LE ANDRA DE GUZMAN

310-***-**** addius@r.postjobfree.com

PROFESSIONAL EXPERIENCE

Highly motivated, self directed leader with over 23 year’s experience in banking, Customer Services and 9 years of experience as a Mortgage Loan Processor/ Loan Assistant, processing Mortgage Retail, Commercial, Refinance, Purchase, Conventional, SBA, Land/Mobil Home, Jumbo Loan, Loss Mitigation, Home Equity Line of Credit, Fannie Mae, Freddie Mac, VA, Foreclosure, HARP, Short Sale loans, Operations Compliance Analyst, Credit Collections, Federal Regulations as Bank Secrecy OFAC, AML, KYC, RESPA, TILA, SCRA, FCRA, ECOA, HMDA, PCCD’s, CFPB, TRID, and closing Disclosure. Seeking to bring talent and vision to a respected organization that values hard work, innovation and results. Experienced in working under minimal direction with a passion to enhance productivity and demonstrate management skills in a fast pace environments.

KEY STRENGTHS

Mortgage Loan Closer/Funding Loan Processor/Loan Assistant Mortgage Closing Disclosure Specialist

Post Closing Specialist Loan Servicing Specialist/Compliance HELOC Loan Processor

Call Center Member Services Inbound Contacts Enrollment Benefit Health Care

Credit Collection Specialist Collection Loan Representative Benefit Representative Agent

Teller/Customer Services Imports Administrative/Clerical Data Entry & Recording

Airline Passenger Services Agent/Ticketing/Gate Claims Analyst/Customer Services

WORK HISTORY

Account Temps / Credit Human FCU: July 27, 2019 – Dec. 20, 2019

Mortgage Loan Closer / Funder (Temp End)

. Prepare all closing loan documents such as the Promissory Note, Deed of Trust, Riders, Final 1003s, Closing Disclosures

or HUD

. Prior to closing, request fees from title/escrow and work with loan processor to issue Closing Disclosure to borrowers under

strict deadlines.

. Ensure fees and credits are itemized and listed correctly and in the proper sections on the Closing Disclosure; Compare fees

against Loan estimate, identify tolerance violation.

. Prepare and balance HUD-1s for RESPA loans.

. Review all signed loan documents, while checking for accuracy and completeness

. Work with loan processors, underwriters, and title companies to meet closing deadlines and clear funding conditions.

. Run compliance checks using automated systems to ensure loans meet QM, HPML, HOEPA, State and Federal requirements.

. Order wires, provide funding authorization, and disburse funds to title in both wet and dry states.

. Assist with post closing duties, including reissuing Closing Disclosures when necessary.

Inspirus Credit Union: Dec. 10, 2018 to May 17, 2019

Member Services Representative (Contract End)

. Responsible for performing telephone answering on multiline phone system, welcoming, answering and assisting and

or directing incoming calls to the most appropriate source for assistance.

. Evaluates need of the caller and handles call assisting with member needs, such as check payroll distributions, direct

deposit, maintenance od debit and ATM cards,/Debit card, credit card, check orders, assist with CDs and CD or

redemption, loan maintenance of online applications. Loan maintenance activities, member service request for

research and related issues, verifications of deposit, funds transfers, explanation of services fees.

. Directly answer the members the benefits and features of credit union products and services.

. Assist members/staff with online banking, Bill Pay and Informs supervisor of all discrepancies

British Airways: June 30, 2018 – Present

Passenger/Tickets Service Agent: (Part Time)

. Inspect and verify passenger documentation

. Issue boarding passes and reschedule passengers affected by flying interruptions or cancellations.

. Manage passengers as needed through arrival and check in processes including support for passengers with special

needs such as unaccompanied minors, VIP passengers and passengers needing wheelchair assistance.

. Direct passengers through customs, immigration, and quaratine, as required.

. Make public address announcement as required

. Assist Ramp Service Agents to ensure the wheelchairs, strollers and gate checked bags cleared through security are

made available for loading upon departure and delivery to passengers upon arrival.

. Operate equipment to include the jet way, computer, keyboards, and carrier specific reservation/ticketing software

. Accepts passenger luggage and creates and affixes bag labels to ensure proper delivery

BECU: Aug 6, 2017 to Feb 10, 2018

Mortgage Loan Closing Disclosure Services (Contract End)

Review all loan files upon receipt to meet current Service Level Agreements as defined by the closing department

process procedures.

•Manage pipeline and priorities and verify that all fees are complete and accurate based on loan type and

underwriting approval.

•Review Estimate HUD, Final Settlement and Closing Disclosure ensure all fees and costs to ensure that they meet

and program requirements.

•Assure Closing Disclosures are prepared for delivery within a timeframe that will allow the loan to close according customer expectations.

•Follow all current process/procedures regarding Closing Disclosure preparation and delivery.

