Sussette Cabrera
Oviedo,FL
Summary
A Disciplined Mortgage Professional who pays attention to details by analyzing risks and potential problems within mortgage applications. Team player collaborates well with other underwriters, originators and processors to produce quality results. Acts with fair and ethical behavior and complies with federal regulations and Fair Housing Act requirements. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
11
11
years of professional experience
Work History
Senior Loan Processor
Digital Risk
07.2024 - Current
- Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
- Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
- Managed over 30 loans consistently meeting deadlines and maintaining accuracy in documentation.
- Streamlined loan processing by implementing efficient workflow systems and task prioritization.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Worked with customers via telephone or through email to answer questions and resolve issues.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Leveraged industry knowledge to provide expert guidance on loan products best suited for borrower needs, enhancing customer satisfaction levels.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
Recertification Specialist
ConcordRents
05.2023 - 06.2024
- Worked directly with residents and site staff to obtain necessary documentation and clarifications to document continued program eligibility as well as working directly with verification sources to obtain appropriate documentation
- Managed documentation and determination of continued eligibility, including comparison of recertification information to prior certifications to determine if the household did not fully disclose all information related to eligibility at move-in
- Leveraged strong organizational skills and attention to detail when managing multiple tasks simultaneously, ensuring timely completion without sacrificing quality or accuracy.
- Worked closely with quality assurance teams to identify trends in errors and develop targeted training initiatives aimed at reducing future inaccuracies within the recertification process.
- Reduced processing errors by diligently reviewing documents for completeness and accuracy before submission.
Consumer Lending Underwriter
Digital Risk
10.2019 - 03.2023
- Underwrite 3-4 loans daily in accordance with client guidelines; utilizing AUS or manual guidelines
- Underwrites applications via all channels, by reviewing credit reports, application data and collateral, if applicable, to approve, counter offer or deny loan requests
- High ability to mitigate risk by clearing liens and credit approval conditions for a complex line of loan products
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
- Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Maintained strong relationships with third-party vendors involved in the application process, ensuring smooth transactions for all parties involved.
Workers Compensation Adjuster
Travelers
03.2014 - 10.2019
- Investigates each claim through prompt contact with appropriate parties such as policyholders, accounts, claimants, law enforcement agencies, witnesses, agents, medical providers and technical experts to determine the extent of liability, damages, and contribution potential
- Prioritized and organized tasks to efficiently accomplish service goals
- At required time intervals, evaluates liability and damages exposure, and establishes proper indemnity and expense reserves
Education
Bachelor of Science - Business Administration
Fayetteville State University
Skills
- Critical thinking and problem solving
- Leadership
- Effective Time Management
- Credit evaluation abilities
- Loan Processing Proficiency
- Documentation Review Competence
- Communication Skills
- AUS Operating Systems
- Mortgage Underwriting Expertise
Timeline
Senior Loan Processor
Digital Risk
07.2024 - Current
Recertification Specialist
ConcordRents
05.2023 - 06.2024
Consumer Lending Underwriter
Digital Risk
10.2019 - 03.2023
Workers Compensation Adjuster
Travelers
03.2014 - 10.2019
Bachelor of Science - Business Administration
Fayetteville State University
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