Ela Czerski Email & Phone Number

Greater San Diego Area

•Responsible for creating and maintaining an up-to-date reference library related to product summaries, underwriting guidelines, memos, bulletins; and resource center tools such as matrices, reference guides, forms, and worksheets•Provide knowledge support to the SVP of Credit Risk as needed•Monitor investor guideline announcements and updates in order to stay up-to-date on any changes•Compose memos, bulletins, and announcements to share updates•Assist with implementation of any… Show more •Responsible for creating and maintaining an up-to-date reference library related to product summaries, underwriting guidelines, memos, bulletins; and resource center tools such as matrices, reference guides, forms, and worksheets•Provide knowledge support to the SVP of Credit Risk as needed•Monitor investor guideline announcements and updates in order to stay up-to-date on any changes•Compose memos, bulletins, and announcements to share updates•Assist with implementation of any necessary changes related to updates•Assist SVP of Credit Risk in the creation and maintenance of product summaries and underwriting guidelines for GSE, HUD, VA, USDA, Jumbo, and other specialty mortgage products•Manage the communication of any product and/or guideline changes to both internal and external stakeholders•Collaborate cross-functionally with operations and production to facilitate any necessary guideline change requests; provide recommendations to changes in practice or procedures accordingly•Maintain an accurate archive related to changes for reference•Assist in facilitation of meetings related to guideline changes, prepare presentations and deliverables accordingly•Assist SVP of Credit Risk with developing training content related to products, guidelines, and/or new technology•Assist SVP of Credit Risk with analyzing data related to product and market trends as needed Show less

Greater San Diego Area

Greater San Diego Area

•Update guidelines for FNMA, FHLMC, USDA, FHA, VA, and other investor products•Create and update product matrices, flyers, and forms•Issue memos for processing, underwriting, funding, and other areas•Worked directly with our Correspondent Lenders regarding investor requirements and processes•Process and respond to VA deficiency notices•Assist the National Operations Manager for Correspondent Lending

•Reviewed and analyzed borrower documentation to determine income and repayment ability, assess borrower hardship, analyze credit reports and housing expenses, and determine proper loan resolution•Analyzed delinquency, performed escrow analysis, reviewed modification scenarios, proposals and recommended appropriate loan workouts•Maintained responsibility for timely and accurate database maintenance as well as updates and corrections•Adhered to Investor specific guidelines: Private… Show more •Reviewed and analyzed borrower documentation to determine income and repayment ability, assess borrower hardship, analyze credit reports and housing expenses, and determine proper loan resolution•Analyzed delinquency, performed escrow analysis, reviewed modification scenarios, proposals and recommended appropriate loan workouts•Maintained responsibility for timely and accurate database maintenance as well as updates and corrections•Adhered to Investor specific guidelines: Private, Asset, FNMA, FHLMC, USDA, FHA, and VA•Exceeded production and quality goals Show less

Scottsdale, Arizona

•Responsible for meeting with clients and obtaining home loan applications and required documentation •Assisted underwriter in processing and submitting files; ordering verification of employment, proof of insurance, and other items deemed necessary for approval by lender•Created systems implemented for a functional and successful team; executed a variety of marketing campaigns

San Francisco Bay Area

•Supervised a staff of 15 or more on a daily basis •Utilized excellent customer service and communication skills •Organized inventory to provide maximum sales and efficiency for the department •Created a team environment to ensure cohesiveness among staff •Challenged self and staff to achieve long and short term goals •Organized monthly store events to maximize department sales •Coordinated staff and manager meetings on a regular basis •Handled all customer service… Show more •Supervised a staff of 15 or more on a daily basis •Utilized excellent customer service and communication skills •Organized inventory to provide maximum sales and efficiency for the department •Created a team environment to ensure cohesiveness among staff •Challenged self and staff to achieve long and short term goals •Organized monthly store events to maximize department sales •Coordinated staff and manager meetings on a regular basis •Handled all customer service complaints with professionalism •Consistently achieved personal goals to provide maximum sales for the department •Processed inventory reports and tracked all incoming merchandise Show less