Leticia Jauregui

214-***-**** • ad1kuy@r.postjobfree.com • www.linkedin.com/in/lettyjauregui

Summary

Mortgage Professional with more than 15 years’ experience in the mortgage industry and outstanding comprehension of financial elements including assets, risk analysis, fraud investigation, cash flow, credit review, and other financial statements. Team-oriented with success in building relationships with sales agents to achieve business success. Experience

Mr. Cooper Coppell, Texas

Mortgage Underwriter November 2012 – April 2022

• Ensured loan submittals met internal and external eligibility requirements. Gained extensive experience in underwriting FHA, VA, USDA, and Conventional loans.

• Evaluated loan documentation credit reports, income, assets, title reports, judgements, bankruptcy documents, and appraisals.

• Maintained meticulous attention to detail in underwriting mortgages. Evaluated the financial strength of borrowers to determine the risk and repayment capacity.

• Worked closely with all operational departments to establish productive and efficient workflows.

• Communicated and documented reasons for approval or rejection of loans so clients and loan officers are well- informed of decisions, and ensures loans were following investor requirements, federal and state laws, and regulations.

• Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals.

• Assisted in clearing post-closing conditions to adhere to Investor Guidelines.

• Demonstrated excellent follow-through with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process. Citibank, N.A. Irving, Texas

Senior Loan Specialist May 2012 – November 2012

• Diligent and detail-oriented thorough in gathering borrower information, verifying loan documents, and reviewing file documentation to guide each loan from preapproval to closing.

• Responsible for daily review and underwriting escalations.

• Helped client to understand the terms of the best loan suited for them and their lifestyle.

• Communicated qualified assumption process, requirements steps with applicants.

• Resolve underwriting pricing and system escalations generated by file review.

• Submit completed application and documents to operations/underwriter.

• Ensured the privacy and security of a customer’s files every step of the way. Metlife Home Loans Irving, Texas

Suspense Coordinator December 2010 – May 2012

• Analyzed and evaluated documentation received from customers.

• Input any required information into the underwriting module accurately and within established time frames.

• Interacted with customers loan officers, underwriters, and managers to clear conditions. Skills and System Experience

• Lending & Underwriting Guidelines

• Credit & Income Analysis

• Cash-Flow Analysis

• Risk Assessment

• Loan-to-Value Ratios

• Debt-to-Income Ratios

• Conforming & Nonconforming Loans

• Loan Closing, Funding & Documentation

• Microsoft Excel

• Microsoft Word

• Microsoft Outlook

• Fluent in Spanish