Fountain Valley Business Development
Resume:
ESTHER (REGINA) GUTIERREZ
Fountain Valley, CA 92708
909-***-**** Email: *******@***.***
Dear Sir/Madam:
The enclosed resume highlights my comprehensive experience over the past thirty-three years in retail and wholesale mortgage lending.
My goal is to join a firm that requires the immediate use of the skills I have acquired or can adapt to newer skills using my past experiences to better myself and the company I would like to work for. You will find me to be knowledgeable, accurate, and highly organized, with the ability to meet deadlines even under stressful conditions. I have often been commended on my interpersonal skills and ability to promote a positive environment.
I would appreciate the opportunity to discuss my background in greater detail in a personal interview.
Sincerely,
Esther (Regina) Gutierrez
Enclosure
ESTHER (REGINA) GUTIERREZ
10190 Warner Ave., Apt. B Fountain Valley, CA 92708
909-***-**** Email: *******@***.***
SUMMARY
Over thirty-three years’ experience in all aspects of retail and wholesale mortgage lending, staff supervision, business development, government and conventional loan processing, and funding.
SKILLS &QUALIFICATIONS:
Compliance disclosure experience, Account Management experience, Ability to train, motivate and develop sales team Knowledgeable in Microsoft Word, PowerPoint, Excel, Outlook, DocMagic, Empower systems, Datatrac/Intrac, Encompass Paperless systems, Data Entry, Typing 45 WPM
Good aptitude for math with accurate problem identification and resolution skills Extensive Legal Document Auditing experience, Customer service oriented EXPERIENCE
LOAN DEPOT.COM LLC Foothill Ranch, CA - 2022 – 2022 PFQC Senior Auditor – As a loan auditor, my daily task was to examine the accounting records of a loan to help ensure that it complies with all relevant regulations, including both company guidelines and state or federal lending laws.
• Track the cash flow and accounts of companies to ensure that they are being recorded and processed correctly
• Audit loans relating to credit, collateral, capacity, and compliance AND maintain a 95% or higher rate of accuracy
• Enter review results into auditing system
• Prepare audit findings, write audit reports, and develop recommendations
• Ensure accuracy of financial information Help design, implement, and maintain internal audit procedures and risk assessment processes
• Review internal Quality Assurance results, and discuss feedback with manager for response
• Stay current on industry trends, and best accounting and audit practices LOAN DEPOT.COM LLC Foothill Ranch, CA - 2020 - 2022 Senior Closer – responsible for fine-tuning the final details of the loan. Ensure all closing documents are in order and the mortgage funds make it to the correct parties on time so you can become the official owner of your home.
• Verify that all documents are accurate
• Finalize closing docs on purchase and refinance transactions
• Set up wire of funds to escrow or attorney’s bank
• Ensure completeness, accuracy, and compliance of submissions in accordance with Toorak guidelines and applicable laws/regulations
• Review executed closing documents to ensure compliance with internal policies and obtain all required trailing documents
STEARNS’ LENDING, INC. Santa Ana, CA - 2010 – 2020 Senior Funder – Under the direction of the Closing Manager, Funder is responsible for preparing loan packages for closing as well as funding loans.
• Reviews loan packages for required documentation.
• Ensures loan packages meet compliance guidelines; fixing discrepancies as necessary.
• Inputs and confirms data required to generate closing documents.
• Generates Review and Approve Closing Package.
• Serves as liaison between Stearns Lending and closing agent.
• Generates, reviews and approves HUD1/Settlement Statement, final closing disclosures.
• Calculates funding amount for each loan package.
• Balances figures with closing agent.
STEARNS’ LENDING, INC. Santa Ana, CA 2009 – 2010
Suspense Support Auditor – Underwrite and resolve issues with closed loans that have been rejected by investors interacting with investors including major banks; perform responsibilities of Quality Control Auditor when needed.
• Secure additional conditions from various branches and contact borrowers, appraisers, or banks to identify the specific problem
• Review the information to ensure problems are solved and forward to the investors; sign off on the loan and input current information in computerized system
• Review residential loans sold to investors for accuracy including borrowers’ employment, assets, and gift funds
• Review mortgage brokers and prepare “Mortgage Broker Report Card” SUNWEST MORTGAGE CO. Corona, CA 2004 – 2008
Wholesale Loan Coordinator/Junior Underwriter – Assisted Branch Manager and twenty account executives in developing, underwriting, and ensuring that wholesale loans are closed in a timely manner.
• Handled a heavy load of FHA and conventional loans
• Assisted underwriters in signing off on all conditions
• Worked closely with Funding, Document, and Secondary Market Departments PROVIDENT BANK MORTGAGE Rancho Cucamonga, CA 2001 – 2004 Wholesale Loan Coordinator – Developed relationships with mortgage brokers; assisted account executives in closing home loans.
• Worked with Secondary Marketing, Underwriting, Document, Funding, and Insuring/Shipping Departments
• Solicited Brokers for new business
HILLCREST FUNDING Rancho Cucamonga, CA 1999 – 2001 Funding Supervisor/Secondary – Market Responsible for a staff of three in funding FHA, VA, and conventional loans.
• Trained staff
• Drew all loan documents
• Locked loans on the secondary market and shipped to appropriate investors ESTHER (REGINA) GUTIERREZ/2
EXPERIENCE – continued
TRUST ONE MORTGAGE Rancho Cucamonga, CA 1999 – 1999 Senior Loan Funder - Prepared loan documents and funded loans for this Wholesale Division.
• Trained staff; reviewed conditions and documents
• Solicited business from brokers; interacted with title and escrow company personnel on a daily basis; entered preliminary underwriting into computerized system
• Cut and disbursed broker checks; handled receivables COUNTRYWIDE CREDIT INDUSTRIES Rancho Cucamonga, CA 1996 - 1999 Senior Loan Funder - Prepared loan documents, funding an average of 200 loans per month, and functioned as Acting Supervisor for this Wholesale Division, primarily handling government loans.
• Trained staff; reviewed conditions and documents; entered preliminary underwriting into computerized system; cut and disbursed broker checks
• Interacted with brokers, title and escrow company personnel on a daily basis
• Handled receivables; solicited business from brokers FCMC MORTGAGE CO. West Covina/Riverside, CA 1991 - 1996 Senior Loan Funder/Broker Loan Coordinator
Funded FHA/VA/conventional loans in the Wholesale Division; solicited business from brokers, drew documents; ensured accuracy of documents; shipped loans to investors.
• Submitted conditions to underwriters for loan approval Loan Processor – Processed loans through funding in the Retail Division. HOME FED BANK dba NATIONAL HOME MORTGAGE Riverside, CA 1986 – 1991 Funding Supervisor – Supervised funding of loans in Wholesale and Retail Lending Divisions.
• Hired, trained, and supervised staff of five
• Developed and maintained strong business relationships with Mortgage Brokers and Loan Officers
EDUCATION/LICENSES/CERTIFICATION
AMERICAN SCHOOL OF MORTGAGE BANKING FHA Direct Endorsement Class 2002 LOS ANGELES CITY COLLEGE Los Angeles, CA
Business and Accounting
Real Estate Sales License - Current
HOME FED BANK TRAINING:
Leadership and Supervisory Skills for Women 1990 Mortgage Loan Underwriting Certificate 1989 Advanced Loan Officer Sales and Marketing 1989
SPECIAL SKILLS
Computer literate
PERSONAL
Ability to Travel
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