Tiffany Hernandez
Loan Specialist
Cortez,CO
Summary
Highly collaborative and driven professional who thrives in a team-oriented environment, contributing to the success of colleagues, lenders, and peers. Strong work ethic and passion for productivity, dedicated to making a meaningful impact in every task. Leverages skills and expertise to consistently support and assist team members in achieving their goals.
Overview
20
20
years of professional experience
Work History
Loan Specialist / GS 11 Step 9
USDA Rural Development
08.2018 - Current
- Company Overview: OPD (Origination and Processing Division)
- In August 2018 I was selected for a detail position on the Auxiliary Processing Unit (APU)
- In December 2019 with Guaranteed Housing integration I was permanently placed in OPD Division One, Team 2 as a Loan Specialist
- My duties include customers service to internal and external customers, monitor ECF for new tasks, review loan applications and make decisions for approval or rejections
- I review loan applications for accuracy and completeness and notify the lender of deficiencies
- I have assisted in training and reviewing files of new specialists
- I am always willing to step up and help out where needed even if it is something I need to learn about
- I communicate with my Branch Chief and Team Lead Specialists on issues, concerns, or suggestions
- Since being on my OPD team I have met or exceeded all my performance goals
- Reduced turnaround time for loan approvals by efficiently managing workload and prioritizing tasks.
- Resolved complex issues related to existing loans, effectively retaining clients while addressing concerns promptly.
- Assisted in the development of training materials for new Loan Specialists, contributing to overall team success.
- Examined customer loan applications for loan approvals and denials.
- Maintained strict confidentiality of bank records and client information.
Guaranteed Loan Specialist
USDA Rural Development
01.2013 - 08.2018
- Daily checks of ECF to determine completed applications
- Review new loan submissions in a timely manner and input data into GUS and GLS as well as uploading documents thru ECF
- Have a good rapport with lenders and realtors
- Follow up on missing documentation in a timely manner
- Experience in reviewing REFERS, REFERS with Caution and Full Documentation submissions
- Review appraisals for accuracy and compliance
- Follow and reference Handbook 3555 guidelines
- Daily monitoring of the Colorado inquiry email box and answer lender, realtor and borrower questions
- Review and process loan closing data for issuance of Loan Note Guarantees
- Have attended several outreach meeting and lender trainings
- My loan volume review has increased from year to year
- I have helped various other states in the past few years review files to help with their volume
- (Louisiana, Arizona, North Carolina, Florida, Washington)
- I have participated in training for ECF, appraisals and lender trainings
Area Loan Specialist
USDA Rural Development
09.2007 - 01.2013
- During this time period I helped train our new tech on how to process Direct loans
- I approved Direct loans and 504 loans and grants
- Helped administer and manage the Self-Help program for our area
- Performed inspections for new construction, self-help and 504s
- Attended closings for the Direct loans
- Attended outreach sessions with realtors and partnering non-profits
RD Technician
USDA Rural Development
12.2004 - 09.2007
- Provided customer service to internal and external customers
- Met with potential homebuyers to help complete applications or prequals
- Ran prequals and counseled potential homebuyers
- Input and processed application
- Sent verifications, ordered appraisals and title work
- Analyzed file for accuracy, wrote up recommendation for the specialist to approve
- Attended outreach meetings and inspections with the housing specialist
Skills
- Customer assistance
- Telephone and email etiquette
- Effective communication
- Documentation review
- Loan underwriting
- Credit analysis
- Issue resolution
- Loan origination
- Collateral evaluation
- Loan approvals
- Loan evaluations
- Credit history assessments
- Real estate loans
- Team player
- -focused
- Friendly
- and management
- Document analysis
- Credit
- Proficient in 10-key
- Typing number wpm
- Underwriting support
- Application status reviews
- Excellent time management
- Customer assistance
- Customer assistance
- Customer assistance
- Customer assistance
- Customer assistance
- Customer assistance
- Customer assistance
- Customer assistance
- Customer assistance
- Attention to detail
- abilities
- Abilities
- Reliability
- Excellent communication
- Organizational skills
- Team collaboration
- Active listening
- Adaptability and flexibility
- Verbal and written communication
- Decision-making
- hip building
- Customer relations
- Problem-solving
- Multitasking Abilities
Phone Numbers
970-529-8376, 970-739-1053
Timeline
Loan Specialist / GS 11 Step 9 - USDA Rural Development
08.2018 - Current
Guaranteed Loan Specialist - USDA Rural Development
01.2013 - 08.2018
Area Loan Specialist - USDA Rural Development
09.2007 - 01.2013
RD Technician - USDA Rural Development
12.2004 - 09.2007
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