Teaya Garcia Senior Mortgage Loan Processor Risk Management Email & Phone Number

New York, United States

● Ensured accuracy and completeness of loan applications, while guiding less skilled processors in pipeline workflows process, provide support for efficient operations and data integrity.● Overseen loan origination, and reviewing of information requirements including purchase contracts, consumer lending documents, FEMA reports, property survey, and hazard insurance. ● Collaborate with underwriters to efficiently collect necessary documentation for conditional approval, maintain compliance and answer questions, and facilitate a seamless transition to final approval within the customer portal.● Order and review fraud reports, title report, liens, judgments, payoffs, flood certificate, anddetermine the need for additional investigation while preparing progress reports.● Working alongside loan officers, bank attorneys, Realtors, and stakeholders, to effectivelyimprove customer communication and influence others to streamline loan processing procedures by 75% using loan origination software.● Work within team collaboration to ensure SLA targets are met and ensure commitment letters are issued timely within regulatory requirements.● Strategically prioritize efficient communication with internal, and external parties as a single point of contact via email, fax, Microsoft teams, inbound calls, and outbound calls.

Brentwood, Tennessee, United States

● Oversaw a portfolio of 45-50 loans, averaging 25-30 fundings monthly. ● Utilized proficient math analytical skills, collected financial statements, and reviewed appraisals, verified Mavent, Data Verify, DU/LP, and Fraud Guard in preparation for underwriting. ● Thoroughly reviewed loan for compliance with RESPA, TIL, HMDA, Reg B, Reg Z, and balance final CD Built a strong relationship with the borrower as well as ensured sensitive documents were well organized. ● Managed loan documentation and applications using MS Windows software, Adobe, Excel, and loan origination system encompass to ensure efficient processing. ● Applied precise communication and attention to detail through critical thinking skills. ● Demonstrated ability to work efficiently within teams to meet deadlines, showcasing adeptness in prioritizing tasks and achieving objectives with less resources. ● Proficient in FHA, HELOC, VA loans, and jumbo loans, with a strong ability to work effectively within a team environment, ensuring smooth collaboration and successful loan processing outcomes. ● Demonstrated exceptional coordination abilities while liaising between clients, loan officers, underwriters, and title companies.

Las Vegas, Nevada, United States

● Managed a high volume of loan applications through effective communication with customers, ensuring all queries and concerns were addressed in a timely manner. ● Researched with ownership and viewed all documents for accuracy using appropriate third-party vendors. ● Maintained a high level of customer satisfaction, 100% compliance with company deadlines, policies, and procedures, and ensuring accuracy and timeliness. ● Leveraged experience in organizations sales to streamline loan processing procedures, significantly reducing turnaround time. ● Leveraged advanced organizational skills and adept multitasking abilities to effectively solve problems, efficiently managing multiple tasks and priorities to achieve optimal outcomes. ● Developed repeat business by utilizing diplomacy, exceptional customer service, and consistently following up with clients and leads, resulting in customer experience satisfaction of 99%. ● Proficient in FHA, HELOC, VA, and jumbo loans, with a strong ability to work effectively within a team environment, ensuring smooth collaboration and successful loan processing outcomes

Concord, California, United States

● Collected and analyzed business data, produced weekly revenue and sales reports, created, and implemented strategic planning to maximize profits. ● Executed full charge of bookkeeping services, including payroll, accounts payable, and accounts receivable. Prepared profit and loss statements, as well as organized all aspects of financial records. ● Filled, reviewed various documents and forms in addition to preparing income tax returns. ● Possess excellent ability to handle high-stress situations and resolve customer issues promptly, thus enhancing overall client satisfaction

● Promoted a risk-aware culture, ensured efficient and effective risk and compliance management ● practices by adhering to required standards processes, and customer care. ● Managed all direct, indirect aspects of lending cycle auditing, underwriting, processing, and funding. Leveraged the ability to work in a team structure. ● Determined acceptability of applications by reviewing all credit reports, bank statements, pay - stubs, tax/insurance info, deed in lieu, reversed payments, refunds, and extensions. ● Ensured loan documents were updated efficiently once required documents had been received, ensured everything followed stipulated regulations and guidelines. ● Successfully utilized written and verbal communication skills to liaise between loan officers, ● underwriters, and clients

Sacramento, California, United States

● Efficiently analyzed credit applications utilizing guidelines, practices, and CoreLogic scoring module to provide back and complete assessment. ● Determined borrower's credit worthiness, the interviewed borrower, reviewed industry data, performed income calculations and reviewed third party reports. ● Negotiated financial transactions and prepared documentation within my credit limit authority. ● Wrote technically detailed reports that communicated a clear assessment of risk and effectively articulated recommendations, and escalations with timely solutions.

Folsom, California, United States

●Decisioned credit applications of business clients applying for phone service and handsets. This included analysis of applicant’s credit information and business mobile wireless statements. financial statements and/or tax returns.●Conducted in-depth investigations to authenticate business forms and information using multiple internet resources. Identifies and reports fraudulent account activity and company revenue leaks.● Validated that new and existing Verizon for Business applicants meet defined Credit standards for additional lines of service. ●Answered and handle a high-volume phone call from our inside partners calling to submit applications for small businesses requesting Verizon services. ●Ensured customer satisfaction through effective and timely resolution of a variety of dealer inquiries. Delivers one-contact resolution of dealer and customer issues.●Managed information of a proprietary and confidential nature, belonging to both customers and the company, adhering to company and general legal guidelines.● Utilized problem solving and decision-making skills to reduce fraud and bad debt.● Liaison between the customer and Commercial Underwriters● Also responsible for other Duties/Projects as assigned by business management as needed.●

Sacramento, California, United States

● Reviewed and assessed information from users to validate filed disputes, maintaining clear communication and effective teamwork enhancing fraud prevention, and time management skills.● Maintained service level agreements with meticulous attention to detail, efficiently handling large numbers of cases within strict deadlines. ● Identified opportunities for process improvements, implementing tooling changes and procedure updates to increase scalability and efficiency.● Submitted chargebacks as needed, documenting risk decisions with comprehensive supporting documentation. ● Managed pre-arbitration and arbitration cases, as well as banking transaction exceptions like ACH returns, ensuring accurate and timely resolution from sow