Gracely Moreno
1081 N Quail Ln
Summary
A 20 year bilingual professional with strong foundation in risk assessment, financial analysis, and decision-making. Skilled in evaluating creditworthiness, analyzing financial statements, and managing risk exposure. Adept at fostering team collaboration and adaptable to changing needs to ensure optimal results.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Underwriter (Contractor)
Peoples Mortgage Company
02.2023 - 11.2024
- Review loan applications and perform a risk assessments based on credit rating, documents and other specific risk factor's.
- Collect and analyze client's financial information to asses loan risk.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations and guidelines.
- Provided excellent internal customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
Mortgage Underwriter
Home Point Financial
09.2020 - 11.2022
- Responsible for underwriting conventional loans and evaluating residential mortgage applications, originated by a variety of branch officers, ensuring to remain in full compliance with mortgage requirements
- Approved or denied loans based on established criteria and underwriting guidelines.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
Sr. Loan Processor
Eagle Home Mortgage, LLC
01.2014 - 08.2019
- Managed a high-volume pipeline of loans, FHA, VA, USDA, CONV. Consistently meeting deadlines and maintaining accuracy in documentation.
- 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.
- Streamlined loan processing by implementing efficient workflow systems and task prioritization. Closing 15 to 20 loans monthly.
Sr. Loan Processor
BBVA Compass
01.2009 - 01.2014
- Review application and manage a pipeline of 40 loans in various stages of processing FHA/VA/USDA/BONDS/CONV with a closing rate of 20 plus loans
- Ensure accurate and timely loan processing through efficient compliance of borrower's financial documentation.
- Order preliminary CD's closing disclosures.
- Consistenly met and exceeded goal sent by management for the number of loans processed to closing, customer service and turn time.
- Awarded several times employee of the month for performance, customer satisfaction and contribution for training new hires.
Education
Bachelor of Science - Accounting
College Divine Salvador
San Salvador CASkills
- Underwriting guidelines
- Analyzing data
- Research skills
- Creditworthiness assessment
- Problem-solving abilities
- Critical Thinking
- Time management abilities
- Property appraisal
- Multitasking Abilities
- Customer Service
- Professionalism
- Problem-solving aptitude
- Communication Skills
Accomplishments
At BBVA Bank. I was awarded for being a team player and I was nominated by my team mates to be the next team lead in operations. For becoming an expert in the FHA field.
Certification
Real Estate License in AZ 2004
Languages
English
Full Professional
Spanish
Native or Bilingual
Timeline
Underwriter (Contractor)
Peoples Mortgage Company
02.2023 - 11.2024
Mortgage Underwriter
Home Point Financial
09.2020 - 11.2022
Sr. Loan Processor
Eagle Home Mortgage, LLC
01.2014 - 08.2019
Sr. Loan Processor
BBVA Compass
01.2009 - 01.2014
Bachelor of Science - Accounting
College Divine Salvador
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