Yvette Galan
Cambria Heights,NY
Summary
Respectful Loan Coordinator with 30 years of hands-on experience evaluating and authorizing various mortgage loan applications. Dependable professional polished in assembling loan packages, initiating loan applications and analyzing loan programs to match borrower's profile. Communicative team player with in-depth knowledge of banking products and associated services.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Loan Coordinator
Citibank Private Banking – Residential Real Estate Dept.
08.2019 - 04.2024
- Analyze and Reconcile mortgage loan files for completion
- Assist in the final quality process of an extensive pipeline for quality control / post-closing document requirements/requests from the various investors in the final stages of the purchase of closed loans
- Documents include all types of tax returns.
Mortgage Underwriter
Nationwide Mortgage Bankers
09.2016 - 07.2018
- Credit Underwriter reviewing complex mortgage loan applications rendering a credit worthiness decision insuring all loans are reviewed with quality risk assessment and assurance; shipped and sellable throughout the secondary market
- Managed assigned pipeline of any quality control post-closing document requests from the various investors to assist in the final purchase of closed loans as a finished product
Mortgage Underwriter
Alterra Home Loans aka/ Venta Financial Group Inc.
03.2015 - 09.2016
- Remote Underwriter analyzing pertinent mortgage loan documents to ensure the quality assurance on the data accuracy for any FHA/ Conventional Conforming or Non-Conforming mortgage loans submitted for underwriting review
- Assisted in recommending alternative solutions for qualifying borrowers
- Performed the final quality control/quality assurance review process prior to shipping to the designated investor.
Mortgage Underwriter
Interthinx, Inc
01.2011 - 12.2011
- Examine and analyze loan documents for review of accuracy and completeness of informed consents provided by mortgage applications
- Perform external field audits based on projects and or assignments issued
- Utilize communication skills to recognize and address any sensitive or complex situations for possible fraud or misrepresentation
- Underwrote mortgage residential loan applications ensuring compliance, quality control and guidelines were followed for appropriate company and or secondary market investors
- Performed Front Line Underwrites or Quality Control Due Diligence Mortgage Reviews.
Mortgage Underwriter
Bank of America
03.2008 - 09.2010
- Analyzed and verified required documentation to complete mortgage loan applications from underwriting approval to scheduling of closing date
- Qualified borrowers under various mortgage investor guidelines known as FHA/VA, FNMA (DU), FHLMC (LP),Sub Prime, Alt-A
- Liaison between Bank of America clients, borrowers, and attorneys to obtain loan documentation
- Attended various compliance, processing and underwriting training courses for certification
- Excellent customer service among co-workers, management and members.
Mortgage Underwriter
First Franklin Financial Corp
10.2004 - 12.2007
- Underwrote and analyzed assigned files under FNMA/FHLMC, Sub Prime or Alternative documentation with signing authority up to $1M
- Able to set effective priorities and implement decisions to meet operational deadlines
- Team player with good management, training and communication skills necessary to promote services or assist in final decision makings
- Review mortgage loan applications to ensure completeness of data verified based on disclosed applications: also obtained additional documentation required for stability of loans to the various secondary market and private investors.
Mortgage Underwriter Consultant
Trandon Associates – Employment Agency- Mortgage Underwriter
- Analyzed loan documents for data accuracy of credit mortgage application under the FNMA, FHLMC or FHA underwriting guidelines
- Authorizing the clear to close on assigned files to the banks attorney: escrow settlement agent associated to be sold to the secondary market or private investors.
Mortgage Underwriter Consultant
I-Serve Residential Lending
- Performed initial underwriting reviewing credit loan files submitted from various company’s branches recommendation for credit approval, suspension or rejection with requests for additional conditions for final credit decision, if applicable.
Mortgage Underwriter Consultant
Nassau Educators Federal Credit Union
- Underwrote files assigned daily under FNMA/ FHLMC approvals with any NEDCU overlay guidelines
- Any assigned loan files under 80% LTV (loan to value) remained in NEFCU warehouse portfolio line leaving only 40% of the mortgage loans sold to the secondary market or private investors.
Mortgage Underwriter Consultant
Sunnyside Federal Bank
- Reviewed & analyzed legal and credit loan documents of closed files for quality assurance and quality control with due diligence compliance review audits: revealing any fraud or misrepresentation that may appear on files that were closed with 90 days of closing date.
Education
Associates Degree - Secretarial Science
Taylor Business Institute
06.1984
Skills
- Escrow management
- Loan approvals
- Document Review
- Credit analysis
- Income verification
- Employment Verification
- Loan Processing
- Loan Closing
Certification
FHA Direct Endorsed Certified, 10/2004
Highlights
Lending QB, EnCompass, FNMA Desktop Originator/Desktop Underwriter, FHLMC Loan Prospect, Conventional Lending, Anti-Money Laundering, LAPP/SARS, Customer Service, Clerical, Mathematics, Complex Problem Solving, Quality Assurance, Quality Control Analysis
Languages
Spanish
Professional
Timeline
Loan Coordinator
Citibank Private Banking – Residential Real Estate Dept.
08.2019 - 04.2024
Mortgage Underwriter
Nationwide Mortgage Bankers
09.2016 - 07.2018
Mortgage Underwriter
Alterra Home Loans aka/ Venta Financial Group Inc.
03.2015 - 09.2016
Mortgage Underwriter
Interthinx, Inc
01.2011 - 12.2011
Mortgage Underwriter
Bank of America
03.2008 - 09.2010
Mortgage Underwriter
First Franklin Financial Corp
10.2004 - 12.2007
Mortgage Underwriter Consultant
Trandon Associates – Employment Agency- Mortgage Underwriter
Mortgage Underwriter Consultant
I-Serve Residential Lending
Mortgage Underwriter Consultant
Nassau Educators Federal Credit Union
Mortgage Underwriter Consultant
Sunnyside Federal Bank
Associates Degree - Secretarial Science
Taylor Business Institute
FHA Direct Endorsed Certified, 10/2004
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