**** *. ****** ******,** ***** Cell 562-***-**** email: ht82rv@r.postjobfree.com

Leticia Val Verde

Experience 2010 -2011 Wells Fargo Home Mortgage Costa Mesa, CA

Underwriter

Underwriting and approving conventional mortgage loans; Averaged 4 – 5 loans per day.

Reviewed assets, title, appraisals, credit reports and calculated income

Analyzed debt to income ratios, loan to value, implemented fraud detection techniques; strong attention to detail

Explained rationale behind credit decision

Ensured that documents were consistent and upheld to company and industry guidelines

Excellent communication and interpersonal skills focused on providing overall customer satisfaction.

Manage competing priorities/multitasking; great analytical skills

Research/resolve inquiries

Review documentation for compliance

Maintain client files

Work well under strict deadline schedules while maintaining strong attention to detail

Proficient in MS Word; MS Excel; MS PowerPoint

1997–2010 Mark 1 Mortgage/ ERA Buy America La Palma, CA

Office Manager/Loan Officer/ Loan Processor/ Corp. Trainer

Increased fundings by 50%; Created structures and routines that built accountability, collaboration and initiative.

Superior people and leadership skills

Supported, trained, motivated and monitored 35+ Loan Officers

Originated purchase money and refinance home loans. FHA/VA/ Conventional financing.

Managed a staff of 12 processors; Effectively delegated assignments

Supervised mortgage operations personnel

Conducted Corporate training for new loan officers/ processors company wide; showing full range of mortgage financing solutions for purchase/refinance transactions.

Conducted compliance for FHA, VA, FNMA, FHLMC and DRE guidelines.

Underwrote and analyzed income documentation, title, verified employment, reviewed financial statements and deposits

Calculated debt to income ratios and reviewed appraisals

Submitted loans through automated underwriting engines such as DO/DU; LP; experience with Calyx Point ,FHA connection

Communicated with Escrow, Title, appraisers, borrowers and realtors

Listing and selling Agent; negotiated sales prices and listings prices; reviewed offers and counteroffers; real estate procedures

Proficient in MS Word; MS Excel; MS PowerPoint

Education Fullerton Junior College Fullerton, CA

Currently enrolled Business Management

Loan Officer School Santa Ana, CA

NMLS Endorsement #234306

Real Estate Trainers Sacramento, CA

DRE License Issued #01241058

Residential Loan Processing Baldwin Park, CA

Certificate of completion

Pomona Catholic High School Pomona, CA

Diploma received

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