MYRNA I. ARROYO

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

El Paso, TX 79928

305-***-**** mobile

adwjys@r.postjobfree.com

SUMMARY

Results-oriented individual with over 20 years’ experience in the Mortgage Lending Industry. Recognized for a meticulous approach to all tasks performed. I offer a well-rounded background in multiple functions of the mortgage lending process. Fully bilingual English/Spanish.

EXPERIENCE

MUFG UNION BANK N.A., San Diego, CA (Remote) 9/2012 - Present

Mortgage Loan Underwriter -Wholesale Division (4/2019 to 4/21/23) reason for leaving bought out by US Bank

Experience underwriting jumbo/super jumbo loans for wealth clients with complex tax returns and financial statements. Analyze risk potential via assessment of financial statements, credit rating and collateral. Review of loan approval conditions prior to funding a loan. Communicate with residential lending sales, brokers, customers, and operations staff regarding non-loan origination activities such as loan decisions, conditions, scenarios, and underwriting guidelines. Make sound credit decisions with designated lending authority up to $1.1 million.

Selected for a coaching role of new hire underwriters to help them navigate through the onboarding process for their first 120 days.

Wholesale Sr. loan Processor (9/2012 -4/2019)

Key role function was to pre-underwrite loan files in accordance with MUFG lending policies. Review all files for accuracy and completeness. Respond to complex loan inquiries daily. Review & sign off conditions per signing authority.

In 2016, chosen to train the entire new wholesale processing group in the newly opened Tempe AZ Wholesale Ops Center.

In 2018 tasked to co- pilot and craft the Underwriting Mentorship Program for processors.

BANK OF AMERICA, Fort Lauderdale, FL 07/2010 – 9/2012

Mortgage Loan Modification Underwriter

Underwrite existing BAC loans for MHA and Non-MHA loan modification programs while adhering to federal and bank guidelines. Respond to individual and investor audits. In addition, assigned as acting team lead for a team of 7 underwriters when the team lead was unavailable. Also required to maintain an elevated level of customer service by taking initiative-taking in communication with customers, include banking center associates, realtors, etc.

All About Staffing/HCA Affiliate, Sunrise, FL 09/2008 – 6/2010

Healthcare Recruiter

Assisted HCA hospitals staffing requirements by pro-actively sourcing specialty and non-specialty clinical candidates as well as effectively communicating requested needs to contracted vendors.

Maintain on-going facility relations management, candidate presentation management & Candidate retention/replacement management.

ACE MORTGAGE FUNDING, LLC, Fort Lauderdale, FL 03/2007 - 08/2008

Office/Compliance Manager (reason for leaving – business closed in 2008)

Oversaw and train branch personnel as well as assist staff and corporate office with branch payroll, licensing, and transfer needs. Administer compliance & quality control measures for branch. Prepared QC reports & rebuttals for corporate auditors on monthly basis. Maintained loan quality, performed extensive loan file review to comply with state & government regulations. Track marketing efforts & results, monitor all monthly reports including implementing budgets where necessary.

NEW CENTURY MORTGAGE CORP., Miami Lakes, FL 05/2001 – 03/2007

Sr. Mortgage Loan Underwriter (reason for leaving business Closed in 2007)

Underwrote primarily Sub-prime, Jumbo, Niche and Alt A loan products for both the wholesale & retail divisions. While adhering to company guidelines and ensuring loans meet company standards for sale to secondary markets.

Experience underwriting loans to multiple investor pools.

Knowledge of federal & individual state compliance regulations. Underwrote loans for most of the fifty states.

Transferred from San Diego, CA to Miami, FL in early 2004 in same capacity.

MYRNA I. ARROYO PAGE TWO

ADVANTA NATIONAL BANK, San Diego, CA 02/1998 - 04/2001

Funding Supervisor (1999 – 2001) Reason for leaving- bank bought out by Chase

Managed a team of seven loan funders while supporting a 90M+monthly mortgage loan production volume for 60+ retail branches nationwide. Performed in-depth pre-funding review of signed legal loan documents to ensure the accuracy of the mortgage transaction prior to requesting funds.

Hand-selected by upper management to successfully launch a new centralized funding department from start-up.

Researched, screened & selected three top national vendors to issue and process all titles & disbursements, directly resulting in a higher level of customer service.

Branch Training Specialist (1998 – 1999)

Coached retail branch and corporate personnel to resolve system-related problems and training in all aspects of the loan process. Such as, mortgage lending policies & procedures, legal document preparation & processing loans on-line.

Supplied on-site training & auditing of the Western Region Retail branch sales team – 30% of time.

Worked directly with upper management on implementation of new products, new branches and/or new states.

Performed testing of loan sets, forms & new products for branch level distribution.

AMERICAN GENERAL FINANCE, INC., Oceanside, CA 04/1997 - 02/1998

Financial Representative

Marketed mortgage programs to a network of customers and other lead sources to achieve monthly production goals. Originated and processed real-estate and personal property loans.

TRANSAMERICA FINANCIAL SERVICES, San Diego, CA 06/1994 - 04/1997

Assistant Manager

Supervised a sales team of six Loan Officers which included motivating and training sales personnel to achieve &/or surpass their production goals. Produced daily tracking reports for branch sales, liquidation, and delinquency.

Promoted to Assistant Manager from loan officer in less than 2 years.

Cultivated & maintained referral sources such as banks, finance companies, real estate agents & home improvement centers/outlets.

EDUCATION

B.A., International Business, San Diego State University, San Diego, CA

May 1993

SELECTED SEMINARS

“Managing for business Results” – AMC Management Training Seminar

“The Icebergs of Personality” Myers-Briggs Indicator Mgmt Seminar

“Targeted Selection Interviewer Workshop” – DDI (Development Dimensions Int’l) Seminar

“Safety in the workplace/Managers role in conflict resolution” – Paul Michael Viollis Sr., MPA

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