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Loan Mortgage

San Antonio, TX
February 22, 2020

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Edward M Fernandez

**** ********, *** *******, ** Cell 210-***-****


High energy leader with 9+ years in the mortgage and banking industry; while delivering exceptional service and a focus for details. Ability to tackle problems and uses strong judgement in difficult situations, balancing risk and reward. 4 years loan processing experience focusing on members needs and offer solutions for member needs. Management experience in leadership expanding over the areas of; Outsourcing, Client Relationships, Mortgage Underwriting, Mortgage Processing, Loss Mitigation, and Post-Closing.


Loan Processor 1 (USAA, San Antonio, TX) 2017 to Present

Primary point of contact for home mortgage purchases and refinance loan transactions through loan closings, focusing on VA and Conventional loan products. Responsible for providing quality loan processing while delivering exceptional member experience for USAA Employees, Military members, High Profile members, Realtors, and Third Parties.

Exceeded file accuracy goal of 90%, averaging file quality audit scores of 96.17%

Exceeded loan approval goal of < 15 days, averaging loan approvals in 5.9 days

Analyze financial and credit data to determine loan risk

Audit credit reports, appraisals, flood certs, and title reports

Coordinate and schedule loan closings

Maintain key loan matrix standards to ensure loan closes within 30 days.

Home Loan Processor 3 (Wells Fargo, San Antonio, TX) 2015 to 2017

Process a variety of home loan mortgage documentation duties on VA, FHA, and Conventional loan products. Reviews, organizes, and collects loan documentation to ensure timeliness and accuracy in submitting credit files to underwriting for approval. Analyzes and interprets financial data to meet company parameters but not limited to: income calculation, asset verification, credit reports, appraisal, title, and insurance.

Responsible for meeting monthly funding goal of at least 50% of pipeline

Maintain close on time goals of at least 95%

Sustain customer contact goals

Team Lead – Mortgage Lending Services (Accenture, San Antonio, TX) 2014 - 2015

Responsible for the day to day post-closing mortgage lending services operations for a large US bank to insure documentation accuracy. Led team of FHA and VA analysts responsible for the insuring process to package loans for investor delivery.

NMLS Licensed in FL, CT, LA, and WI

Led Post-Closing Analyst Team for Closing Setup Procedures, Exceptions Clearing, Insuring FHA/VA Loans, Preparation of Assignments and Loan Legal Descriptions

Responsible for Measuring and Analyzing Reporting Metrics relating to client Production and Quality Audit Deliverable Requirements

Partnered with client to develop Job Aides for all Post-Closing and Delivery Processes

Trained staff on all Post Closing and Delivery Processes

Team Lead – First Mortgage Underwriting (Accenture, San Antonio, TX) 2012 – 2013

Responsible for the day to day 1st lien mortgage loan underwriting operations for Conventional, FNMA,

FHA loan products.

Responsible for client production deliverables, including but not limited to loan volume, quality control, load leveling, pipeline management and reporting

Achieved $417,000 client credit lending authority

Underwrote Desktop loan programs while performing income, credit, appraisal, and asset analysis on conventional mortgage loan files.

Completed NMLS 20 hour pre-license and testing requirements.

Team Lead – Loss Mitigation (Accenture, San Antonio, TX) 2012 – 2012

Led and managed the day to day loss mitigation operations assisting with screening initial loan documentation processing support and evaluating eligibility of loan modifications.

Analyzed and evaluated metric process reports ensuring customer production and quality

deliverables were exceeded

Exceeded client production expectations by 39% thirty days after initial training

Increased quality audit scores in 30 days from a team average of 88.98% to 100%

Loan Administration Manager 2 (Wells Fargo, San Antonio, TX) 2011- 2011

Managed and led the operations of the 1st lien mortgage loan underwriting and closing activities on Conventional, FHA, and VA loan mortgages.

Reduced turnaround time on initial underwriting decisions from 7 days to 2 days.

Reduced turnaround time on mortgage loan commitment decisions from 8 days to 2 days.

Loan Administration Manager 1 (Wells Fargo, San Antonio, TX) 2009 - 2010

Led and oversee loss mitigation loan processing, documentation, pre-closing/closing, loan servicing, and underwriting activities, while offering FHA mortgage assistance options to delinquent customers.

Responsible for hiring 100 personal for new start up department within 90 days

Assessed customer financial and hardship situations while evaluating loss mitigation options to help delinquent customers keep their home

Trained team members on departmental procedures, FHA investor guidelines, & mortgage banking principals

Streamlined team closing process to increase monthly mortgage loan funding’s by 38%


University of Texas at San Antonio, San Antonio, TX. Master’s degree in Business Administration

New Mexico State University, Las Cruces, NM. Bachelor’s degree in Business Administration

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