Natalie Padilla

Natalie Padilla Email and Phone Number

Senior Retail Underwriter @ First Citizens Bank
Goodyear, AZ, US
Natalie Padilla's Location
Goodyear, Arizona, United States, United States
About Natalie Padilla

As a seasoned Mortgage Underwriter with over a decade of experience, my expertise lies in underwriting complex non-conforming jumbo mortgage loans. I specialize in analyzing intricate personal and corporate tax returns for high net worth clients, ensuring compliance while mitigating risk. My advanced skills in asset analysis, risk layering, and appraisal review have consistently boosted loan approval rates and client retention.I've held $2mm lending authority and exception authority, showcasing my trustworthiness and expertise. In addition to providing comprehensive creditworthiness assessments, I've led teams of up to 100 members across multiple sites. My leadership has driven process improvements, increased productivity, and maintained high quality standards.I'm known for my problem-solving abilities in high-pressure environments, juggling multiple priorities without compromising precision or compliance. As an adept communicator, I've fostered strong relationships with both Sales Partners and team members through ongoing coaching and conflict resolution.If you're looking for a dedicated Mortgage Underwriter who combines exceptional analytical skills with proven managerial capabilities to drive loan approvals and customer satisfaction, let's connect! I'm eager to leverage my skills to help your firm navigate the complexities of mortgage underwriting while minimizing risk and maximizing profitability.

Natalie Padilla's Current Company Details
First Citizens Bank

First Citizens Bank

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Senior Retail Underwriter
Goodyear, AZ, US
Natalie Padilla Work Experience Details
  • First Citizens Bank
    Senior Retail Underwriter
    First Citizens Bank
    Goodyear, Az, Us
  • Wells Fargo
    Senior Mortgage Underwriter
    Wells Fargo 2020 - 2023
    Phoenix, Arizona, United States
    Accomplished mortgage underwriter with extensive experience in complex loan underwriting, including non-conforming, conventional, jumbo, QM, and non-QM loans. Skilled in detailed financial analysis, including personal and corporate tax returns, with reviews often covering over 20 business tax returns per applicant. Specialized in Private Banking credit underwriting for high-net-worth clients, delivering customized solutions that enhanced client satisfaction and retention.Expert in advanced income analysis across various financial documents, including tax returns, profit and loss statements, balance sheets, and asset evaluations. Proficient in property appraisal review and well-versed in compliance standards, ensuring confidentiality and accuracy in complex mortgage cases. Strong collaborator, partnering with sales and lending teams to improve loan decisions, approval rates, and streamline processes.Experienced in performing quality assurance audits to uphold industry and company standards. Made strong contributions to policy improvements and system enhancements. Demonstrated success in managing a $2M lending pipeline, consistently ensuring efficient portfolio management and outstanding customer service.
  • Wells Fargo
    Senior Credit Underwriter
    Wells Fargo 2016 - 2020
    Phoenix, Arizona, United States
    Experienced in conducting high-level underwriting audit reviews for home equity applications, identifying approval opportunities to strengthen customer relationships. Specialized in complex income reviews as part of the Income Assistance Team, collaborating with Underwriters, Lending Managers, and Lending Officers to develop solutions for challenging cases.Proficient in reviewing residential loans for primary homes, second homes, investment properties, and condominiums. Provided guidance on non-QM applications and exceptions, supporting junior underwriters with restructured consumer loans.
  • Wells Fargo
    Lending Manager
    Wells Fargo 2013 - 2016
    Tempe, Arizona, United States
    Led the Private Mortgage Banking Underwriting Team, specializing in high-net-worth clients, ensuring efficient loan origination while optimizing processes to meet production goals and uphold quality standards. Focused on excellence, I mentored the team to improve performance, provided corrective action plans when necessary, and promoted operational efficiency.Facilitated weekly team meetings and monthly Sales Partner sessions to encourage open communication and strengthen partnerships. Provided ongoing coaching to enhance team effectiveness and resolve escalations related to non-QM and QM applications.Oversaw higher-level sign-offs for Home Equity applications and income reviews, ensuring credit decisions adhered to company policies, Standard Operating Procedures, and regulatory requirements. Experienced in reviewing residential loans for primary homes, second homes, investment properties, and condominiums for high-net-worth clients.Contributed to key projects focused on policy, compliance, and process improvements, managing multiple projects and deadlines in a dynamic, fast-paced environment.
  • Wells Fargo
    Private Business Loan Underwriter
    Wells Fargo 2011 - 2013
    Phoenix, Az
    Evaluated and assessed commercial loan applications, including those from non-profit organizations, for creditworthiness. Specialized in loan types such as unsecured lines of credit, equipment financing, and term loans. Ensured that all credit decisions were accurate, compliant, and aligned with company standards. Conducted thorough reviews of financial documents, including tax returns, financial statements, credit reports, and debt ratios, to support sound credit decisions
  • Wells Fargo
    Senior Underwriter/Work Director
    Wells Fargo 2002 - 2011
    Phoenix, Arizona, United States
    Experienced in reviewing, analyzing, and approving home equity consumer loan requests, with $500,000 lending authority and level III exception authority. Led the development of the Tax Team, introducing new procedures and workflows that enhanced efficiency and streamlined operations. Expert in analyzing complex tax returns for income verification, utilizing both Fannie Mae and Cash Flow income review methodologies. Managed daily operations and work direction for over 100 team members across four sites, ensuring service level agreements were met. Compiled daily reports, handled escalations with Sales Partners and team members, and provided second-level reviews, feedback, and training to junior staff. Reviewed financial documents, including financial statements, credit reports, appraisals, and titles, ensuring accuracy and compliance. Explained credit decisions, implemented fraud detection techniques, and provided performance feedback to senior managers.

Natalie Padilla Education Details

Frequently Asked Questions about Natalie Padilla

What company does Natalie Padilla work for?

Natalie Padilla works for First Citizens Bank

What is Natalie Padilla's role at the current company?

Natalie Padilla's current role is Senior Retail Underwriter.

What schools did Natalie Padilla attend?

Natalie Padilla attended Arizona State University.

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