Valerie Martinez

As a Loan Officer Assistant/Approval Specialist I play an essential role on the LO's team to ensure quick movement through the upfront approval process by performing timely and consistent follow up to potential buyers to gather the items needed for approval to use Homeward's cash offer programs. As part of the sales team, I am responsible for high volume inbound & outbound communications with qualified leads while building trust and deepening relationships with both real estate agents and home buyers.

• Convert large pipeline of qualified leads to become approved buyers
• Guide borrowers through applications, guideline, document request, and the Homeward process.
• Provide excellent service and build relationships with buyers & agents
• Manage multiple priorities with strong attention to detail and organization
• Demonstrate patience and professionalism when interacting with both internal and external customers
• Work closely with the Underwriting Team to increase efficiency by submitting complete files for approval.
• Customer focused sales training

As a Junior Conditions Specialist and a Condition Specialist Assistant my responsibilities included:

• Order Verification of Employments
• Order Credit Supplements
• Prepare Third Party Processing invoices
• Prepare Credit Report invoices
• Request Master Insurance Endorsements
• HOA Certs
• Pull Property Profiles & Tax Bills
• Send out all upfront Broker Disclosures via DocuSign
• Send out list of UW Conditions to LO
• Contact person between Lender and LO
• Download completed Appraisals - send to Loan officers, update Calyx Point with Appraised value
• Review & upload loan conditions to multiple lender sites
• Request Change of Circumstance as needed
• Prepare lender Trust Certificates
• Prepare lender Doc orders
• Skilled at working under pressure to meet multiple and sometimes competing deadlines
• Update Pipeline Management "Trello" cards as tasks are complete. Monthly pipeline 60-90 loans.

As a Transaction Coordinator my number one responsibility is to act as a liaison for all parties involved in the loan process to ensure a smooth and on-time closing. This service enables the Loan Originators to pursue new business. My responsibilities include:

• Populating/editing 1003 as needed in Encompass
• Uploading all client documents into Encompass system.
• Review Conditional Approval with Sr. Processor
• Work directly with borrower obtaining UW Conditions needed
• Prep LOE's as needed.
• Review & Submit all Underwriting Conditions to Sr. Processor
• Obtain Homeowner Insurance Quotes for Borrower to review - as a courtesy.
• Keep the Borrower and Realtors updated on loan status.
• Maintain strict confidentiality of bank records and client information.
• Maintaining friendly & professional customer interactions.
• Assist with all loan related deadlines and duties as needed, to ensure a successful closing.

VanDyk Mortgage Plano TX. Communicate effectively with the Loan Originator, Processor and Borrower to ensure all Underwriting conditions are fulfilled in a timely manner. Obtain Homeowners Insurance quotes for the Borrower - as a courtesy. Review & upload all fulfilled Underwriting Conditions and financial documents into Encompass. Maintain strict confidentiality of bank records and client information. Maintaining friendly & professional customer interactions. Assist with all loan related deadlines and duties as needed.

• Collected & reviewed initial financial documents and credit history.
• Populate/Edit 1003
• Review Conditional Approval with Sr. Processor
• Work directly with Borrower to secure UW Conditions needed
• Review & Upload conditions into Encompass
• Submit Borrower conditions to Sr. Processor
• Communicated acceptance or rejection to applicants via email or telephone
• Main point of contact for Borrower

• Originated loan applications. Reviewed financial documents and credit history. Prepared and presented loan options to borrowers. Submitted complete loan applications to underwriter for verification and recommendations. Obtained loan conditions from borrowers and properly uploaded them into Encompass. Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.

• Oversaw daily office operations for staff of 12 employees.
• Prepared and distributed payroll for staff of 12 direct reports.
• Oversaw inventory and office supply purchases.
• Negotiated pricing with vendors regarding wholesale billing and marketing procedures.
• Processed accounts receivable and accounts payable.
• Liaised with vendors to order and maintain inventory of office supplies.
• Performed accounts receivable duties including invoicing, researching chargebacks, discrepancies and reconciliations.
• Assisted with coordination and hosting of company events.
• Assisted with event planning, including associated travel and logistical arrangements.

Laguna Niguel Realty, Prudential California, Coldwell Banker and Cornerstone Realty.