Priscella F. Cardenas

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

San Antonio, TX 78255

210-***-****

Objective:

To be able to apply my work experience to a new and challenging position, known for my ability to see the “Big Picture” while managing the important details. I’m a results oriented individual who can be contacted at anytime.

Employment History:

Herndon Panoramics Photography

July 2021- Current

Executive Assistant (Part-Time)

Responsible preparing and submitting monthly business sales taxes.

Basic accounting knowledge and practices.

Manage online purchases and fulfilling orders.

Ability to oversee business taxes, payroll and employee Benefits.

Schedule weekly and monthly meetings with owners and employees.

Strong customer service, verbal and written communication skills.

Maintain confidential information, such as pay rates, daily sales reports and all travel accommodations for employees.

Coordinate and execute various administrative tasks for Herndon Panoramics owners.

Maintain appropriate records, files and accounts.

Business billing, accounts payable and accounts receivable.

Instituting and or enforcing accountability and confidentiality procedures in accordance to nature of data.

Stay-at-Home Mother

July 2014- July 2021

USAA

September 2012-July 2014

FSB Mortgage Underwriter II

Responsible for underwriting conventional loans while complying with company guidelines.

Promoted to Jumbo Loan Team after 1yr of being with USAA.

Ability to review credit documents for completeness and accuracy.

Review income, assets, title and appraisals, while meeting company requirements to ensure sound loan decisions.

Excellent organizational and communication skills.

Responsible for underwriting high risk loans, while ensuring loan requests meet program and product specifications as well as being in compliance with company guidelines.

Provided constructive feedback to origination and processing teams to improve the quality of files.

Maintain company service level and turn-time standards.

Responded to audits and post-closing issues in a timely manner.

Discuss complex income calculations with management and seek exceptions with delegated authority.

Participate in the development of policy changes, program implementation and procedural improvements.

Wells Fargo Mortgage Company

December 2009- September 2012

Home Preservation Team-Escalation Underwriter II

Extensive analytical skills and knowledge to include the review and understanding of complex highly elevated and time sensitive loans.

High degree of attention to detail.

Proactive and timely communication to customers and business partners on loan decisions and underwriting guidelines.

Strong organizational skills.

Ability to work in a flexible and high production-oriented environment.

Superior internal and external customer service skills, interpersonal and communication skills.

Excellent understanding of highly elevated Office of the President Inquiries and deadlines with the Attorney General, US Treasury, Congressional, and Media complaints.

Responsible for reviewing hardship packages, determining length and impact of Financial Hardship, conducting loan level cash flows for borrowers to determine affordability.

Advanced knowledge of underwriting procedures, creditor financial analysis techniques, government guidelines with possessing a high degree of attention to detail.

Maintains applicable compliance conformity as it relates to data integrity and risk management.

Mitigate loss for Wells Fargo while allowing the mortgager to retain their home.

Responsible for postponing foreclosures with the Foreclosure dept. if needed.

USAA

April 2009- August 2009

FSB Mortgage Underwriter II (Contract Position)

Responsible for rendering decisions on credit applicants for First Mortgage loans based on established criteria.

Determines creditworthiness and risk associated with borrower based on credit profile.

Communicates decisions that most effectively mitigate credit risks for USAA, to include data entry and validity of information submitted.

Applies understanding of fair lending and all other regulatory requirements when evaluating loan attributes while utilizing prudent underwriting judgment and experience.

Provides feedback to origination and processors to improve quality files.

Responsible for underwriting moderately complex loans files; though approval and fraudulent activity.

World Savings a Wachovia Company

April 2004- August 2008

Mortgage Loan Underwriter I

Examined loan documentation to ensure accuracy and completeness.

Maintained underwriting functions by making appropriate loan decisions utilizing and enforcing underwriting policies, procedures and guidelines.

Extensive knowledge of Conventional, FNMA, and VA loans.

Strong Knowledge of underwriting corporate, trust and multi- borrower loans.

Excellent understanding of underwriting guidelines and loan programs to include rate sheets, options and packaging of loans.

Proficient in analyzing credit, determining if the borrower has the willingness to repay.

Responsible for ordering and reviewing appraisals.

World Savings Mortgage Company

Feb 2003- May 2004

ELOC Loan Processor II

World Savings Mortgage Company

June 2000- Feb 2003

Dept. Specialist- Secondary Marketing Auditor

Education:

John Marshall High School 1998

Some College

Skills:

10 key

MS Office

MS Excel

Outlook

DU

Unifi

Cadence

Data Entry

Scheduling

Empower

References: Available upon request

Contact this candidate