Virginia Jaquez
El Paso,TX
Summary
Committed job seeker with a history of meeting company needs with consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges. Ability to work remotely with focused self discipline with time management skills.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Senior Underwriter
Cornerstone Home Lending, Inc.
Houston, Tx
05.2013 - 08.2025
- Analyzed borrower credit profiles to assess risk and eligibility for mortgage loans.
- Collaborated with loan officers to clarify documentation and underwriting requirements.
- Utilized underwriting software to evaluate and streamline loan processing tasks.
- Conducted quality control audits on approved loans for accuracy and adherence.
- Issued clear written conditions for approval of mortgage loans.
- Resolved document mistakes and discrepancies and identified signs of fraudulent activity.
- Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
- Reviewed property appraisals to ensure accurate valuation and compliance with standards.
- Tracked changes in underwriting guidelines issued by investors or agencies such as Fannie Mae or Freddie Mac.
- Attended conferences, seminars and training sessions related to mortgage banking operations.
- Analyzed trends in the mortgage industry to adjust underwriting practices accordingly.
- Utilized understanding of underwriting guidelines to keep work in line with government regulations and company requirements.
Education
Business Administration
The University of Texas At El Paso
El Paso, TX05-1996
Skills
- Risk assessment
- Financial analysis
- Mortgage underwriting
- Data analysis
- Regulatory compliance
- Effective communication
- Loan approval & denial
- Professionalism
Certification
FHA DE
VA LAPP/SAR
2025 Training Gramm-Leach Bliley Act, Reg Z, RESPA, Bank Secrecy Act, Reg B, Privacy Act, Safe Act
Timeline
Senior Underwriter
Cornerstone Home Lending, Inc.
05.2013 - 08.2025
Business Administration
The University of Texas At El Paso