•Ensure the following on all files

MUFG Union Bank: July 7, 2016 to June 16, 2017

Post – Closing Specialist (Contract End)

• Review closed loan packages in accordance with the most recent Post-Closing Checklist

* Audit files for compliance with TILA-RESPA Integrated Disclosure (TRID)

• Review notes, mortgages, and title policies for accurate dates, signatures, initials and complete notary

acknowledgement.

• Confirm all closing documents are assigned and dated properly

• Clear all post conditions as applicable

• Cure all post-closing and suspense items as well as communicate with post- closing insuring departments on status

• Bank and Service all assigned loans and review scans for accuracy

• Maintain acceptable timelines and QC score for post-closing activities

• Review Loan Approval Conditions report bi-weekly and maintain current comments regarding follow up

documentation.

• Responsible for submitting all MCC packages to the applicable entity for purchase/refinance

• Perform other duties as requested assigned

Washington State CU: March 2, 2016 to June 17,2016

Senior Mortgage Loan Processor (Contract End)

•Process FHA, Conventional, Jumbo, and VA mortgage loans.

•Review loan application file to verify that application data is complete and meets.

•Process applications from time of receipt of application to submission of the loan package to underwriting.

•Gather, organize and track loan documentation.

•Work with lenders, applicants, underwriters, appraisal dept. and others to complete processing, resolve customer service issues.

•Verify customer income documentation and resolve routine title issues including vesting issues and various liens.

•Execute closing actions to ensure a timely and effective closing process.

•Other duties and tasks assigned as needed by loan agent.

Stanford Law Group LLC: May 2014 to February 2016

Paralegal / Loan Processor / Loss Mitigation (Office Closed)

•Responsible for the daily processing of residential loan applications and managing a pipeline to meet closing deadlines.

•Reviews loan application file to verify that application data is complete and meets establishment standards, including type and amount of mortgage, borrower credit, income, assets, liabilities, and employment.

•Reviews all documents retrieved against those requested, analyzes for accuracy and or errors.

•Submits mortgage loan application file for underwriting approval is required time frames.

•Experience processing to a variety of investor guidelines.

Reviewing financial statements, credit reports, appraisals, analyzing DTI and LTV ratios

Order credit report, title policy, appraisal, Flood Cert, MERS, VOE, VOD, VOM and HUD and handle financial reports

Approve and deny loan request and validate fees for funding prior to closing, clear condition

• Implement fraud detection techniques. Ensure all documentation received is analyzed per company guideline

• Assisting with re negotiations of loans per lending guidelines

• Serving as a technical resource on problems solving

• Ensure all documentation received is analyzed per company guideline

•Assisting with re negotiations of loans per lending guidelines

• Serving as a technical resource on problems solving

COMPLETE BENEFIT ALLIANCE (CBA): Oct 2014 -Seasonal

Insurance Benefit Enrollment and Counselor’s Specialist

Gathers and interprets data to solve complex issues relating to the Health & Benefit product and services, while maintaining positive and professional relationships with internal and external partners.

Assists the team with escalated client calls and handles the situation through resolution to ensure the team has the resources to perform their tasks.

Reviews processes and streamlines daily tasks to maintain efficiencies within the department.

Maintains accuracy and integrity of employee’s benefit payroll deductions by researching and resolving any discrepancies with coverage or billing.

Responds to inbound calls and places outbound calls as required by the business unit to ensure issue resolution and client satisfaction. Maintains accurate recording of all internal entries.

Maintains documents and records to ensure compliance with all applicable state and federal insurance regulations.

Processes necessary documentation for qualifying life events while ensuring compliance with internal and external policies.

EXCEED Financial Credit Union: Nov 2011 to March 2014

Mortgage Loan Processor – (Laid Off)

•Responsible for the complete, accurate and timely set up of incoming member mortgage application packages including mortgage unit, including all relevant credit union and investor underwriting and documentation requirements.

•Review and verify borrower’s income, credit report, employment histories, appraisal and title insurance information to prepare loan to submit to underwriter.

•Responsible to learn and master, on a continuous basis, the use of automation, documentation and communications technologies utilized by the mortgage unit to originate first mortgage and other real estate loans.

•Responsible for the timely of the status and results of all mortgage related activities to their designated supervisor.

LA FCU: June 2010 to October 2011

Call Center Credit/Collection

Commercial Loan Consultants: August 2008 to April 2010

Call Center Customer Services / Negotiator Loans Servicing

Country Wide / Bank of America: November 2000 to August 2008

Underwriter 1 Loan Review / Foreclosure / Loss Mitigation

Santa Monica Bank: May 1988 to October 2000

Operations Team Leader / Call Center Customer Services/ Wire Loan Servicing

Education:

San Francisco State University

BBA: Finance and Business Management, 1985

Certificate:

Loss Mitigation – Bank of America-NMLS# #1662606

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