Audrey (Adriana) Sanchez

**** ******* ****

Riverside, CA 92506

Cell 951-***-****

NMLS 1166918 ac7sfu@r.postjobfree.com

https://www.linkedin.com/in/adriana-sanchez-294481144/

Objective: To find a position where I can make the best use of my years of experience and knowledge. To secure a stable position with a strong reputable company and continue to grow and learn with the changes of the industry.

EMPLOMENT HISTORY

NMSI, Inc. (Julie Park 714-***-**** ext. 102)

330 E Lambert Rd Suite #250, Brea, CA 92821

May1, 2018 to Nov 2, 2018 SR. FHA Underwriter

First Liberty Bank (Gil Barteau 405-***-****)

9601 N May Ave

Oklahoma City, OK 73120

August 28, 2017 to Feb 1,2018 Processing Supervisor

Provident Savings Bank (Casey Nuckolls 951-***-****)

10370 Commerce Center Dr. #110

Rancho Cucamonga, CA 91730

August 01, 2014 to August 25, 2017 Operations Manager

Provident Savings Bank (Jim Martinez 951-***-****)

6529 Riverside Ave. #160

Riverside, CA 92506

June 2010 to August 2014 Sr. Loan Processor

Bank of America (Francine Delgado 888-***-****)

3400 Central Ave, Riverside, CA 92506

December 2009 to June 2010 HSSI

CTX Mortgage (Joe Kimball 949-***-****)

1265 Corona Pointe Suite #115, Corona, CA 92879 (Builder) 8141 Kaiser Blvd. #312, Anaheim, CA 92808 (Retail)

December 2005 to March 2008 Sr. Loan Processor ( Builder) April 2000 to January 2005 Ops Mgr. (Retail)

WORK EXPERIENCE

Human Resources:

Correct and approve time cards

Approve New Vendors

Process Check Request and Bill Payments

Prepare Annual Reviews

Interview for new hire and perform exit interviews for termination

Verbal and Written Counseling as required

Quality Control

Perform Audit prior to loan sent to Investor

Research/ Answer Corporate and Investor Audit Findings

Branch Compliance Officer: Disclose all branch loans.

Complete all cancel/declines based on dashboard reports

Second Signature Declines

Create forms, policy and branch procedures

Track Post Funding and Escrow Hold Back

Manage pipeline for compliance dates.

Approve New Vendors

Process Check Request and Bill Payments

Operations:

Retail/Wholesale

Process Overflow, Rush and Difficult Loans / Cover for Processors when out or on vacation.

Help Processor with VA Purchase / IRRL Calculations, CALHFA / ZIP loan amounts

Process Employee loans for Corporate Underwriting

Underwriter Conventional/FHA, Jumbo 1-4 unit SFR, PUD, Condo, Manufactured Home Purchase/Refinance via DU/LP/ Manual Underwrite. Signing Authority up to $600,000.00

Delegated MI Underwriter

Underwrite Prelim calling out Endorsement

Underwrite Appraisal, review and/or complete, UCDP, FHA EAD SSR & Appraisal Logging

Order FHA/VA Case Number (Retail & TPO), Appraisals, Certificate of Eligibility, Reinstatement of Eligibility

Complete LPD/GSA Verifications of all Parties

Calculate income: W-2, 1040, 1065, 1120 & 1120's

Calculate Residual Income for comp factor when needed

Spec Construction, Builder and Resale Market

Conventional Condo Project approval limited and full review via FNMA CPM . review of HOA Cert, Budget and Fidelity Bond & Master Policy.

Issue Closing Disclosure and Final Loan Documents

Order estimated Settlement Statement, verify minimum required investment/cash back.

Order/review Hazard Insurance for sufficient coverage amounts and data accuracy

Audit Funding Figures and Authorize Wire

Train Existing and New Staff on software. Help with Encompass Testing prior to roll out at Provident.

Handle Prequals and Preapprovals

LOS used along with FNMA DU / Day One Certainty /FHMLC LP

NMSI Inc.: N'press / Point

Provident Savings Bank : Empower / Encompass

Bank of America: Clues

States Experience in:

California,Arizona, Georgia, Virginia, Maryland, Texas, Oklahoma and Ohio

Achievements

Increase in branch production resulting in Provident Bank Rancho Cucamonga Office consistently being in the top three for production and Quality Control Score going from below company standards of 5.0 to exceeding minimum requirement of 3.0 averaging 2.0 - 1.5%. Incresed P & L due to low cost to cure TRID Violations.

Maintaining company quality control rating ensuring CTX Branch Manager receipt of bonus factored on office quality.

Creating forms, procedures and training First Liberty Bank resulting in increased efficiency on turn times and closing.

Work with Staff Underwriters and Sales Team for alternative solutions in documentation. Restructure loans as needed for qualifications and to meet Investor guidelines.

