Customer Service Real Estate

USAA Classification: Confidential

PATRICIA GUZMAN

***** ********* ******, *** *******, TX 78249 210-***-**** ************@*****.***

SKILLS

• Attention to Details

• Problem Solving

• Financial History Analysis

• Creditworthiness Determination

• Customer Service

• Decision Making

• Effective Communication Skills

• Multitasking and Prioritization

EXPERIENCE

USAA FEDERAL SAVINGS BANK- SAN ANTONIO, TEXAS JUN 2002 – OCT 2022 REAL ESTATE UNDERWRITER---CONVENTIONAL/ VA LOANS 2012-2022

• STRENGTH IN ANALYZING AND RISK ASSESSMENT ON CREDIT APPLICATIONS FOR MORTGAGE LOANS IN ACCORDANCE WITH THE COMPANY, INVESTOR, LENDING COMPLIANCE AND REGULATIONS.

• EVALUATE ENTIRE CREDIT PACKAGE AND COLLATERAL DOCUMENTS

• EMPLOYED EFFECTIVE CRITICAL THINKING SKILLS IN EVALUATING INCOME, ASSETS, CREDIT AND LOAN DOCUMENTS

• MAINTAINED EXPERT KNOWLEDGE OF ALL PRODUCTS AND SERVICES BY SERVING AS CONVENTIONAL/VA LOAN SME FOR PURCHASES AND REFINANCES REAL ESTATE PROCESSOR 2008-2012

• PROCESSED CONVENTIONAL AND VA IRRRL HOME LOAN REQUEST AND MEMBER ISSUES FOR ALL MORTGAGE PRODUCTS

• EFFECTIVELY RESPONDED TO MEMBER AND THIRD PARTY PHONE CALLS AND/OR EMAILS TO KEEP ALL PARTIES INFORMED

• SUCCESSFULLY EXCEEDED SERVICE LEVEL OBJECTIVES AND ALL OBJECTIVES

• COMPLETED ALL NECESSARY TASK ASSOCIATED WITH MEMBERS TRANSACTION IN A TIMELY AND ACCURATE MANNER

USAA Classification: Confidential

HOME EQUITY PROCESSOR/UNDERWRITER 2002-2008

• EXAMINED AND VERIFIED INFORMATION IN LOAN APPLICATIONS AND CLOSING DOCUMENTS

• ORGANIZED, FILED AND MAINTAINED CUSTOMER, DEPARTMENT AND REGULATORY LOAN RECORDS

• CHECKED APPLICATIONS CREDIT, INCOME AND ASSETS FOR APPROVAL

• PREPARED AND DELIVERED LOAN DOCUMENTS TO THE TITLE COMPANY

• CONVEYED ACCEPTANCE OR REJECTION TO CUSTOMERS BY EMAIL, TELEPHONE OR MAIL. EDUCATION

BBA FINANCE/ACCOUNTING

TEXAS STATE UNIVERSITY/ SAN MARCOS, TX

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