Nadina Yagubova
La Mesa
Summary
Seasoned financial professional with 10 years of experience, including a recent role as Trust Operation Specialist at MUFG Union Bank. Expertise in trust account management, loan processing, and regulatory compliance. Seeking to leverage extensive background in trust operations and cash management to contribute to a dynamic team as a Trust Operation Specialist.
Overview
14
14
years of professional experience
Work History
Agency Shipping Specialist
Guild Mortgage Company
12.2024 - 01.2025
- Monitor of daily Marketing/Shipping reports to determine newly allocated Agency Cash loans, as directed.
- Act on daily direction from Agency Shipping Supervisor for Agency Cash Commitment deliveries apart from those on the Allocation report.
- Perform the shipping preparation tasks needed for specific Cash deliveries to Agency programs/investors as identified by the SVP & VP’s of Secondary Marketing.
- Work closely with Shipping Department administrative staff and warehouse banks to assure timely delivery of Notes to FNMA, FHLMC and GNMA custodians.
- Process and electronically submit loan data to FNMA & FHLMC Cash via Agency/Investor websites with Guild created data and imports.
- Assist in creating and maintaining knowledge of delivery edits and cures/corrections through utilization of Guild tools, including but not limited to Blitzdocs, i5, Agency Guides, Underwriter, Processor, Funder and management communication, documenting solutions for team review and enhanced team knowledge base.
Trust Operation Specialist
MUFG Union Bank
11.2022 - 06.2023
- Managed daily accounting tasks for trust accounts, including processing cash receipts and disbursements, collecting income, and settling trades, ensuring accuracy and compliance with established procedures
- Monitored and executed money market mutual fund trades using CacheMatrix trading system, and reconciled daily transactions to maintain integrity between the trading platform and trust accounting systems
- Conducted thorough daily balancing of financial records, including the preparation of general ledger tickets and the execution of cash management sweep processes, to ensure financial consistency and reliability
Mortgage Funder
CMG Financial
12.2021 - 08.2022
- Reviewed and processed loan applications, ensuring adherence to established policies and procedures, and monitored transactions from initiation to completion
- Conducted thorough reconciliation of final Closing Disclosure fees to guarantee accuracy in financial documentation
- Prepared comprehensive lists of outstanding items and necessary corrections post-funding, and communicated effectively with branch representatives, brokers, and escrow agents to expedite resolution
Closing Disclosure Analyst/Setup Assistant
CMG Financial
07.2020 - 12.2021
- Analyzed and confirmed adjustments in loan circumstances, adhering to designated timelines, and collaborated with loan originators to secure necessary updates to documentation and fees
- Accurately inputted essential data and produced compliant loan disclosures, meeting critical regulatory deadlines
- Maintained adherence to organizational standards and guidelines in all processing activities
Wholesale/Retail Loan Closer III
MUFG Union Bank
06.2016 - 06.2020
- Ensured alignment of closing financial disclosure amounts with settlement and escrow agent figures, accurately reflecting borrower costs
- Prepared preliminary settlement statements and loan closing instructions, facilitating efficient review processes for title companies and closing agents
- Conducted thorough reviews of titles, insurance, and flood zone certifications to adhere to property-specific closing standards
- Addressed inquiries and coordinated with settlement agents, mortgage consultants, and brokers to resolve issues related to loan documentation and closing disclosures
- Reviewed complex loan files, verified accuracy of documents received reviewing for missing documents, credit reports, appraisals, 1040's, financial statements, W-2's, etc
Loan Setup Assistant
MUFG Union Bank
03.2015 - 06.2016
- Conducted thorough initial reviews and verifications of loan submissions, ensuring complete and accurate documentation in alignment with compliance standards
- Analyzed applicant financial data, including credit histories, assets, liabilities, and employment details, effectively gathering essential information for loan processing
- Identified and rectified inconsistencies or errors in loan applications, contributing to the accuracy and efficiency of the loan approval process
Senior Payoff Technician
Guild Mortgage
03.2011 - 03.2013
- Managed precise preparation and processing of loan payoff figures, ensuring accurate communication to various stakeholders including title and escrow companies, attorneys, and borrowers
- Administered daily received payoff funds for Loan Control operations, and efficiently coordinated with Trust and Finance Departments for document retrieval, while handling customer inquiries to maintain high service standards
Education
A.A - Accounting Finance
Grossmont-Cuyamaca Community College
San Diego, CA05.2016
Skills
- Process Analysis
- Experience in Leadership
- Team Building
- Problem Solving
- Written Communication
- Microsoft Word
Languages
Turkish
Full Professional
Russian
Full Professional
Timeline
Agency Shipping Specialist
Guild Mortgage Company
12.2024 - 01.2025
Trust Operation Specialist
MUFG Union Bank
11.2022 - 06.2023
Mortgage Funder
CMG Financial
12.2021 - 08.2022
Closing Disclosure Analyst/Setup Assistant
CMG Financial
07.2020 - 12.2021
Wholesale/Retail Loan Closer III
MUFG Union Bank
06.2016 - 06.2020
Loan Setup Assistant
MUFG Union Bank
03.2015 - 06.2016
Senior Payoff Technician
Guild Mortgage
03.2011 - 03.2013
A.A - Accounting Finance
Grossmont-Cuyamaca Community College
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