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.
• 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.
• Work within team collaboration to ensure SLA targets are met and ensure commitment letters are issued timely within regulatory requirements.

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.

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%.

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,

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.
• 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.

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