1. Maribel Flores
5302 E Vanburen Apt 3057 PHX 85008
Maribel_Flores21@yahoo.com
480-600-1986
WORK EXPERIENCE
Wells Fargo Home Mortgage, Tempe March 2015 - Present
 Quality Assurance Mortgage Analyst
 Audited Funded & Non Funded Loans; FHA, Conventional & Va. Loans As well gained
Specialized Expertise in Federal regulatory reporting.
 Tested Truth & Lending, to ensure the TIL did not contain errors.
 Utilized job aids daily to reference to clarify test questions.
 Performed Series of test such as Truth & Lending, Right of Recession, Respa Hud1,
Reg B, Initial disclosers, Safe ID, Hazard Flood, Appraisal delivery, and Texas Cash
Out.
 Analyzed Mortgage disclosures to ensure government timing requirements were met.
 Audited Spanish calls to ensure proper disclosures were being delivered to the
customer.
 Audited credit report with vs disclosures sent and ensured the correct information was
provided.
Wells Fargo Home Mortgage, Tempe November 2013 – March 2015
 Office of President Home Preservation Analyst
 Worked 512 Pick A Pay Loans
 Managed a pipeline of 45 Files plus, & ensured all accounts were properly noted.
 De Escalated upset customers over the phone, while meeting all SOAR requirements.
 Followed up with customers regarding executive complaints to the CEO
 Collected and processed documents to submit to underwriting team
 Responsible for following up with customers on regular to collect needed documents
to complete RMA package.
 Worked with the underwriters to fulfill outstanding conditions
 Worked with very upset and difficult borrowers on daily basis.
 Advised customers of Approvals and Denial details.
Wells Fargo Home Mortgage, Tempe June 2012- November 2013
 Renovation Division Closer/ Funder
 Worked with Renovation loans (FHA & Conventional) purchases and refinances.
 Successfully managed growing pipeline while 90% of loan were typically rushed
status.
 Handled executive complaints to ensure smooth closing
 Audited UW files prior to sending docs to title to ensure error free
 Responsible for auditing HUD’s & instructing Title when corrections needed to be
made.

2.  Ensured all FHA, Conventional and Underwriter requirements were met to fund loan.
Confirmed loan documents were completed correctly with no missing signatures.
 Special projects – I was chosen to be the go to person for our energy efficient
Mortgage program. My responsibilities consisted of making sure all loans closed
correctly with the extra fee’s EEM loans occur. Ensuring title filed the proper paper
work with the city for EEM Loan to record.
 Assisted with training new hires Assisted with taking on additional work when short
staffed and working additional hours as business required
 Received Winner Service Excellence Award
Bank of America, Tempe July 2011 - June 2012
 Loan Funder & QA Specialist
 Reviewed Special Forbearance Loans ensured loan met government requirements
 Filed 10-15 forbearance request per day
 Funded & closed out special forbearance loans share point system
 Completed QA FNMA, HELOC, 2mp Non GSE Loans
 Completed QA between 20-30 Loans per day
 Reviewed loan documents and compared to LLD (excel spread sheet) to ensure
accuracy
 Made decisions to fail loans based on incorrect information provided on LLD
Wells Fargo Home Mortgage, Tempe August 2010- January 2011
 (Temp) Refinanced Mortgage Closer & Funder Harp Mortgage Specialist
 Finalized Mortgage documents to send to title companies
 Reviewed & approved HUDS
 Reviewed calculations were in compliance with Harp guide lines
 Completed verification of employment
 Pre-closed on FHA/VA Loans
 Insured funding conditions were executed properly
 Insured right of recession tool was completed correctly
 Completed RESPA Training
 Worked with mortgage consultants and Title companies.
 Processed Mortgage documents, Tax Returns, Pay stub and Subornation’s
Bank of America, Tempe February 2010- August 2010
 (Temp) Modification Closer
 Review and adjust misapplied funds i.e. trial payments, escrow, fees, principal/Interest
payments
 Analyze FNMA/FHA/ Conventional accounts for correct payment posting & account
information
 Close out accounts once all monies have been applied and updated in SRM system.
 Doc preparation and submission to QC
 Audit FHA/Conventional Doc to confirm all required signatures are visible, upfront funds are
received and documents are notarized.
 Set mobile notary appointments for home owners completing MHA Program.
 Uploaded & attached settlement documents for mobile notary service
 Worked Minimum of 50+ Files per night
 Processed Modification Agreement, insured documents were executed properly
 Performed quality assurance on defaulted loans ( Special project teams)