Resume of Laurenltorres

LAUREN TORRES
 5810 Rue Burgundy  San Antonio, TX 78240  laurenltorres@yahoo.com  210-789-2899
Actively seeking a position as a
MORTGAGE UNDERWRITER
with a company which needs a qualified individual with demonstrated experience in underwriting, customer
service and management, accounting, processing and problem-solving services, financial, …accompanied
with initiatives, multi-tasking skills and drives to exceed corporate objectives.
Focused, dynamic and results-directed professional with demonstrated success in developing and
optimizing business efficiency. Innovative creator of profit-enhancing cost control and efficiency measures
to improve results. Great knowledge of primary and secondary finance markets. Adept in providing
mortgage loan processing, underwriting, consultative sales, finance management, client relationship
management, E-commerce, excellent customer service, strategic planning, communication, negotiation,
analytical processes, and effective leadership and supervision initiatives facilitating strategies for growth
and profitability. Documented success in tracking and analyzing information that govern financial
objectives achievements and appropriate adjustments recommendations. Strong ability to multi-task,
maintain a high standard of service and quality control, accept new challenges and to quickly learn new
tools and techniques. Able to handle multiple projects and meet deadlines under pressure. Self-motivated
and able to work independently or in a team. Excellent interpersonal skills, able to communicate and
collaborate effectively with co-workers at all levels.
SUMMARY OF QUALIFICATIONS
 Proven expertise in client relationship management; provide finest-quality client service through
diligent responsiveness and thorough follow-up
 Possess strong credit knowledge in first mortgage, auto and home equity
 Experience reviewing credit reports and rendering appropriate credit decisions while exercising sound
judgment
 Confidently displays and shares underwriting knowledge; maintains excellent accuracy and quality
 Talent for understanding market trends; drive business growth through aggressive initiatives that
result in increased revenue growth
 Identify, establish, and manage strategic relationships to leverage significant long term business
opportunities
 Effectively convey intricate loan and sales presentations and training
 Ensures compliance with all Bank, Investor, and regulatory requirements
 Successfully build and maintain key corporate relationships
 Mentor employees by offering peer coaching and resolve employee procedural errors
 Assisted in training and development of training material
 Computer literate: Proficient with Pacer, Lexis Nexis, Auto Pro, Portal, MFP HLS, Outlook, Credit
Revue (CMSI), Session A and B (IMS), Metro 121, Image, Loan Origination System / Unifi, Power
Manager, MS Access, MS Excel, MS PowerPoint and MS Word
CAREER HIGHLIGHTS
Strategic Planning
― Able to introduce systems and referral strategies that build revenues, boost productivity, enhance
customer service and strengthen performance
― Blend management skill and business strategy to ensure short- and long-term goals are met
― Spearhead creation of system to centralize tracking, callbacks, referral comments and reporting
Customer Relationship Management

― Proven record of providing high-quality customer service and utilizing skills in oral presentation of
complex materials to diverse groups
Process and Performance Optimization

― Consistent contributions to bottom-line efficiency, performance, process and profit improvements
― Assisted in the development of standard operating procedures
― Designed and implemented a time allocation database log to increase efficiencies
― Mentor employees and offer peer coaching to resolve errors and streamline operations
Sales and Sales Management

― Adept in marketing loan products resulting in increased market share
LAUREN TORRES
 5810 Rue Burgundy  San Antonio, TX 78240  laurenltorres@yahoo.com  210-789-2899
― Effective and efficient in leading and working with all ages and levels
Underwriting and Loan Processing

― Achieved a First Mortgage lending authorizing up to $417,000 conforming and VA and $250,000 for
home equity loans
― Gained consumer lending authorizing up to $50,000
― Established reputation in administering home equity loan and auto loan applications
― Attained auto value assessment experience (knowledge of NADA/Kelly Blue Book)
CAREER OVERVIEW
MORTGAGE PROCESSOR II: USAA FEDERAL SAVINGS BANK 2009 - 2010

• Provided service to members, realtors, title companies and attorneys by responding to routine to
moderately complex telephone inquiries to complete loan requests
• Complied with all bank, investor and regulatory requirements
• Successfully worked in a fast paced environment and under heavy deadlines
• Managed an assigned pipeline of all conventional and VA mortgages
• Performed a variety of loan documentation duties on moderately complex loans, using comprehensive
knowledge of policies and procedures for loan products. Functions include: processing; closing and
compliance for loan products; interpreting policies while analyzing and underwriting the applicant, property
and documentation; ordering all required verifications, documentation and subsequent follow ups
• Negotiated and determined viable solutions to make deals work while balancing high credit quality
CREDIT ANALYST: CITIFINANCIAL AUTO 2007 – 2008

• Responsible for the timely review of loan applications and decision loans based on loan authority matrix and
company guidelines while remaining consistent with system generated score
• Defined loan stipulations and worked with Loan Processors to obtain proper documentation
• Worked with Buyer to communicate deal approval or rejection to dealer and restructure loan decisions
based on customer information
• Worked directly with Credit Investigator to coordinate direct investigation for up-front due diligence
• Succeeded building and managing a $34 Million portfolio within less than a year and a half period
• Performed dependability in booking on average $2 Million per month, and underwriting on average 100
applications per day
• Effectively increased approval and condition/counter rate by 60%; including achieving a 31+ Delinquency
Percentage 3.7% and 61+ Delinquency Percentage 1.9%
BANK INTERNET SPECIALIST/ORIGINATIONS COUNSELOR: USAA FEDERAL SAVINGS BANK 2000 – 2007
• Handled telephone inquiries from borrowers, reviewed account information and initiated appropriate actions
• Played a key role in managing and maintaining mortgage and home equity loan application workflow
• Originated, underwrote, processed and closed first mortgage and home equity loans
• Familiar with the following products: Conventional, VA, Purchase Money 2nd loans, Convenience Line of
Credits and Equity loans to include Fixed, Line of Credit, Home Improvement and Texas Line of Credit,
Texas Fixed, Texas Home Improvement Loans and Bridge Loans
• Accountable in approving loans within authorized limits
• Prepared and presented recommendations to Loan Committee for exception loans
• Communicated with the consumer lending staff and Member Service Representatives; and ensured quality
member service
• Responsible for proactively soliciting business and conducting sales-related activities in order to meet
specific loan volume origination goals
PROFESSIONAL EDUCATION
Currently pursuing a B.B.A. in Accounting:

University of the Incarnate Word  San Antonio, TX / Expected Graduation Date: December 2011

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LAUREN TORRES

 5810 Rue Burgundy  San Antonio, TX 78240  laurenltorres@yahoo.com  210-789-2899

Actively seeking a position as a

Customer Relationship Management

Process and Performance Optimization

Sales and Sales Management

Underwriting and Loan Processing

MORTGAGE PROCESSOR II: USAA FEDERAL SAVINGS BANK 2009 - 2010

CREDIT ANALYST: CITIFINANCIAL AUTO 2007 – 2008

Currently pursuing a B.B.A. in Accounting:

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