Trina Lopez
Oak Point,TX
Summary
Professional with strong background in mortgage underwriting. Skilled in risk assessment, loan analysis, and regulatory compliance. Strong focus on team collaboration and achieving results in fast-paced environment. Reliable and adaptable with excellent analytical and communication skills.
Overview
27
27
years of professional experience
Work History
Co-owner
Prosper Wine House & Event Center on Broadway
04.2022 - Current
- Co-own and operate wine bar/restaurant and event center
- Key responsibilities include, vendor/distributor relations, inventory selection and control, operational oversight, event planning & management, accounts payable/receivables financial reporting and human resources
- Developed strong company culture, fostering teamwork and collaboration among staff members.
Sr. Underwriter – Retail (Remote)
Better.com
08.2020 - 04.2022
- Underwrite and decision residential agency conforming mortgage loans submitted within time frame established by departmental management
- Adequately and effectively explain in written and verbal form decisions reached in manner that will maintain positive relationship with all customers
- Perform timely reviews of tasks submitted, as well as loan resubmissions
- Provides exemplary customer service to both internal staff and external customers by explaining credit decisions and offering alternative options when needed
- Maintain quality and production standards as defined by business
- Have taken on role as Mentor for BU and have assisted in walking mentees through test cases, provide second sign reviews and feedback/coaching
- Managed daily report preparation and task chat responses.
- Mentored junior underwriters, fostering their professional growth and enhancing team performance.
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
- Streamlined underwriting processes for increased efficiency and faster turnaround times.
Sr. Underwriter – Retail (Remote)
Caliber Home Loans
08.2019 - 08.2020
- Perform credit and property analysis on conventional loan and FHA files submitted within time frame established by departmental management
- Adequately and effectively explain in written and verbal form decision reached in manner that will maintain positive relationship with all customers
- Perform timely reviews of conditions submitted, as well as loan resubmissions
- Analyze challenging loan packages to render sound credit solutions
- Provides exemplary customer service to both internal staff and external customers by explaining credit decisions and offering alternative options when needed
- Maintain quality and production standards as defined by business
- Perform other job-related duties and special projects as required
- Streamlined underwriting processes for increased efficiency and faster turnaround times.
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
Sr. Underwriter – Retail (Remote)
Citigroup
03.2015 - 03.2019
- Provided prompt, courteous and excellent service meeting company standards.
- Engaged in regular interactions across various Citigroup departments.
- Perform credit and property analysis on conventional loan files submitted within the time frame established by departmental management
- Adequately and effectively explain in written and verbal form the decision reached in a manner that will maintain a positive relationship with all customers
- Perform timely reviews of conditions submitted, as well as loan resubmissions
- Analyze challenging loan packages to render sound credit solutions
- Provides exemplary customer service to both internal staff and external customers by explaining credit decisions and offering alternative options when needed
- Maintain quality and production standards as defined by business
- Perform other job-related duties and special projects as required
- Review loan files for adherence to federal, state and corporate underwriting guidelines
- Maintained production levels that met and exceeded standards
- Achieved and maintained an average quality review score of 98% and above
Sr. Underwriter – Retail
Great Western Financial Services
07.2014 - 03.2015
- Perform credit and property analysis on conventional loan files submitted within time frame established by departmental management
- Adequately and effectively explain in written and verbal form decision reached in manner that will maintain positive relationship with all customers
- Perform timely reviews of conditions submitted, as well as loan resubmissions
- Analyze challenging loan packages to render sound credit solutions
- Provides exemplary customer service to both internal staff and external customers by explaining credit decisions and offering alternative options when needed
- Maintain quality and production standards as defined by business
- Perform other job-related duties and special projects as required
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
- Streamlined underwriting processes for increased efficiency and faster turnaround times.
Credit Risk Manager, VP – Retail
Citigroup
06.1998 - 07.2014
- Accountable for credit quality and underwriting culture in Retail Business channel
- Communicated and implemented credit policy practices throughout Retail Fulfillment Centers credit authority delegated staff including Underwriters
- Reviewed and responded to Quality Control findings and Underwriting Performance Review results
- Directed Underwriters on most complex transactions to ensure business originated in accordance with credit policy, investor guidelines and regulatory compliance
- Coached, mentored and developed junior underwriters to ensure consistent application and interpretation of credit policy to all decision-makers within channel
- Completed audits of new underwriters and provided recommendation of credit signature levels to Deputy and Chief Underwriter
- Maintained partnership with sales and operations and provided communication of all credit policy updates
- Held other various roles including: Sr. Underwriter/Team Lead - Retail, Operations Support Analyst, Underwriter - Secondary Market Bulk Acquisitions, Quality and Compliance Analyst, Sr. Financial Analyst, Compliance/Research Specialist, Administrative Assistant and Senior Payment Processor.
- Streamlined the loan approval process by creating user-friendly templates for presenting credit analyses to decision makers.
Education
No Degree - Accounting And Finance
North Texas Central College
Gainesville, TXSkills
- Underwriting guidelines
- Analytical and critical thinking
- Automated underwriting system (AUS)
- Practiced at FHA loan process
- Problem-solving
- Time management
- Teamwork and collaboration
- Excellent communication
- Organizational skills
- Adaptability and flexibility
- FNMA guidelines
- Loan origination software
- Collateral valuation
- Strong decision-making
Timeline
Co-owner
Prosper Wine House & Event Center on Broadway
04.2022 - Current
Sr. Underwriter – Retail (Remote)
Better.com
08.2020 - 04.2022
Sr. Underwriter – Retail (Remote)
Caliber Home Loans
08.2019 - 08.2020
Sr. Underwriter – Retail (Remote)
Citigroup
03.2015 - 03.2019
Sr. Underwriter – Retail
Great Western Financial Services
07.2014 - 03.2015
Credit Risk Manager, VP – Retail
Citigroup
06.1998 - 07.2014
No Degree - Accounting And Finance
North Texas Central College
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