Veronica Hensley
San Jose,CA
Summary
Highly-motivated with desire to take on new challenges. Strong work ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand. Successfully manage high volumes of loan documentation in fast-paced environments with demanding productivity, funding while providing a high level of excellence and customer service.
Overview
21
21
years of professional experience
Work History
Mortgage Loan Processor
Guaranteed Rate Affinity
San Jose, CA
03.2021 - Current
- Manage loan application pipeline by completing and submitting reports within allotted turn-around times.
- Collaborate with underwriters to resolve any discrepancies in applicant's financial profile or documentation issues.
- Perform detailed calculations to verify income assets, liabilities and other data provided by applicants to prepare documents for underwriting.
- Inspect loan documentation for mistakes and correct discrepancies.
- Submit loan applications to underwriting department to facilitate approval or denial processes.
- Monitor progress of each loan from start to finish ensuring timely completion.
- Communicate regularly with customers via telephone and email throughout the entire loan process to answer questions, resolve issues and obtain additional documentation required for loan processing while providing excellent customer service.
- Complete closing process by collaborating with attorneys, appraisers, title companies and insurance companies.
- Gather property appraisals, surveys and tax records to update mortgage loan files.
- Maintain up-to-date knowledge of industry trends, state laws and regulations related to mortgage lending.
- Review credit reports and financial information to evaluate creditworthiness of applicants.
- Maintain fast-paced schedule by consistently providing satisfactory application approval turnaround time.
- Deliver high levels of customer service to facilitate smooth process.
- Putting the Customer First All of 2023 Award
Mortgage Loan Processor 5
Wells Fargo Home Mortage
San Jose, CA
01.2010 - 03.2021
Mortgagestart to finish ensuring timely completion.
Home Preservation Specialist 2
Wells Fargo Home Mortgage
Campbell, CA
12.2008 - 01.2010
- Evaluated credit reports, processing history and bank statements.
- Evaluated borrower's ability to repay modified loans based on income and asset verification documents provided by borrowers.
- Developed and implemented strategies to protect homes from foreclosure.
- Analyzed financial documents of homeowners to determine eligibility for loan modifications.
- Provided technical assistance, advice, and support to customers regarding loan modification options.
- Participated in training sessions designed to improve knowledge of relevant laws and regulations governing home preservation initiatives.
- Created customized plans to help borrowers avoid foreclosure and stay in their homes.
- Assisted homeowners in understanding their rights and responsibilities under the law.
- Ensured compliance with applicable laws, regulations, policies, and procedures related to home preservation.
- Reviewed loan modification applications for accuracy and completeness before submitting them for approval.
- Maintained records of all customer contact information, conversations, and actions taken.
Credit Manager 2
Wells Fargo Financial
Fresno, CA
12.2007 - 12.2008
- Collaborated cross-functionally with sales, management and other departments to maintain effective operations.
- Reviewed customer applications for accuracy and completeness prior to approval or denial of credit requests.
- Maintained relationships with existing customers by providing excellent customer service.
- Advised customers on available financing options that best meet their needs.
- Conducted regular meetings with team members to review performance goals, objectives, and results.
- Responsible for new business development and cross selling all financial products including: unsecured personal loans , credit cards, auto and real estate loans as well as eligible insurances.
- Conduct telephone campaigns to increment products and services .
- Assisted the client and approval department to acquire the appropriate documentation and information throughout the credit application and approval process.
Mortgage Loan Processor/Loan Officer
California Lending-Abdaleziz Mortgage
Fresno, CA
01.2003 - 12.2007
- Communicated regularly with customers in person and via telephone to answer questions and resolve issues throughout the entire process from origination through closing.
- Contacted outside sources, references and vendors to verify client financial information.
- Submitted completed loan packages to underwriting department for approval or denial decisions.
- Educated customers on variety of loan products, guidelines and available credit options to promote valuable decision-making.
- Delivered high levels of customer service to facilitate smooth processes.
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
- Tracked and managed new leads and followed up on referral business.
- Built referral business by meeting with local financial planning, home builders and real estate professionals.
- Researched investor guidelines and kept up to date on program changes that affected loan processing or origination.
Education
High School Diploma -
Leigh High School
San Jose, CA06-2020
Associate of Arts - Marketing
Fresno City College
Fresno, CA06-2006
Skills
- Teamwork and Collaboration
- Proficient in Encompass
- File Management
- Attention to Detail
- Title Research
- Loan Closing
- Financial Data Analysis
- Credit Reports
- Employment Verification
- Dedicated Work Ethic
- Deadline Management
- Loan Submissions
- Verifying information
- Customer Service
Languages
Spanish
Native/ Bilingual
Accomplishments
- Putting the Customer First All of 2023 Award
Timeline
Mortgage Loan Processor
Guaranteed Rate Affinity
03.2021 - Current
Mortgage Loan Processor 5
Wells Fargo Home Mortage
01.2010 - 03.2021
Home Preservation Specialist 2
Wells Fargo Home Mortgage
12.2008 - 01.2010
Credit Manager 2
Wells Fargo Financial
12.2007 - 12.2008
Mortgage Loan Processor/Loan Officer
California Lending-Abdaleziz Mortgage
01.2003 - 12.2007
High School Diploma -
Leigh High School
Associate of Arts - Marketing
Fresno City College
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