JACQUELINE B. TAACA
Vallejo,CA
Summary
To have an opportunity to utilize knowledge and experience in a position that will offer further growth. Knowledgeable Loan Processor offering expertise in legal statutes and established lending guidelines. Excellent communication and negotiation skills. Offering 20 years history of successful loan and mortgage processing. Versatile loan processing professional specializing in customer service and bank standards. Excellent communicator and decision maker with a strong eye for detail and a proactive nature. Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level position. Ready to help team achieve company goals.
Overview
16
16
years of professional experience
Work History
Payroll Specialist
Northbay Transit Group
05.2024 - Current
- Assisted employees with inquiries regarding their paychecks, deductions, and other related issues, providing clear and concise communication.
- Provided customer service to employees regarding payroll inquiries and issues.
- Performed calculations in overtime, vacation, and sick hours to provide accurate data to payroll processing database.
- Verified and submitted timekeeping information for accurate and efficient payroll processing.
- Resolved payroll discrepancies quickly and successfully.
- Created new hire and termination documents for payroll.
- Maintained strict confidentiality of all payroll information and records.
- Managed payroll data entry and processing for 200 employees to comply with predetermined company guidelines.
- Reviewed time records for 200 employees to verify accuracy of information.
Sr Loan Processor
Dukes Acquisitions
01.2024 - Current
- Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
- Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
- Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
- Streamlined loan processing by implementing efficient workflow systems and task prioritization.
- Enhanced customer satisfaction with timely and accurate loan processing, maintaining clear communication throughout the process.
- Assisted in training junior loan processors, resulting in increased productivity across the team.
- Developed a comprehensive understanding of various lender guidelines which helped expedite loan approvals.
- Provided quick turnaround times to maintain fast-past schedule.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Handled any conditions sent from underwriting departments.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Evaluated approvals against established bank and government lending standards.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Conducted thorough borrower credit analysis to accurately assess financial stability and minimize default risks.
- Maintained compliance with federal regulations by meticulously reviewing all loan documents, ensuring accuracy, and completeness.
- Collaborated with underwriting team to ensure accurate risk assessment and appropriate loan approvals.
- Contributed to company growth by successfully managing an expanding portfolio of diverse loans.
- Set up and completed loan submission packages.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
- Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
- Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
- Reviewed and validated details of loan applications and closing documentation.
- Calculated, reviewed and corrected errors on interest, principal and closing costs.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
Administrative Assistant
Northbay Transit Group
08.2023 - 05.2024
- Answered multi-line phone system, routing calls, delivering messages to staff and greeting visitors.
- Maintained confidentiality of sensitive information by adhering to strict privacy policies and implementing secure filing systems.
- Delivered excellent customer service through prompt responses to client inquiries, addressing concerns effectively, and building strong relationships.
- Ensured accurate record-keeping with diligent data entry and database management for vital company information.
- Promoted a positive work environment through effective communication skills and fostering professional relationships among colleagues.
Sr Loan Processor/ Sr Customer Service
American Financial Network, Inc.
02.2019 - 11.2022
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Prepared file for final clear-to-close by branch management.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Communicated with originator and applicant concerning progress of loan file.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Handled any conditions sent from underwriting departments.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Coordinated closing process with attorneys, title companies and government clerks.
- Evaluated approvals against established bank and government lending standards.
- Reviewed and validated details of loan applications and closing documentation.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
Loan Officer Assistant/Customer Service Representative
Integrity First Financial Group Inc
03.2017 - 02.2019
- Assists loan officer to gather and review all initial documents from borrower to structure loan correctly.
- Prepares and coordinates with all parties involved in transaction for closing once borrower is under contract, to ensure full compliance and quality of loan documentation for funding.
- Resolves loan documentation issues with lending team, collaborating on problem-solving and process improvements efforts to maintain and continuously improve loan operations policy, procedure, and performance.
- Manages pipeline to ensure all deadlines are met.
- Coordinated with loan officers to optimize the pre-approval process, resulting in a smoother overall experience for clients.
- Answered inquiries and provided superior customer service to clients.
