Janet Esparza
Murrieta
Summary
Detail-oriented professional experienced in loan modification and compliance review. Skilled in assessing borrower eligibility, processing applications, and maintaining strong customer relationships. Committed to delivering effective loss mitigation strategies that enhance client satisfaction and operational efficiency.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Loss Mitigation Specialist II
Newrez
Remote
11.2022 - 02.2026
- Analyzed borrower financial documents to assess eligibility for loss mitigation options.
- Collaborated with internal teams to develop effective loan modification solutions.
- Reviewed and processed applications for various loss mitigation programs.
- Communicated with clients to explain loss mitigation procedures and options available.
Loss Mitigation Underwriter
Caliber Home Loans
San Diego
08.2014 - 11.2022
- Reviewed loan applications for compliance with underwriting guidelines.
- Evaluated borrower financial information and credit history.
- Analyzed risk factors associated with loan approvals and denials.
- Maintained accurate records of underwriting decisions and loan files.
Loss Mitigation Underwriter
Chase Home Finance LLC
San Diego
06.2009 - 12.2013
- Collaborated with mortgage processors to streamline documentation processes.
- Analyzed risk factors associated with loan approvals and denials.
- Communicated decisions clearly to borrowers and internal teams.
- Maintained accurate records of underwriting decisions and loan files.
- Participated in team meetings to discuss workflow improvements and best practices.
- Ensured all documentation is accurate, complete and compliant with investor and servicer guidelines.
Education
High School Diploma -
Foothills High School - South Campus
San Marcos, CASkills
- Financial analysis
- Loan modification
- Compliance review
- Risk assessment
- Application processing
- Customer relationship management
Languages
Spanish
Professional
Certification
MLO License
Timeline
Loss Mitigation Specialist II
Newrez
11.2022 - 02.2026
Loss Mitigation Underwriter
Caliber Home Loans
08.2014 - 11.2022
Loss Mitigation Underwriter
Chase Home Finance LLC
06.2009 - 12.2013
High School Diploma -
Foothills High School - South Campus