Alicia Borges

adjudicates and manages the end-to-end credit process for mortgage applications, ensuring compliance with lending policies and risk guidelines. Key responsibilities include analyzing applicant income, debt, and credit history (the "3 C's") for up to 40+ weekly applications to make final approval, suspension, or denial decisions.

• Adjudication & Risk Assessment: Evaluate borrower creditworthiness and property documentation to mitigate risk and ensure compliance with regulatory standards.
• Detailed Analysis: Review client financial statements, credit reports, and income verification documents.
• End-to-End Management: Manage applications from initial review to final approval.
• Communication: Collaborate with loan processors and communicate underwriting decisions to brokers/loan officers.
• Documentation Verification: Ensure all submitted, legally required, and regulatory documentation is accurate and compliant.

Required Skills and Qualifications

• Analytical Skills: Strong ability to analyze financial data to determine risk.
• Attention to Detail: Meticulous review of documents to identify red flags, such as fraud or mismanagement.
• Technical Proficiency: Proficiency with automated underwriting systems and software.
• Communication: Effective verbal and written skills.
• Organization: Ability to handle high volumes, such as up to 40 applications per week.

• Reviewed loan applications to ensure compliance with underwriting guidelines.
• Demonstrated sound decision-making skills when assessing borrower eligibility based on financial stability, creditworthiness, and collateral value.
• Maintained accurate records of underwriting decisions for audit purposes.
• Approved or denied loans based on established criteria and underwriting guidelines..
• Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines
• Increased customer satisfaction by providing timely feedback on application status and addressing potential issues promptly.
• Enhanced risk assessment accuracy by conducting thorough reviews of credit reports, employment history, and income verification documents.
• Reviewed appraisals and title documents to verify accuracy and completeness.

• Managed tenant communications to resolve issues and ensure satisfaction.
• Coordinated property maintenance requests, streamlining response times for repairs.
• Assisted in lease administration, ensuring compliance with legal requirements and company policies.
• Assisted property manager in conducting regular inspections to maintain property standards and address any issues proactively.
• Verified income, assets, and expenses, and completed the file tracking sheet for each applicant.
• Coordinated with vendors for cost-effective maintenance services, contributing to budget control.
• Monitored progress of construction and maintenance projects and notified appropriate individuals of project updates, delays, and schedule changes.
• Coordinated with janitorial and engineering staff on maintenance and upkeep.

• Approved/Declined submitted credit/LOC applications.
• Developed customized financial solutions tailored to client needs.
• Analyzed account performance metrics, identifying opportunities for improvement.
• Collaborated with cross-functional teams to streamline account management processes.
• Led initiatives to enhance customer satisfaction and retention rates.
• Implemented process improvements that increased operational efficiency within the department.
• Conducted regular reviews of account documentation to ensure compliance with regulatory standards.
• Achieved high levels of client satisfaction through timely resolution of billing disputes or other account-related concerns.
• Completed routine and complex account updates to resolve problems.
• Enhanced client satisfaction by promptly resolving account issues and providing exceptional customer service.
• Managed multiple accounts simultaneously, demonstrating exceptional organizational skills and attention to detail.
• Developed customized financial solutions for clients, addressing their unique needs and concerns.
• Built strong relationships with clients, vendors and stakeholders for loyal, profitable accounts.
• Analyzed financial data and generated accurate, insightful reports for management.
• Ensured compliance with industry regulations by diligently reviewing account documentation and transactions.

• Evaluated mortgage applications to assess risk, ensuring compliance with lending guidelines and regulations.
• Analyzed credit histories, income verification, and debt-to-income ratios to determine loan eligibility.
• Collaborated with loan officers to resolve underwriting issues and expedite the approval process.
• Employed automated underwriting systems to streamline decision-making and enhance efficiency in processing loans.
• Conducted quality assurance reviews of approved loans to identify potential discrepancies or areas for improvement.
• Worked with processing team members to communicate errors and obtain missing information for current applications.
• Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
• Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.
• Verified integrity of applicants' information to minimize fraud.
• Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
• Developed strong working relationships with external vendors for efficient management of property appraisals and title searches.