Selene Martinez Email and Phone Number

Evaluate output from the Customer Due Diligence Group which includes Credit Investigations, Corporate PEP Team, Global Sanctions Screening & Reporting, and Enhanced Due Diligence CenterEffectively manage a personal work queue and consistently deliver error free quality control reviews within SLAUse approved policies and procedures to complete reviews that are clear, concise, and easily understood by due diligence consultants and leadersExamine and analyze programs, processes, and/or files of unusual, complex and/or higher risk transactions to ensure compliance with internal company requirements and/or agency or government regulations.Home Preservation - review of FHA files in default to find alternative ways to bring Mortgages current via repayment plans, partial claims, or permanent loan modificationsIncluding those affected by COVID-19Created customized plans to help borrowers avoid foreclosure and stay in their homes.Ensured compliance with applicable laws, regulations, policies, and procedures related to home preservation.Evaluated borrower's ability to repay modified loans based on income and asset verification documents provided by borrowers.Reviewed and evaluated loan applications and supporting documents.Requested additional information for applications and documents when necessary.Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.

Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.Calculated debt-to-income ratios to ensure compliance with industry standards.Evaluated collateral properties to assess market value.Identified potential issues related to title, appraisals, insurance coverage.Determined whether or not to approve or deny a loan application in accordance with company guidelines.Managed multiple tasks simultaneously while meeting tight deadlines.Developed relationships with external partners such as real estate agents and lenders.Maintained up-to-date knowledge of changing laws and regulations related to mortgage lending.Ensured compliance with all federal, state, and industry regulations.Reviewed and verified borrowers' income, credit reports and property appraisals to prepare documents for underwriting.Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.Managed conditions sent from underwriting departments.Structured loan packages by properly analyzing credit reports, income and asset documents.Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.Discussed loan needs and financial histories with clients and conveyed information regarding application processes.Interfaced with borrowers to obtain needed items and prepare applications for underwriting review.Updated client account information and records in company databases.Informed customers of loan application requirements and deadlines.Collaborated with underwriters to develop customized loan solutions.

Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.Calculated debt-to-income ratios to ensure compliance with industry standards.Evaluated collateral properties to assess market value.Identified potential issues related to title, appraisals, insurance coverage.Determined whether or not to approve or deny a loan application in accordance with company guidelines.Managed multiple tasks simultaneously while meeting tight deadlines.Developed relationships with external partners such as real estate agents and lenders.Maintained up-to-date knowledge of changing laws and regulations related to mortgage lending.Ensured compliance with all federal, state, and industry regulations.Reviewed and verified borrowers' income, credit reports and property appraisals to prepare documents for underwriting.Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.Managed conditions sent from underwriting departments.Structured loan packages by properly analyzing credit reports, income and asset documents.Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.Discussed loan needs and financial histories with clients and conveyed information regarding application processes.Interfaced with borrowers to obtain needed items and prepare applications for underwriting review.Updated client account information and records in company databases.Informed customers of loan application requirements and deadlines.Collaborated with underwriters to develop customized loan solutions.