Production Coordinator/Assistant Operations Manager
Mountain West Financial
05.2014 - 01.2017
- Assist with managing of staff and with operational process and procedures, Acts as key point of contact between bank and broker; maintains consistent and thorough communication with all involved parties throughout loan process; assists all 10 Underwriters with email and voicemail communications and other tasks as necessary; responds to customer inquiries and condition decisions; proactively contacting customers and partners to gather information and conditions to move loan through process expeditiously; reviews and monitors relevant reports; monitors, reviews and prioritizes loan conditions on assigned loans; evaluates loan conditions submitted by broker and determines if information submitted meets underwriter's requirements per delegated level of authority; submits loan to underwriting once appropriate conditions have been received; organizes and prioritizes workflow for any assigned underwriters; clears minor conditions on assigned loans, per delegated authority; -examines transactions to ensure accuracy and completeness as well as clearing conditions to ensure compliance with company standards; maintains data integrity in system throughout loan process; acts as liaison between bank/lender and investors/mortgage insurance companies on loan approval, conditions and file status; provides outstanding levels of service by attaining superior product and industry knowledge.
- Helps in training with new procedures and new system.
- Helps with projects assigned by operation manager and regional vice president.
Assistant Operation Manager/Jr Underwriter
Florida Capital Bank Mortgage
03.2012 - 01.2014
- Assist with managing of staff and with operational process and procedures, Acts as the key point of contact between the bank and the broker; maintains consistent and thorough communication with all involved parties throughout the loan process; assists assigned Underwriters with email and voicemail communications and other tasks as necessary; responds to customer.
Junior Underwriter
RPM Mortgage
06.2011 - 03.2012
- Responsibilities include: reviewing and analyzing borrower profiles, tax returns, title reports, credit reports, income documentation and appraisal products when submitted as conditions requested by underwriter; receiving and logging loan conditions; working with appraisal fulfillment coordinator to locate files to be pulled for rework or conditions; ordering Appraisal Desk/Field Reviews and following up on Appraisal Reviews ordered; Preparing files for Docs; submitting files and conditions to investor for prior approvals; following up with investors on file status; determining eligibility for private mortgage insurance; acting as liaison between the Customer Service and Underwriting teams on file status; proficient in automated underwriting applications and ability to assess results; ability to properly assess fraud indicators.
Customer Service Representative
Sierra Pacific Mortgage Company
02.2009 - 05.2011
- Responsibilities include: running Automated Underwriting on loans; providing customer service to brokers; document drawing; ensuring confidentiality of client records; returning documents via email, fax or courier as requested; working closely with underwriters to clear conditions; performing other duties and/or mortgage related tasks as assigned by management; acting as liaison between brokers and account executives; providing customer service by answering status, program and pricing questions.
Skills
- Desktop Underwriter
- Customer Communication
- Critical Thinking
- Credit Bureau Contact
- Loan Paperwork
- Appraisal Compilation
- Loan Application Preparation
Microsoft Word, Strong 10 Key and Calculation Skills, Outlook
- Credit Verification
- Contacting Borrowers
- Government Lending
- Deposit Verification
- Loan Process Coordination
- Bank Secrecy Act
- Settlement Statements
- Mortgage Closing Scheduling
References
REFERENCES Available Upon Request.
Timeline
Payroll Specialist
Northbay Transit Group
05.2024 - Current
Sr Loan Processor
Dukes Acquisitions
01.2024 - Current
Administrative Assistant
Northbay Transit Group
08.2023 - 05.2024
Sr Loan Processor/ Sr Customer Service
American Financial Network, Inc.
02.2019 - 11.2022
Loan Officer Assistant/Customer Service Representative
Integrity First Financial Group Inc
03.2017 - 02.2019
Production Coordinator/Assistant Operations Manager
Mountain West Financial
05.2014 - 01.2017
Assistant Operation Manager/Jr Underwriter
Florida Capital Bank Mortgage
03.2012 - 01.2014
Junior Underwriter
RPM Mortgage
06.2011 - 03.2012
Customer Service Representative
Sierra Pacific Mortgage Company
02.2009 - 05.2011
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