information, preparing documents, and ordering all third-party services closing
- Collect required documentation from applicants and follow up on all missing items
- Prepare loan files for submission to underwriting by updating all income, assets, liabilities and overall financial status to determine eligibility for loan approval. including paystubs bank statements provided by customer
- Cleared condition, be sure all underwriter conditions. Verify all documents are accurate
- Reviewing and sending CFPB compliant closing disclosures to borrowers
- Scheduled closings with Title/ Escrow Company
SR. LOAN PROCESSOR
PINNICAL FINANCIAL
06.2015 - 08.2015
- Reviewed loan funding packages.
- Balanced with Title/ Escrow.
- Insured all of the documents are accurate. Finalizing your escrow accounts for property taxes and insurance.
- Verified wire instruction before wiring. Request final HUD to balance.
- Insured all lender credit were accurate. Setting up the wire for funds to escrow and title company. Doing so to ensure a smooth funding process.
- Reviewing and sending CFPB compliant closing disclosures to borrowers
AUDITOR
CMG FINANCIAL
03.2010 - 08.2015
- Increase customer satisfaction with a timely response to inquiries and explanation of the complete loan process.
- Promoted a positive work environment through effective communication skills and teamwork initiatives.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Maintained compliance with federal state, and Company regulation through regular review of updated records as needed.
- Handled multiple assignments and commitments. Review and sign off all credit comparisons.
- Coordinates fundings with partners
SR. LOAN PROCESSOR
BANK OF AMERICA
12.2012 - 07.2015
- Reviewed loans as set forth by original underwriter including but not limited to tax returns, credit reports, income and assets documentation and appraisal condition.
- Generated additional conditions if necessary. Singed off conditions for U/W and funding PTD 's PTF'.
- Ran DU and LP and handled the LP box for Loan officers and processors.
- Maintain turnaround time requirements per department specifications.
- Handled multiple assignments and commitments. Review and sign off all credit comparisons.
- Coordinates fundings with partners.
- Loan modifications
Skills
- Effective priority setting
- Title searches
- Risk evaluation
- Customer relationship development
- Loan documentation
- Credit analysis
- Documentation review
- Credit decision making
- Teamwork
- Customer service
- Time management
- Problem-solving
- Multitasking
- Excellent communication
- Analytical thinking
- Risk assessment
- Document management
- Project management
Timeline
Consumer Loan Underwriter
Valley First Credit Union
03.2025 - Current
SR LOAN PROCESSOR
PATELCO CREDIT UNION
09.2015 - 01.2024
SR. LOAN PROCESSOR
PINNICAL FINANCIAL
06.2015 - 08.2015
SR. LOAN PROCESSOR
BANK OF AMERICA
12.2012 - 07.2015
AUDITOR
CMG FINANCIAL
03.2010 - 08.2015
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