Quality Control, Mortgage Underwriting, Bank Operations

Travis J Vega

Taylorsville, Utah 801-***-**** ******.*****@*****.***

Hardworking and reliable Mortgage Underwriter with 15+ years of bank operations and end-to-end loan cycle management expertise. Analytical and detail-oriented with a rich history of smoothly executing loan processing functions by maintaining compliance with all state, federal, and government requirements to achieve organizational goals and objectives. Committed to producing impactful results by building collaborative partnerships with cross-functional teams in fast-paced, high-pressure environments.

Professional Experience

Select Portfolio Servicing Salt Lake City, Utah

Foreclosure Specialist November 2022 - April 2023

● Upheld high standards by complying with banking policies, lending practices, and regulatory statutes to ensure smooth operations at all times

● Delivered subject matter expertise while systematically reviewing all loans in detail for sign-off and accuracy

● Achieved positive results by facilitating regulations and compliance reviews for completed home loans and foreclosures

Digital Risk Maitland, Florida- Remote

Sr. Associate Mod - Underwriter August 2020 - September 2022

● Strengthened banking operations by leading end-to-end facets related to quality control and compliance

● Improved the underwriting process by conducting internal audits and performing investigations to identify reasons for failed loans and mortgages

● Managed competing priorities by facilitating home loan modifications and performing escrow analyses to align with stringent timelines

Brinks Salt Lake City, Utah

Vault Teller July 2019 - July 2020

● Provided prompt, efficient, and accurate customer service by processing transactions and communicating account balance information to improve brand loyalty

● Balanced the cash drawer daily by verifying amounts, wrapping currency, and following teller performance guidelines to process cash differences

● Embraced challenges by monitoring, processing, and validating coins and currency amounts in the vault to comply with bank standards and policies

Amazon Salt Lake City, Utah

Warehouse Processing Coach October 2018 - June 2019

● Streamlined warehouse operations systems by determining product handling and storage requirements, equipment utilization, inventory management, and shipping

● Maintained detailed documentation by keeping accurate records of warehouse activities to enhance workflow

● Achieved short- and long-term performance goals by training and leading a 20 member team to solve day-to-day operational issues

Metasource Draper, Utah

Quality Control/Regulations Analyst January 2018 - August 2018

● Exceeded expectations by spearheading a myriad of tasks, such as third-party home loan modification QC, SOX audit, post-close and regulation review, state requirement QC, and mortgage loan processing

● Optimized performance by managing 100% of vendor accounts while working in every avenue of the banking and credit world

● Developed training back-up teams by leveraging advanced system training to foster a culture of continuous improvement

SOFI Cottonwood, Utah

Underwriter December 2016 - August 2017

● Promoted steady business growth by collaborating with loan officers and management to maintain a case-by-case follow-up for potential clients

● Mitigated risks by expertly reviewing and verifying loan applications and supporting documentation to determine eligibility

● Justified final decisions by crafting detailed reports to accurately define risk assessment audit findings Select Portfolio Servicing Salt Lake City, Utah

Quality Control Specialist November 2012 - October 2016

● Led end-to-end functions associated with underwriting along with home loan modifications, DTI calculation, credit review, loan commitments, and doc control

● Leveraged expertise by performing QC on completed home loan, modifications, forbearance and foreclosure processing, and procedure updates

● Ensured long-term business success by completing internal audits and compliance testing for investor reporting Zions Bancorp Salt Lake City, Utah

Banking Operations March 2011 - October 2012

● Directed daily operations by leading and coaching a high-performing team to deliver outstanding banking services

● Managed all general ledgers, daily returns, and branch reconciliations by utilizing advanced accounting skills to streamline banking operations

● Supported strategic initiatives by improving processes and eliminating efficiencies to improve productivity by 70% Core Logic Murray, Utah

Banking Operations January 2010 - November 2010

● Built positive business relationships by actively monitoring escrow accounts for vendors+ mortgage companies

● Exercised keen attention to detail by accurately processing, reviewing, and paying client taxes to meet strict deadlines

● Strengthened banking operations by executing internal audits with bank regulators to identify areas of concern Additional Experience

American Express Bank Operations Supervisor April 1999 - September 2009

● Managed 11 direct reports for AECB and Travel Services by ensuring compliance with defined guidelines and delivering regulatory training to achieve performance goals

● Organized complex logistics by planning and executing internal audits to ensure financial transactions

● Utilized analytical skills to manage ACH, daily bank transmissions, and bank wires with high levels of accuracy Core Competencies

Interpersonal Communication, Leadership, Time Management, Customer Service, Forensic Underwriting, Quality Control, Fraud Detection, Process Improvement, Forecasting, Document Control, Escrow Analysis, Decision-Making, Optimization Education

Business Management classes, Salt Lake Community College Training & Certifications

Six Sigma Regulation & Compliance Certification Advanced Accounting Escrow Analysis & Federal Reserve Training

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