Banking

Theresa A. Marquez

Summary:

Accomplished mortgage underwriter, processor and closer/funder with over 9 years of experience in the consumer real estate market. Excellent record supervising and working as a team with diverse customers, colleagues and communities. Skilled in computer software applications, including Microsoft Office, Windows Operating Systems XP, Outlook, QuickBooks, Filemaker Pro, CRA Wiz, Payroll Programs, Credit Revue, Bankers Insight, Metavante Insight, Easy Lender and LaserPro, BIC reports, Excel and 10-key by touch. Extensive knowledge in Policy and Procedures for mortgage lending as well as Compliance and Regulations. License California Notary Public.

WORK EXPERIENCE:

Pacific National Bank (formerly known as California Savings Bank)

San Francisco, California

Quality Control Supervisor - Supervise the review and quality control/audit of all Consumer, small Commercial and Business Loans. Conducted 10% audits on each underwriter’s files for accuracy and completeness. Complete HMDA LAR on a quarterly basis; Review Flood Reports on a monthly basis to insure loans have Flood Insurance; Assist in Processing, Underwriting, Doc Drawing, Funding and Processed Payments as needed; Prepare Business Continuity and Emergency Policy and Procedures. Supervise file room by controlling access to files and Vault for Deed of Trusts and Notes. Box up paid off, decline, withdraws and paid off files. Request Rate change and hen needed make rate changes on Metavante system. Trained teams in processes, compliance and regulations. Complete tasks as required for pledged loans with the FRB and FHLB. Prepare Reports as required by VP of Credit Services. Assist in various departments as needed.

September 2005 - Current

Fidelity National Title

Pleasanton, California

Title Assistant – took orders via phone and/or fax and input data into computer, created prelim title reports, researched documents on County Website, reviewed documents for recording, set-up daily recording, created invoices for all files closed, contacted escrow officers with problems, open daily mail, file, answered phone, calculated monthly income for department and misc. duties as needed.

June 2005 – September 2005

Fremont Bank

Hayward, California

Underwriter/Loan Processor HELOC – Underwrote and analyzed Line of Credit Files, Drew up Legal Documentation, Shipped Documents to Borrowers, Quality Controlled files, Filed, tracked incoming mail, requested necessary documentation for file, communicated with loan officers, ordered preliminary title reports, ordered payoff demands, assisted underwriter in approving files, ran credit reports, sent out approval letters, Pre Underwrote files, contacted borrowers to review application and go over necessary documentation that is required to close file, assisted team leader in distributing files to other processors and distributing daily reports, process all Pre-Approved HELOC loans, assisted in cleaning prelim if needed with title company, processed conforming loans, input loan from application stage and create and mail RESPA package, scheduled sign off appointments, and misc. duties as needed.

February 2003 – June 2005

Inside Source

San Carlos, California

Operations Coordinator – Responsible for auditing paperwork from field of 30 installers to make sure job is complete, all product delivered, bill Project Manager for all T&M jobs, monthly billing for Operations Department, approve all invoices for department, order supplies, prepare payroll for Operations Department and submit to Payroll Clerk, backup dispatcher, type

quotes, supported Warehouse Manager when needed, data entry of product into system, in-charge of all Nextel phone’s for company, i.e. turn on phone, turn off phone, send in for service, etc., and misc. duties as needed.

February 2001 – February 2002

One Workplace, L. Ferrari

San Leandro, California

Project Coordinator - Network – input orders into computer system which came over via fax, prepare folders for Project Managers, track product, prepare labor quotes for delivery/install, schedule deliveries/jobs with appropriate departments/dealer/client, solve complaints and/or problems with dealer/client, answer phone, keep up-to-date log of daily deliveries/project management log, setup delivery and time with building management i.e., elevator reservation, certificate of insurance, etc., work on Project Manager’s projects when he/she was out of the office on vacation and/or sick, and/or as needed, and misc. duties as needed.

March 2000 – February 2001

Bank of Oakland

Oakland, California

Loan Officer Assistant / Note Clerk - prepared loan documentation for Commercial and SBA loans, assisted loan officer in closing of documents, opened escrow with Title Company, followed-up with Title Company on closing of escrow, recorded

documents, funding info, i.e. check or wire, typed letters to customers requesting updated information, i.e. financial statements, tax returns, etc., create files, booked loans on computer system (Alltel’s Horizon), approved line of credit disbursements, processed payments, generated payoff requests, balance daily general ledger, generate monthly, quarterly & year-end reports, file, answer phone, follow-up on expired insurance, helped solve customer complaints/problem on loan, run TRW’s, backup receptionist, and misc. duties as needed.

April 1996 – March 2000

EDUCATION:

Heald Business College

Hayward, California

Associate of Applied Science Degree in Secretarial

October 1992 - April 1994

Eden Area Regional Occupation Program

Hayward, California

Certified Information Processing

September 1991 - June 1992

REFERENCES UPON REQUEST

Contact this candidate