References you can call:

Yong Choi 909-***-****

Daniel Aponte 909-***-****

Mikel Dunnagan 405-***-****

Audrey (Adriana) Sanchez

5627 Durango Road

Riverside, CA 92506

Cell 951-***-****

NMLS 1166918 ac7sfu@r.postjobfree.com

https://www.linkedin.com/in/adriana-sanchez-294481144/

Objective: To find a position where I can make the best use of my years of experience and knowledge. To secure a stable position with a strong reputable company and continue to grow and learn with the changes of the industry.

EMPLOMENT HISTORY

NMSI, Inc. (Julie Park 714-***-**** ext. 102)

330 E Lambert Rd Suite #250, Brea, CA 92821

May1, 2018 to Nov 2, 2018 SR. FHA Underwriter

First Liberty Bank (Gil Barteau 405-***-****)

9601 N May Ave

Oklahoma City, OK 73120

August 28, 2017 to Feb 1,2018 Processing Supervisor

Provident Savings Bank (Casey Nuckolls 951-***-****)

10370 Commerce Center Dr. #110

Rancho Cucamonga, CA 91730

August 01, 2014 to August 25, 2017 Operations Manager

Provident Savings Bank (Jim Martinez 951-***-****)

6529 Riverside Ave. #160

Riverside, CA 92506

June 2010 to August 2014 Sr. Loan Processor

Bank of America (Francine Delgado 888-***-****)

3400 Central Ave, Riverside, CA 92506

December 2009 to June 2010 HSSI

CTX Mortgage (Joe Kimball 949-***-****)

1265 Corona Pointe Suite #115, Corona, CA 92879 (Builder) 8141 Kaiser Blvd. #312, Anaheim, CA 92808 (Retail)

December 2005 to March 2008 Sr. Loan Processor ( Builder) April 2000 to January 2005 Ops Mgr. (Retail)

WORK EXPERIENCE

Human Resources:

Correct and approve time cards

Approve New Vendors

Process Check Request and Bill Payments

Prepare Annual Reviews

Interview for new hire and perform exit interviews for termination

Verbal and Written Counseling as required

Quality Control

Perform Audit prior to loan sent to Investor

Research/ Answer Corporate and Investor Audit Findings

Branch Compliance Officer: Disclose all branch loans.

Complete all cancel/declines based on dashboard reports

Second Signature Declines

Create forms, policy and branch procedures

Track Post Funding and Escrow Hold Back

Manage pipeline for compliance dates.

Approve New Vendors

Process Check Request and Bill Payments

Operations: Retail/Wholesale

Process Overflow, Rush and Difficult Loans / Cover for Processors when out or on vacation.

Help Processor with VA Purchase / IRRL Calculations, CALHFA / ZIP loan amounts

Process Employee loans for Corporate Underwriting

Underwriter Conventional/FHA, Jumbo 1-4 unit SFR, PUD, Condo, Manufactured Home Purchase/Refinance via DU/LP/ Manual Underwrite. Signing Authority up to $600,000.00

Delegated MI Underwriter

Underwrite Prelim calling out Endorsement

Underwrite Appraisal, review and/or complete, UCDP, FHA EAD SSR & Appraisal Logging

Order FHA/VA Case Number (Retail & TPO), Appraisals, Certificate of Eligibility, Reinstatement of Eligibility

Complete LPD/GSA Verifications of all Parties

Calculate income: W-2, 1040, 1065, 1120 & 1120's

Calculate Residual Income for comp factor when needed

Spec Construction, Builder and Resale Market

Conventional Condo Project approval limited and full review via FNMA CPM . review of HOA Cert, Budget and Fidelity Bond & Master Policy.

Issue Closing Disclosure and Final Loan Documents

Order estimated Settlement Statement, verify minimum required investment/cash back.

Order/review Hazard Insurance for sufficient coverage amounts and data accuracy

Audit Funding Figures and Authorize Wire

Train Existing and New Staff on software. Help with Encompass Testing prior to roll out at Provident.

Handle Prequals and Preapprovals

LOS used along with FNMA DU / Day One Certainty /FHMLC LP

NMSI Inc.: N'press / Point

Provident Savings Bank : Empower / Encompass

Bank of America: Clues

States Experience in:

California,Arizona, Georgia, Virginia, Maryland, Texas, Oklahoma and Ohio

Achievements

Increase in branch production resulting in Provident Bank Rancho Cucamonga Office consistently being in the top three for production and Quality Control Score going from below company standards of 5.0 to exceeding minimum requirement of 3.0 averaging 2.0 - 1.5%. Incresed P & L due to low cost to cure TRID Violations.

Maintaining company quality control rating ensuring CTX Branch Manager receipt of bonus factored on office quality.

Creating forms, procedures and training First Liberty Bank resulting in increased efficiency on turn times and closing.

Work with Staff Underwriters and Sales Team for alternative solutions in documentation. Restructure loans as needed for qualifications and to meet Investor guidelines.

References you can call: Yong Choi 909-***-**** Daniel Aponte 909-***-**** Mikel Dunnagan 405-***-****

Contact this candidate