Yanet Duran
Coconut Creek,FL
Summary
Experienced in loan review and quality control analyst with 15+ years in the residential mortgage loan and banking industry. Seeking an exciting opportunity to work with other like-minded, motivated mortgage professionals who approach their job with a high level of integrity.
Overview
20
20
years of professional experience
Work History
General Manager (Owner)
Yainys Home, Inc
02.2023 - Current
- Managed budget implementations, employee reviews, training, schedules, and contract negotiations.
- Managed a diverse team of professionals, fostering a positive work environment and high employee satisfaction.
- Developed and implemented strategies to increase sales and profitability.
- Cultivated strong relationships with clients, vendors, and partners to ensure long-term success and loyalty.
QC Analyst
StoneHill Group, Inc
08.2015 - 12.2022
- Articulated audit findings, risks and detailed recommendations to clients and leadership team
- · The data entered into DU/LP or other Automated Underwriting Systems, if applicable
- Conducted daily reviews of TRID documents for accuracy and compliance
- Compared Loan Estimate throughout the loan process to verify accuracy of estimated fees
- Reviewed loan application and closing packages to ensure accuracy and completeness
- Calculated and verified if cash to close amount was accurate during closing.
Loan Underwriter II
Citizens Bank
10.2012 - 07.2015
- Met with applicants to obtain information for loan application and address questions and concerns
- Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment statuses
- Verified client financial information to determine creditworthiness and loan eligibility
- Reviewed loan agreements to verify accuracy and completeness
- Underwrote private and federal student loans including automated and manual portfolios
- Oversaw and approved student loan consolidations and cosigner releases.
Agency Liaison
JP Morgan Chase
02.2011 - 08.2011
- Acted as an intermediary between attorneys and the business regarding loan modification statuses
- Assembled files for counseling and mediation between opposing counsels, attorneys, mediation centers and underwriters
- Established relationships with management, local leaders and community members to achieve program objectives
- Cultivated and developed relationships with existing and potential referral sources, identified new partners, uncovered untapped opportunities and raised brand awareness.
Senior Mortgage Underwriter
JP Morgan Chase
03.2006 - 02.2011
- Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer or denial
- Ensured loans met internal and external eligibility requirements
- Determined loan completeness and accuracy by thoroughly analyzing mortgage applications, appraisals and property evaluations
- Resolved document errors and discrepancies, and identified signs of fraudulent activity
- Underwrote FHA, VA, USDA and FNMA loans
- Liaised with lenders, appraisers and other third parties to communicate needs and requirements.
Loan Counsellor
JP Morgan Chase
12.2004 - 02.2006
- Received and documented inbound calls in a fast-paced environment
- Initiated collection calls on delinquent mortgage loans
- Researched and resolved customer disputes in regard to misappropriated payments
- Negotiated payment arrangements with customers to avoid mortgage delinquency and possible foreclosure.
Education
Tax Preparation Certification -
H&R Block
Warwick, RI11.2013
Undergraduate Studies: Finance -
Columbus State Community College
Columbus, OH06.2006
Skills
- Bilingual, fluent in English and Spanish (spoken, written, read)
- Encompass, Byte, Empower, Mortgage Candence
- Proficient in Microsoft Office, Excel, Word, PowerPoint
- Ability to meet stringent deadlines
- Excellent analytical, problem solving, and decision-making
capabilities
Availability
Available for Relocation
Timeline
General Manager (Owner)
Yainys Home, Inc
02.2023 - Current
QC Analyst
StoneHill Group, Inc
08.2015 - 12.2022
Loan Underwriter II
Citizens Bank
10.2012 - 07.2015
Agency Liaison
JP Morgan Chase
02.2011 - 08.2011
Senior Mortgage Underwriter
JP Morgan Chase
03.2006 - 02.2011
Loan Counsellor
JP Morgan Chase
12.2004 - 02.2006
Tax Preparation Certification -
H&R Block
Undergraduate Studies: Finance -
Columbus State Community College
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