Wendy Mondragon
The Colony,TX
Summary
Versatile loan processing professional specializing in customer service and bank standards. Excellent communicator and decision maker with a strong eye for detail and a proactive nature.
Overview
16
16
years of professional experience
Work History
Mortgage Loan Processor
Mr. Cooper Mortgage
Irving, TX
01.2020 - 08.2022
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Perform welcome, conditional and final calls to borrowers to provide update on their loan application.
- Collect all the documentation needed from borrowers to fulfill underwriter's conditions.
- Interact with title company to obtain clear to close for the property. Handle judgments, liens, 2nd mortgages, subordinations.
- Prepared file for final submission to the underwriter and fulfill all open conditions
- Schedule closing appointments with borrower and title company
- Submit file to funding for approval on final documents
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Communicated with originator and applicant concerning progress of loan file.
- Worked with customers via telephone to answer questions, process transactions and resolve issues.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Verified employment
- Reviewed and validated details of loan applications and closing documentation.
- Worked with FHA and VA streamline, conventional loans.
- Worked with minimum FHA and VA loans
Auto Commercial Funder
Ally Financial Inc.
Lewisville, TX
04.2019 - 01.2022
- Review of new applications submitted by dealers to confirm all documents required are in the system
- Working with underwriters to make sure all policies are satisfied based on company’s policies.
- Ability to review between 25 – 30 new deals and to book 25 deals daily
- Answering calls from dealers to help with the process of their deals.
- Ability to attain production requirements while complying with company policies and procedures.
- Maintain high level of accuracy and attention to detail while completing customer verifications/validations and uploading
Mortgage Modification Underwriter
Bank of America
Plano, TX
01.2015 - 02.2019
- Evaluate and verify loan application information against loan criteria guidelines and bank standards
- Identify and mitigate risks by addressing deficiencies in loan applications and requesting additional supportive information
- Respond to questions and requests in a timely and efficiently manner
- Update information on processing and underwriting systems in order to verify and or delete conditions
- Recommend areas of improvement to loan processor
- Accurately calculate to determine modification eligibility by analysis of income
- Ability to underwrite FHA, VA, Home Equity//HELOAN, and conventional loan request.
- Review complex income documentation such as personal and business tax returns, asset statements and appraisals and credit report.
- Assist in training new team members
Mortgage Quality Assurance Analyst
Bank of America
Plano, TX
01.2013 - 01.2015
- Contacted borrowers to provide updates on their financial information
- Gathered financial information which includes employment situation, salary, assets, financial status, current debts and current expenses
- Coordinate and execute the delivery of employee donations, assisting with recruiting volunteers for company functions and sponsorships
- Answered client questions and assisted clients in selecting the most appropriate mortgage product that best fit for their financial current state
- Manage and order office supplies for unit manager
- Assist with the coordination and scheduling of conference rooms for company functions and/or employee events such as, but not limited to birthdays, holidays, town halls, etc
- Handle catering needs for unit managers.
Mortgage Specialist II
Bank of America
Plano, TX
01.2009 - 01.2013
- Responsible for assessing the risk of the loan and making an approval or decline decision based on the quality of the data in the loan file
- Audited random files before closing by verifying; loan documents, income documents, tax returns, appraisals,1003/HUD 1, deed, notes etc
- Communicates required conditions and stipulations and provides assistance to expedite the final approval of a file
- Ensure daily procedures and internal control reports run smoothly and accurately as directed by Team Manager
- Excellent analytical skills, unbiased thinker with ability to remain flexible
- Organize company documents and score cards into shared mortgage files
- Followed up with team members or party if any defects were found
- Once defects were fixed, I would review the file once again
Dispatcher
Countrywide Home Loans
Plano, TX
01.2007 - 01.2008
- Answered inbound calls and assisted customers with their mortgage
- Started process and application for customer who were interested on refinance or purchase for a home loan
- Transferred calls to the appropriate departments.
Education
High School Diploma -
The Colony High School
The Colony, TX05.2005
Skills
- Loan Application Preparation
- Lending Software Systems (Encompass)
- Critical Thinking
- Customer Communication
- Mortgage Loan Processing
- Loan Information Recording
- Mortgage Closing Scheduling
- Proactive and Quick learner
Additional Information
- Versatile loan processing professional specializing in customer service and bank standards. Excellent communicator and decision maker with a strong eye for detail and a proactive nature.
Languages
Spanish
Native or Bilingual
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
The way to get started is to quit talking and begin doing.
Walt Disney
Timeline
Mortgage Loan Processor
Mr. Cooper Mortgage
01.2020 - 08.2022
Auto Commercial Funder
Ally Financial Inc.
04.2019 - 01.2022
Mortgage Modification Underwriter
Bank of America
01.2015 - 02.2019
Mortgage Quality Assurance Analyst
Bank of America
01.2013 - 01.2015
Mortgage Specialist II
Bank of America
01.2009 - 01.2013
Dispatcher
Countrywide Home Loans
01.2007 - 01.2008
High School Diploma -
The Colony High School
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