Account Manager Data Analytics

M. Carmen Flores

714-***-**** *********@***.***

SUMMARY-Professional profile:

Experienced professional with 28 years of broad level of technical skills sets to optimize performance levels within a Team player environment. Excellent organizational skills set that incorporate multitasking ability and attention to details. Excellent written and verbal communication skills while remaining focused in task with multiple interruptions. Fluent in Spanish

Technical: FHA, FNMA, FHLMC, VA, Multiple bond programs, Minnesota Housing, Nevada Housing, Florida Housing-MCC. Multifamily

•Audit Accuracy and Underwriting and auditing of compliance reviews in mortgage lending.

•QC Analyst- Due Diligence of mortgage back securities with excellent oral/written communication, interpersonal and analytical skills; experience with spreadsheets, contracts and basic data analytics.

•Proficient in (MS Outlook, word and power point)

•Programs: Empower, ACES, DU/LP, LOS, LPS Encompass, Datatrac, EPF, Origin, Trackvia, Sun soft. and other industries systems Lexus Nexis

Professional Experience

Pacific Commerce Insurance- Present

Commercial Insurance (Remote)

Account Manager/ Underwriter

Determines Policy coverages through analyzing and investigating data and policy terms.

Communicates with branch office case managers, policyholders, injured employees, witnesses’ claimants, state fund representatives, and involved parties, in order to gather information regarding the loss. Review invoice for accuracy and processes any requests for financing, works with clients and carriers on processing final Audits. Analyzes commercial lines accounts to make decisions based on individual risk characteristics, exposure analysis, hazard recognition and control.

Oct 16-21- November 2022 Cross Country Mortgage (Remote)

Forensic Underwriter

Review closed loan files to ensure that the loan meets agency or lender guidelines which include, but not limited to, Credit report review, income calculation, asset analysis, and collateral assessment. Collaborating with Underwriting Sales Processing, etc. to cure defects. Preparing formal written responses to agencies/investors in which an audit has been performed and deficiencies discovered. Coordinating with legal department regarding any potential fraud discovered to determine if SAR report should be filed.

2016-Oct 21 -Stearns Lending, (remote) Irvine, CA Sr Corp Underwriter-Credit Risk

Auditing 80-120 loans per month, maintaining 95- 98% accuracy. Accomplished over 50% of repurchased loans, in order to maintain companies, target of low risk loans utilized my Spanish speaking expertise. credit and compliance mortgage loans to validating underwriting FHA, VA, FNMA FHLMC and Bond Program loans. Underwriting capacity of closed loans with high level detailed and comprehensive review on mortgage loan files, 40% FHA loans 50% conventional and 30% bond programs to all lender, agency and investor guidelines.

Documentation, AUS, Credit, 1008 and Appraisal to ensure the file meets agency guidelines.

Responsible for Minnesota Housing loans, worked directly with investor and able to make sure loans met investor guidelines for sale ability. Met 98% of goal.

Responsible for a high-level review of all closing docs in file including but limited to completeness, documentation signature match on the whole loan purchase channel.

Responsible in determining all loans comply with Stearns Lending guidelines, if there are exceptions and approvals.

2012-2016-New American Funding, Tustin, CA QC Underwriter

Performed in-depth pre-fund quality assurance audits. Including detention and retention of prevention of loan fraud with extensive underwriting and guideline knowledge in Conventional and government loans.

Able to cure 50% of Re-Purchased loans to maintain companies low risk loans.

Perform risk analysis with identification of loan level defects with escalation to management.

Audit results incorporate risk ratings, standardized defect categories along with determination if the findings is related to underwriting, compliance or quality control related.

Ensure all loans are underwritten in accordance with all required investor and agency guidelines such as,

FNMA, FHLMC, HUD, VA, USDA and Jumbo.

2009 – 2012 - Sun West Mortgage Company, Cerritos, CA.

Underwriter

Review all asset, credit & income documentation based on FHA and investor guidelines on a paperless system.

Review subject property and appraisal in accordance to FHA making sure there are no marketability issues.

Review all income and calculate ratios to meet FHA guidelines.

Complete all appropriate screens (DU) & make and independent loan decision based on the capacity, credit, and collateral of the entire file.

Review & sign-off on all appropriate submitted conditions.

Provide excellent customer service.

2010– 2012 - Maxx Realty & Lending, Long Beach, CA

Underwriter

Help and assist the Account Managers in restructuring loans to meet investor guidelines.

Responsible for all Retail/Wholesale Agency

Coordinate all file funding after completion of the QC process Meet a minimum of 30 conditions a day and four loans underwritten.

Coordinate with IT for all Agency updates.

Supervise all aspects of operational customer service.

2008 – 2010 Agire Mortgage Quality Control, Orange, CA

Customer Service Specialist

Responsible for all FHA loans in the Principal Reduction pool

Collect & review all financial and credit information per guidelines.

Required to fund 100 loans per month.

Coordinate all funding with investor C-Bass on write-downs and short- pays to Provide excellent customer service.

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2006 – 2008 First Bank, Diamond Bar, CA

Account Manager

Present wholesale brokers with products and pricing

Originate FHA, VA, Agency and Jumbo product.

Manage pipeline, provide customer service, pre-qualify & price every loan Coordinate all approvals, conditions and loan funding.

2000 – 2006 Lehman Brothers Bank, Irvine, CA Senior Underwriter

Managed a pipeline of 100 Alt-A loans.

Underwrite all loans, restructure files to meet guidelines for appropriate approval.

Verified all documents for asset, credit, income verification to meet bank’s guidelines.

Underwrite 4 files per day.

Review conditions on 3 files per day.

Excellent references: Available upon request.

School: Loan Beach, AA in Child

Psychology, Criminal Justice

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