Beatrice Mendes
Ontario, CA
Summary
Demonstrates strong analytical, communication, and teamwork skills, with proven ability to quickly adapt to new environments. Eager to contribute to team success and further develop professional skills. Brings positive attitude and commitment to continuous learning and growth.
Overview
13
13
years of professional experience
Work History
Case Records Technician
State of California Department of Corrections
07.2024 - Current
- Streamlined communication between departments by promptly distributing relevant case documents to appropriate personnel.
- Contributed to a positive work environment through effective collaboration with colleagues on various tasks involving case records maintenance.
- Maintained confidentiality standards at all times, ensuring that sensitive information was only shared with authorized individuals on a need-to-know basis.
- Consistently met or exceeded performance expectations, demonstrating a strong commitment to quality work and attention to detail in all aspects of the position.
- Destroyed records in line with retention schedules to protect confidential information and comply with regulations.
- Compiled, sorted and filed high volume of documents.
District Support Professional
Upland School District
06.2023 - 07.2024
- Provided out of class support for Upland Jr. High Office Manager.
- Provided out of class support for the Special Education Team in the roles of Transportation Coordinator and Enrollment.
- Provided out of class support for the Attendance Clerk at multiple schools within the district.
- Provided back support for Director(s) as needed.
- Handled Student Record Keeping and Inventory Project
- Created Tracking method for School Record Keeping Project
- Completed weekly reports in Google, to include creating functions and macros for senior management to analyze metrics across 14 district-wide schools.
- Learned and adapted quickly to new technology and software applications.
- Proved successful working within tight deadlines and a fast-paced environment.
Home Loan Underwriter
Wells Fargo Home Mortgage
09.2019 - 06.2023
- Responsible for reviewing, analyzing, approving, and underwriting routine individual consumer requests and products with few deviations and within company and industry guidelines
- Reviewed credit applications, credit bureau information, collateral valuation, legal documents and other supporting documentation to recommend decline or approve requests within authority levels by way of automated scoring system or traditional underwriting.
- Evaluated and reconciled all documents pertaining to income to include tax returns, business bank ledgers, balance sheets, paystubs, to determine cash flow
- Contributed to a reduction in processing times by coordinating with other departments for prompt document retrieval and verification.
- Enhanced customer satisfaction by providing timely and accurate loan decisions based on comprehensive analyses while handling a robust pipeline of an estimated 50 loans.
- Minimized losses by identifying potential risks in the early stages of the loan application process.
- Calculated Debt to Income Ratio and Loan to Value and evaluated Asset worthiness.
- Reviewed a variety of legal documents for affect on credit worthiness to mitigate losses.
- Mentored junior underwriters to enhance their knowledge and skills, leading to improved team performance overall.
- Obtained Level 3 Authority
Loss Mitigation Underwriter
Freedom Mortgage Corporation
08.2017 - 09.2019
- Managed a pipeline of an estimated 50 mortgage loans, whereas the Customer defaulted on their mortgage loan payments, maintaining strict attention to detail when reviewing applications for accuracy and completeness.
- Validated their hardship and formalized an Action plan to avoid foreclosure and keep them in their homes.
- Exhibited leadership skills by performing peer quality audit reviews and new hire training.
- Reduced delinquency rates through meticulous evaluation of borrower creditworthiness and adherence to underwriting guidelines.
- Evaluated the Customers overall financial and credit worthiness and ability to repay the mortgage debt.
- Achieved 124% above the quarterly average file decisions and 2.5% quarterly department productivity placement
Home Service Specialist 11
Bank Of America Home Loans
07.2012 - 08.2017
- Ensured efficient management of a substantial influx of loan applications by overseeing the entire lifecycle from initiation to closure.
- Orchestrated seamless processing of diverse home loans, including conventional, FHA, and VA, with meticulous attention to compliance with regulatory standards.
- Retained existing clients through regular follow-up calls, ensuring their continued satisfaction with provided services.
- Established expertise in title reports, credit reports, credit supplements, verification of employment, appraisals, tax transcripts, social security verification, homeowner's insurance policies, flood reports, resolve vesting title issues, child support liens, judgment liens, lender conditions, and any other tasks to meet closing date as required
Education
High School Diploma -
Huntington Park High
Huntington Park, CASkills
- Data research and validation
- Critical thinking
- Information gathering
- Excel proficiency
- Workflow Analysis
- Deadline adherence
- Financial statements expertise
- Verbal and written communication
- Customer relations
Languages
English
Timeline
Case Records Technician
State of California Department of Corrections
07.2024 - Current
District Support Professional
Upland School District
06.2023 - 07.2024
Home Loan Underwriter
Wells Fargo Home Mortgage
09.2019 - 06.2023
Loss Mitigation Underwriter
Freedom Mortgage Corporation
08.2017 - 09.2019
Home Service Specialist 11
Bank Of America Home Loans
07.2012 - 08.2017
High School Diploma -
Huntington Park High
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