Customer care specialist

Jenny Parga

Brandon, FL 813-***-**** ***********@*****.***

Professional Summary

Senior Mortgage Underwriting & Operations Professional with 15+ years of experience processing, underwriting support, closing, and funding residential mortgage loans. Extensive knowledge of Conventional, FHA, VA, USDA, Non-QM, and Reverse Mortgage products. Expertise reviewing income, assets, credit, collateral, title, appraisal, TRID, RESPA, TILA, and investor guidelines while ensuring regulatory compliance and timely closings. Experienced with Encompass, Calyx, ReverseVision, QuantumReverse, DU/LP, DocuSign, and advanced Excel. Currently pursuing the NAMU Certified Master Mortgage Underwriter (CMMU).

Core Qualifications

Mortgage Processing & Underwriting Support

Conventional, FHA, VA, USDA, Non-QM & Reverse Mortgages

TRID, RESPA & TILA Compliance

Income, Asset & Credit Analysis

DTI/LTV Calculations

Title & Appraisal Review

Condition Clearing

Loan Closing & Funding

Encompass, Calyx, ReverseVision, QuantumReverse

DU/LP Automated Underwriting

Fraud Prevention

Advanced Microsoft Excel

Professional Experience

Office Cleaner / Janitorial Services Chiropractic Office 2020–Present

Provided reliable office cleaning and janitorial services in a professional chiropractic office environment.

Cleaned and sanitized treatment rooms, offices, restrooms, waiting areas, floors, high-touch surfaces, and areas requiring blood cleanup using appropriate cleaning procedures.

Handled routine trash removal, restocking of supplies, dusting, vacuuming, mopping, and general facility upkeep.

Maintained a clean, organized, and welcoming environment while working independently and following office procedures.

Jr. Underwriter Nationwide Equities Corporation Mar 2026–May 2026

Review reverse mortgage loan files for completeness and FHA compliance.

Analyze borrower eligibility, property documentation, title, and appraisal reports.

Clear underwriting conditions and prepare files for closing.

Coordinate with processors, closers, and loan officers to meet funding deadlines.

Sr. Fraud Specialist Capital One Jul 2022–Mar 2026

Reviewed financial documentation and resolved outstanding conditions.

Verified compliance and supported accurate underwriting decisions.

Communicated with customers to obtain required documentation.

Mortgage Processor III PRMG Nov 2020–Apr 2022

Processed FHA, VA, USDA, Conventional and Non-QM loans.

Reviewed income, assets, credit, DTI/LTV, compliance, title, and closing documents.

Worked with borrowers, realtors, title companies, and underwriters to ensure timely closings.

Senior Processor / Jr. Underwriter / Closer USAA & PennyMac 2015–2020

Managed high-volume mortgage pipelines.

Reviewed disclosures, funding conditions, title issues, liens, and judgments.

Prepared files for funding and ensured investor compliance.

Education & Certifications

Associate Degree in Accounting – Bryan University

Business Management Certification

Certified Notary Public

NAMU Certified Master Mortgage Underwriter (In Progress)

Contact this candidate