Veronica Nava Email & Phone Number

Dallas, Texas, United States

Manages and administers secondary market and funding initiatives including whole loan sales, bulk participation sales, agency cash sales, and wholesale funding and liquidity management. Manages all aspects of pricing, lock desk, and loan delivery. Monitors the loan production pipeline to ensure loans produced are shipped and delivered to secondary investors in an efficient manner. Establishes and maintains secondary market investor relations. Monitors cash positioning, liquidity reporting and forecasting, short-term borrowing, hedging and bank relationship management. Reviews, measures, and monitors the performance of current pricing strategies and models and communicates with sales leaders on pricing and product updates.

Promoted to manage all secondary marketing loan sales including whole loan sales, co-issue sales, scratch-and-dent sales, MSR sales, and agency sales (cash window and MBS securities). Evaluated current methods for best execution, loan sales, and servicing transfers and made recommendations. Worked directly with SVP of Secondary Marketing in formulating loan sale strategies. Managed the execution of trade operations working directly with broker/dealers and internal traders.

Plano, Tx

Oversee the analysis of loan pricing and sell-side sales and trading functions for mortgage-backed securities derivatives on the secondary market.Serve as main point of contact in monitoring all funded loans for pool allocation, including GNMA, FNMA, FHLMC, and Whole Loan Bulk pools. Collaborate with liquidity team to forecast cash needs. Manage execution of trading operations, work directly with broker/dealers and internal traders to analyze risk/pricing, research/resolve discrepancies, and confirm execution of TBA Trades. Prepare receipt and sell tickets for all certified pools. Write formal P&P documents, create Assignment of Trade documents, and provide monthly production reports to Director of Capital Markets. Monitor and report daily margin call exposures to senior management team.

Plano, Texas

Promoted to manage the initiation and execution of all non-agency sales, including portfolio MSR sales, whole loan sales, and asset scratch and dent sales. Served as liaison between internal legal team and investors to negotiate mortgage loan purchase contracts, including analyzing and accepting bids/prices, delivery of loan files, clearing suspense items, and reconciling/approving funding schedules. Interacted with Directors, VPs, Sr. Leadership, and investors to resolve issues and ensure smooth sales process. Provided weekly projects status reports and monthly production reports to senior leadership team.

Plano, Texas

Oversaw the delivery of FNMA/FHLMC/GNMA pools. Conducted loan file audits to determine loan eligibility, correct ULDD data fields, and submit loan data/files to agency and investor delivery systems. Established and maintained strong working relations with FNMA and FHLMC to setup pool contracts, allocated loans to specific assigned pools, scheduled settlements and prepared statements.

Carrollton, Texas

Expertly conducted/performed loan file reviews to ensure all documentation complied with state and federal regulations and met RESPA and HMDA guidelines; corresponded with clients to resolve post-closing issues; maintained an accurate, up to date company pipeline and filing system on all closed loans.