Sr. Loan Processor

Iris Vasquez

***** ****** ***** ***

Richmond, TX 77407

832-***-****/ 832-***-**** email: ********@*****.*** EDUCATION

BA in Business Administration and Management – American Intercontinental University 2007 AA Management – HCCS 2004

NMLS License #762112

EXPERIENCE

Fremont Bank Fremont, CA October 2020- December 2022 SR. Loan Processor

Averaged 40-50 files for underwriting, top performer while maintaining least amount of loss

Reviewed appraisals, title, home conditions, comps. NTVs

Income, credit analysis, documentation review, conditions clearing, liabilities assets assessment

Increased department revenues by processing and completing files in record time while providing quality service

Underwriting FHA/VA / Conventional

Cleared titles in record time

Selene Finance Houston TX December 2013- October 2020 Asset Manager/ Underwriter Risk Assessor

Strong knowledge of legal aspects of mortgage assessment

Evaluated recommendations for procedural changes and improvements as they pertain to the department

Reviewed appraisals, home conditions, comps. NTVs

Income, credit analysis, documentation review, conditions clearing, liabilities assets assessment Iris Vasquez • Page 2 • ********@*****.***

Increased department revenues by processing and completing files in record time while providing quality service

Underwriting FHA/VA / Conventional

Ocwen Financial Corp. (Formerly Litton) • Houston, TX • September 2012 - December 2013 Asset Manager/ Loss Mitigation Negotiator– Goldman Sachs– Top Performer Directly responsible for the prevention of loss for mortgage investors. Daily activities included; accomplishing workouts for loans in a serious state of default, including short pay offs, settlements, modifications, and deed-in-lieu of foreclosure

Part of a hand-picked top performance team

Underwriting- Income analysis, reviewed financial date for modification option, DTIs,

Appraisals and comparable review to determinate NTV and risk factors

Worked aggressively with consumer organizations Like NACA

Responsible for risk analysis on non-performing determining

New Hire Training

Litton Loan • Houston, TX • December 2006 – September 2011 Portfolio Manager for Goldman Sachs Whole Loans

Responsible for determining best loss-prevention methods for mortgage investors.

Top negotiator

Loss mitigation expert working on a fast paced day to day environment

Managed each asset to determinate the best option workout for each borrower

Modification income analysis, DTI/ NTV, investor waterfalls

Short Sales Deed in Lieu, Consent Judgments, Cash for Keys Foreclosure Counselor III

•Assisted borrower in foreclosure prevention but reviewing retention (modification, repayment plan options)

• Made sure foreclosure timelines were followed by communicated with foreclosure attorneys on a daily basis.

•Led and mentored individuals as needed to ensure investor guidelines are followed. Michael’s Formal Wear •Houston, TX • 1998-2006

Operations Manager –

Developed Operations Manager –

Developed marketing strategies to generate new sources of business while maintaining current business relationships. Researched local market and competition to produce new and repeat business from internal and external sources. Handle day-to-day operational duties.

Handle recruiting and training

Managed 6 employees

Payroll

SKILLS

Iris Vasquez • Page 2 • ********@*****.***

Top Negotiation Skills.

Technical skills include Microsoft office Excel, Microsoft Word, Power Point. Bilingual Spanish/ English REFERENCE

Jeffrey Garner Vice president at Specialized Loan Servicing 281-***-**** Joanne Ricardo Loss Mitigation Manager Flagstar Bank 936-***-**** Iris Vasquez • Page 2 • ********@*****.***

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