Customer Service Quality Control
Resume:
Jason A. Valencia
Kissimmee, FL 34758
Objective: To obtain an opportunity within the mortgage industry utilizing my skills and
experience with the intent to advance in the field
Professional Experience
Wells Fargo Home Mortgage- November 2010 to present
Mortgage Underwriter
• Perform full review of Home Affordable Refinance Program (HARP) loans.
• Comply with Fannie Mae and Freddie Mac guidelines.
• Provide excellent customer service to borrowers and Home Mortgage Consultants.
• Review all aspects of loan files including income, credit, assets, title, hazard,
disclosures, HOA certifications, appraisals, and AVM’s.
• Maintain strict due diligence on all files whether approvals or declinations.
• Remain alert to documentation inconsistencies or potential misrepresentation.
Digital Risk LLC- March 2009 to November 2010
Forensic Underwriter/ Loan Processor
• Perform forensic underwriting review of closed mortgage loan files
• Review AUS and manual underwriting approvals and determine whether documents
included in the file adequately satisfy the required conditions
• Review employment documentation and re-calculate income documentation for
completeness and accuracy
• Review and recalculate asset documentation
• Review and analyze borrower’s mortgage applications, credit reports, title commitments,
real estate purchase contracts, and other related documents
• Identify underwriter negligence and provide written details as to where and why the
underwriter was negligent
• Identify fraud, misrepresentations, and errors made in the origination of the loan
• Measure the overall quality of loan files considering the numerous parties involved at
origination and their various roles/responsibilities
Spherion Staffing- August 2008 to January 2009
Enrollment Specialist
• Consult and enroll employees in health care benefits
• Discuss and educate Medicare choices with eligible retirees
• Answer high volume phone calls and emails while maintaining high performance levels
• Operate multiple computer applications during stressful enrollment periods
• Explaining prescriptions and allowable procedures pertaining to each individual
insurance coverage
Countrywide Home Loans- March 2005 to April 2008
Underwriter Associate/ Re-verification Technician
• Stack a complete mortgage loan file and bookmark
• Review file and resend all verifications according to standard operating procedures
• Confirm all parties to the transactions had valid licenses at the time the loan closed
• Confirm and CPA letters and tax returns.
• Correspond with Mortgage Brokers and Loan Officers to solidify future business and
investment
• Create and clear all conditions created by the Underwriter to ensure quality control
requirements are met
Other Skills and Abilities
E-copy, Outlook, Microsoft word, Excel, Access, Lotus Notes, Power point
Education
Berkeley College- September 1996 to March 1998
Associates Degree in Business Management
University of Phoenix- August 2008 to present
Bachelors Degree in Health Administration
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