Josie Zepeda-Bernal has over 10 years of experience in mortgage lending, including roles in loan processing, underwriting, customer service, and relationship management. She is proficient in all aspects of originating residential mortgage loans, from intake through closing. Her background includes positions at several major financial institutions with responsibilities in loan origination, underwriting, customer service, and default servicing and loan modifications.

1. JOSIE ZEPEDA-BERNAL
Sylmar, CA 91342 / 818-970-0395 / LinkedIn: josie_zepeda@verizon.net
PROFESSIONAL SUMMARY and SKILLS
• Self-motivated and dependable mortgage industry professional with over 10 years of experience in
Loan Processing, Underwriting, Credit Analysis and Customer Service.
• Experienced and comprehensive knowledge of conventional and government loan programs.
• Workwell underpressure bothindependentlyandaspartof ateaminadeadlinedrivenenvironment,
proficient and business driven.
 Strong Customer Service and communication skills, strengths include managing data, planning,
organizing and implementing strategies, procedures, and work plans that increases productivity.
Ability to gather and analyze information, make decisions and set priorities.
 Conforming & Nonconforming Loans, Fixed Rate and Adjustable Rate Mortgages, Fannie Mae,
Freddie Mac.
 Proficient with Microsoft, Outlook. Knowledgeable in Word, Excel and Power Point.
PROFESSIONAL EXPERIENCE
CITY NATIONAL BANK,LOS ANGELES,CA 10/2015 – PRESENT
SENIOR MORTGAGE SUPPORT SPECIALIST
• Assist Borrowers with the purchase/refinance of their primary, secondary, or investment home by
accurately ordering, gathering, reviewing, and validating all supporting loan and credit worthiness
documentation and fees to move file to Underwriting.
• Interact and coordinate with Real Estate Consultants, Processors, Underwriters, Title and Escrow
Officers and Appraisers to ensure accurate and timelydelivery of all disclosures pursuant to federal
mortgage regulations.
• Assist Relationship Managers and Real Estate Consultants with the management of portfolio loans
through research analysis and by accurately reviewing financial information, by receiving incoming
client and third party conditions, by inputting loan information into loanorigination system,and by
keeping them informed at all times via verbal and written communication.
• Serve asliaisonwithlendingteamandlegal toensureall loansare properlystructured,disclosed,and
documented to protect the Bank’s interest.
• Part of a pilot team to test and develop detailed process scripts based on software functional
specificationsof a newloanoriginationsystemand developaprocess flow thatwill assistcolleagues
to advance from a physical to a paperless file.
LOGIX FEDERAL CREDIT UNION, BURBANK, CA / PROTOCOL, CALABASAS, CA
SENIOR REAL ESTATE LOAN PROCESSOR 10/2014 – 09/2015
• Accomplishedmonthlypersonal,departmentandCompanygoalsbyproviding outstandingcustomer
service, file accuracy, and funding goals and by maintaining weekly oral and/or written
communication with internal and external customers.
• Assisted Homeowner’s obtain a mortgage loan by accurately analyzing and verifying income,assets,
creditworthiness,andbyreviewingandvalidatingloanapplications,disclosures,purchase contracts,
propertytitle reports,appraisalsandcollateralpackagesforcompleteness,accuracyandcompliance.
• Verified member’s employment, requested homeowner’s insurance and verified proper mortgagee
clause and adequate coverage amount. Reduced loan document re-draws and funding delays by
verifying pricing and satisfying all program and Underwriting conditions and by ensuring loans met
guidelines established by the Credit Union as well as state and federal regulations.
• Preparedfinal closingdocumentsanddeliveredthemtoappropriate partiesforexecution. Received
andexaminedexecutedloandocument forcompleteness. Preparedfileforfunding. Fundedtheloan
and payed third party fees. Followed up on all necessary post-closing documentation.

2. ZEPEDA-BERNAL
JP MORGAN CHASE, CHATSWORTH, CA
SENIOR MORTGAGE LOAN PROCESSOR III 1/ 2012 – 11/2013
• Assisted Homeowner’s lower their monthly mortgage payment by proficiently and efficiently
managing the processing of over 50 streamline home loan refinance applications a month.
• Continuouslymetdepartmentgoalsbythoroughlyreviewing,validatingandanalyzingloanpackages
for completeness, accuracy, and compliance with both Company and State guidelines, procedures,
and requirements.
• Maintained superior Customer Service and high quality assurance scores by reducing signing re-
schedules, documenting the process, keeping Homeowners informed, and by reviewing loan terms
and conditions with borrowers prior to scheduling document signing.
WASHINGTON MUTUAL, CHATSWORTH, CA
RELATIONSHIP MANAGER 9/2008 –12/2011
 Assisted Homeowners facing foreclosure proceedings keep their home by managing a monthly
pipelineof overfiftymodificationapplicationsandbyvalidatingandverifyingHomeowner’shardship,
income, liabilities and reason for delinquency, and by ensuring the accuracy and completeness of
documentation and disclosures.
 Continuously achieved outstanding Customer Service by maintaining constant communication with
Borrowers on the process. Addressed customer inquiries, delivered information, proposed
suggestions, provided guidance and negotiated conflict.
 Recommended foreclosure prevention alternatives that would benefit the Homeowner while at the
same time ensuring that all Company and Investor’s guidelines, procedures and guiding principles
were followed.
WMC / GE MONEY BANK, BURBANK, CA
CREDIT-LOAN ANALYST / MORTGAGE UNDERWRITER II 5/2003 – 11/2007
 Assisted Borrowers with the sale and / or the purchase of their primary, secondary, or investment
property by accurately reviewing, validating, and verifying loan applications,disclosures, purchase
contracts, credit worthiness and collateral packages for completeness, accuracy and compliance.
 Effectively calculated and validated income, assets, and liability documentation. Analyzed data and
verifiedpricing. Approvedconditionsandmanagedinformation. Ensuredcompliance withcompany
policies, underwriting guidelines, and lending program requirements.
 Developed procedures that increased productivity, interpreted policy, maintained and improved
internal and external client relations by providing verbal and / or written communication on the
process. Developed individual work plans, goal setting strategies, and networking skills.
EDUCATION
BA, Political Science, California State University, Dominguez Hills, CA
AA, El Camino College, Torrance, CA