Veronica Valenzuela
Tucson,AZ
Summary
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. A dedicated professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
13
13
years of professional experience
Work History
Mortgage Underwriter
Caliber Home Loans
Tucson, Az
11.2020 - 04.2022
- Responsible for reviewing all conventional loan applications for compliance with underwriting, investor and FNMA/FHLMC guidelines
- Reviews/analyzes loan files submitted for borrowers to ensure file meets loan program requirements
- Individual analysis of Loan application
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Met 24-48 hour timeline consistently, turning around applications quickly with firm approval or denial decisions.
- Approves, counters or denies loan file
- Escalates fraud files to credit manager/risk management team
- Respond within SLA to all loan specific audits/findings
- Orders Mortgage insurance as needed
- Responsible for pipeline management with an emphasis on organization and multi-tasking
- Develop and/or maintain relationships with Calibers Business Partners and Brokers
Senior Business Application Support Analyst
Caliber Home Loans
Tucson, AZ
10.2015 - 11.2020
- Serves as subject matter expert regarding Caliber's policies, procedures, products, promotions and technology
- Manages requests to handle and diagnose the system issues/deficits and redirects to appropriate production/operations teams as needed
- Records difficult or frequently asked questions/scenarios and disseminates findings to manager for educational purposes
- Provides materials in a usable format with accurate steps, logic, screen shots, and in-depth explanations
- Completes an analysis & test for H2O 'bugs' to ensure issues are truly system issues and not user error/PC related
- Adheres to H2Online Support escalation policies and collaborates with other corporate service departments to facilitate issues outside of the scope of H2Online Support
- Continues education on upcoming products, regulations, guidelines, and software and vendor relationships/integrations
- Provides an approach of training, allowing users to be more autonomous
- Serves as a subject matter expert in the administrative functions of H2Online Support to assist in access, account and administrative functions within H2Online Support
- Provides 2nd line support, within channel alignment, for incoming calls, chats, and online tickets
- Escalate approved requests to Testing/Validation Manager for completion
- Understands all production and operations roles within assigned channels.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Analyzed existing systems and databases and recommended enhancements to solve business needs
Capital Markets-Senior Pricing Analyst
Caliber Home Loans
Tucson, AZ
01.2011 - 10.2015
- Responsible for upholding and assisting with the overall function of the Lock Desk
- Assist with all phone queues and process all pricing related email questions
- Secures and maintains all Best Efforts loans
- Saves all daily investors’ rate sheets as well as all intraday rate changes
- Applies concessions per policy requirement and management approval
- Enforces and applies Caliber’s Lock Policy
- Generates rate comparisons as needed
- Runs reports upon management request
- Managed daily pricing process to validate data integrity, pricing calculations and pricing distribution to systems and business partners.
- Trained and mentored new personnel hired to fulfill Pricing analyst roles.
Client Relations Manager/GFE Review
Caliber Home Loans
Tucson, AZ
10.2010 - 01.2011
- Review loan package for required documentation
- Ensure loan package meets compliance guidelines fixing discrepancies as necessary
- Process/review mortgage loans received from brokers/loan processors
- Contact brokers/loan processors to correct or revise loan applications and or provide additional loan documentation
- Prepared loan estimate with new loan application and sent initial disclosures.
- Set up loan file with accurate fees according to selected loan program and other loan parameters.
- Set up and completed loan submission packages.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
Dental Assistant
Family Dental Group
Tucson, AZ
05.2009 - 10.2010
- Assist dentists in chair side dental procedures o Composites o Amalgam o Root Canals o Crowns, build ups and temporaries o impressions o Cleanings (SRP cleanings and Prophy) o extractions o Coronal polishing
- Front office experience in Dentrix program
- Digital radiography exposure
- Maintained dental supply inventory by checking stock to determine inventory levels and placing and expediting orders for supplies.
- Cleaned and sanitized dental tools and equipment, straightened treatment rooms and restocked supplies to prep for next patient and maintain health and safety practices.
- Explained treatment procedures and instructed patients on home care guidelines.
- Scheduled appointments for new and existing customers, factoring in provider availability and scheduling loads.
- Created dental impressions used for diagnostics, opposing models and study casts to make crowns, bridges and other dental prosthetics.
- Documented patient dental health information, medical history and vital signs for future reference.
- Educated patients by giving oral hygiene, plaque control and postoperative instructions.
Education
Bachelor of Arts - Business-Financial Planning
Arizona State University
Tempe, AZ05.2026
Associate Degree - Business Administration
Pima Community College
Tucson, AZ2024
Certificate in Dental Assisting - Dental Assisting
Pima Medical Institute
Tucson, AZ04.2009
Skills
- Experience working with Fannie Mae Desktop Underwriter (DU) and Freddie Mac Loan Prospector (LP)
- 12 years of Mortgage experience
- Over 20 years of customer service experience
- Knowledge of Mortgage loan processing and Capital Markets/pricing/rate sheets
- Knowledge of mortgage insurance (MI) guidelines
- Working knowledge of various fraud tools
- Knowledge of FNMA and FHLMC policies and guidelines
- Knowledge of Microsoft Office (Word, Excel)
- 10-Key Typing
- Self-starter and able to work under deadlines with minimal supervision
- Able to handle difficult situations while maintaining a minimal stress level
- Accurate, organized and detail-oriented
- Excellent communication skills
- Ability to manage multiple deadlines
Timeline
Mortgage Underwriter
Caliber Home Loans
11.2020 - 04.2022
Senior Business Application Support Analyst
Caliber Home Loans
10.2015 - 11.2020
Capital Markets-Senior Pricing Analyst
Caliber Home Loans
01.2011 - 10.2015
Client Relations Manager/GFE Review
Caliber Home Loans
10.2010 - 01.2011
Dental Assistant
Family Dental Group
05.2009 - 10.2010
Bachelor of Arts - Business-Financial Planning
Arizona State University
Associate Degree - Business Administration
Pima Community College
Certificate in Dental Assisting - Dental Assisting
Pima Medical Institute
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