Daniel Hernandez Email & Phone Number

Rancho Cucamonga, California, United States

Lake Forest, California, United States

* Acts as a liaison between Investor, QC Department, Insuring, and different mortgage channels.* Serves as the contact for the Defect Resolution department in researching and resolving Investor, QC, and Insuring defects.* Reviews and works with the different mortgage channels to confirm audit findings and document audit response while taking responsibility.

• Complies with and stays abreast of all federal and state laws and regulations applicable to the job, including all Bank policies and procedures for consumer, mortgage, and commercial loans. This includes, but is not.
• Review new and renewed consumer, mortgage, and commercial loans to verify all aspects of processing, disclosures, documents, and servicing are all in accordance with applicable laws and regulations and Bank policies.
• Review denied and withdrawn consumer, mortgage, and commercial credit files to ensure compliance with ECOA and other applicable laws and regulations and Bank policies and procedures.
• Review loan file compliance with flood regulations and Bank policies and procedures.
• Review loan files to ensure compliance with Identity Theft/Red Flags policy and procedures.
• Review loan files to ensure compliance with ECOA Appraisal Rule and other applicable regulations and Bank policies and procedures.

Ontario, CA

Analyze business partner loan submissions - reviewed for lender, Federal and State complianceReview 'change of circumstance' for loans and issue re-disclosure Loan Estimate if applicable Manage FHA case numbers, complete 'TBD' loans, LoanBeam and The Work Number Communicate with internal and external business partners regarding discrepanciesGenerate.

Brea, CA

Perform account related transactions and maintenance, loan payments and account details.Provide information and quotes to customers regarding draw periods and fixed rate options.Work in conjunction with business partners to resolve issues and provide follow up.Deepen customer relationships through sales and service.

Brea, CA

Process loans, clearing conditions, issuing changes to terms on previously approved loans.Verified conditions, clearing issues and following with customers.Reviewing assets and verifying income reserves.

Brea, CA

Responsible for reviewing HUD-1’s and GFE’s for potential RESPA violations.Conduct Quality Assurance Audits for loans processed.Compared letters to borrower & refund amounts to ensure accuracy of refunds issued.

Brea, CA

Completed initial set up of loan applications.Verified integrity of loans, running through automated underwriting system.Ensured correct pricing and loan fees, assessing borrowers credit.Mailed disclosures to customers to comply with RESPA compliance.Ordered appraisals and title reports.

Brea, CA

Analyzed all loan types to determine criteria requirements for loan approval.Provide rate lock quotes and terms, complete rate locks.Reanalyze lock expiration's and make final decision on extending existing lock or re-locking.Respond to incoming calls from Underwriters, Account Executives, Customers and Premier Bankers to ensure loan information is within.

Brea, CA

Utilized loss mitigation tools to assist customers in need of financial assistance. Collect on delinquent accounts ranging from 1-180 days delinquent.Handle incoming phone calls or place outbound calls in an effort to negotiate payments or lossmitigation programs.

Brea, CA

Analyzed all loan types to determine criteria requirements for loan approval.Provide rate lock quotes and terms, complete rate locks.Reanalyze lock expiration's and make final decision on extending existing lock or re-locking. Respond to incoming calls from Underwriters, Account Executives, Customers and Premier Bankers to ensure loan information is within.

Brea, CA

Research errors on consumer transactions.Worked with Tracing and Adjustments on MICR entries, on-line banking and teller transactions.Researched and resolved missing payments, issuing provisional credit.Balanced general ledger accounts using asset and liability entries.

Rancho Cordova, CA

Processed application fees, reviewed and approved the processing of funds to the loan proceeds.Trained and monitored new associates, assisted with department procedures.Research and resolve out of balance differences related to payoffs, overages and returned items on newly funded loans.

Rancho Cordova, CA

Complete loan servicing requests for loan files, account inquiries and office supplies.Coordinate staff training enhancing quality output and monitor daily workflow for clerical technicians to ensure timelines were met.

Glendale, CA

Collected, input calculations and print billing bond invoices.Researched and reconciled billing inquires.

West Sacramento, CA

Researched checking, savings and teller differences.Operated proof machine, filmed checks, incoming deposits and prepared them for transit. Worked as back up for Quality Control Coordinator maintaining communication with over 100 branch managers.