Theresa Taboada, Mba Email & Phone Number

I currently work in the workers comp department and tasked with safety incentive, policy renewal pricing, Referral Partner and premium audit.

Tustin, California, United States

• Analyze loan-related data, including product performance, SLA levels, suspended loans, and errors to identify performance gaps and recommend solutions to mitigate risk and improve production.• Audit disclosures, privacy notices, loan files, and HMDA reporting.• Perform income analysis for clients and business entities, including borrower’s ability to repay, business liquidity, business assets.• Review suspense, fraud, and purchase reports as well as evaluate assets, credit reports, and property values.• Collaborate with underwriting, post-closing, secondary, and guideline teams to drive improvements.• Train underwriters on new loan products and product enhancements to present offerings.• Ensure all activities comply with CFPB, OFAC (Office of Foreign Assets Control), Fair Lending, Privacy, and BSA and AML regulations.• Create and publish monthly newsletter for employees to increase product knowledge, performance, and employee engagement.• Developed policy and trained staff on handling customer complaints and process flow to maximize operational efficiency.

Chicago, Illinois, United States

• Reviewed plans, specifications, and budgets for proposed construction and rehabilitation projects.• Led successful implementation of renovation lending program, communicating with investors, hiring and training teams, and setting up underwriting and funding processes to drive loan processing for FHA, FNWA, VA, and Freddie Mac loans.• Identified improvement opportunities across processes, products, and sales to maximize profitability.

San Diego, California, United States

• Interfaced with senior VP of underwriting, senior VP of policy, EVP of production and operations, VP of accounting, EVO of sales, UW manager, senior processor, and draw specialist to coordinate all loan-related activities, increasing client retention and referrals.• Analyzed data related to hours spent from origination to funding and file review to assess staffing needs.• Provided recommendations to senior management for process improvement, capacity/load leveling, projections, and budget.• Evaluated credit documentation for loans worth $450K to $5M and analyzed borrower’s ability to repay and profit margins.• Audits 10% of closed loans to evaluate risks and ensure data accuracy.• Created Excel tools to facilitate income and asset calculations specific to product lines.• Collaborated with processing, funding, and underwriting teams to identify performance gaps and make strategic adjustments to provide an optimized customer experience.

San Diego, California, United States

Point Person in Underwriting 203K Rehabilitation Loans, Conventional, and Bond loans. Instrumental in launching the FNMA Home-Style Renovation product

Tigard, Oregon, United States

Master Of Business Administration (Mba)

2012-2014

Bachelor Of Science - Bs, Biology, General