Rachel Reynoso has over 15 years of experience in loan processing, underwriting, and quality control. She has worked for several large financial institutions including USAA, CitiMortgage, Bank of America, and EMC Mortgage. She has a proven track record of exceeding goals and metrics. Reynoso received her Paralegal Certificate in 2015 and B.S. in Marketing from the University of North Texas in 2007.

1. Rachel Reynoso
2609 Whitehill Dr - Little Elm, TX 75068
Home: 972-292-0938 * Email: rreynoso45@sbcglobal.net
Summary
A Responsible and dedicated professional with wide-ranging experience in analyzing, quality control,
pricing, research, retail, wholesale & secondary lending. Takes on additional responsibilities and meets
new challenges as a driven multi-tasker. Makes strong contributions to long-term business success and
partners quantity with quality.
8/2013-5/2015
Paralegal Certifcate - I have recently studied courses such as Legal Terminology, Family Law,
Paralegal Fundamentals, Ethics, Research, Writing, Real Estate Law, Technical Writing
Business Law, Torts, Civil Law, Criminal Law and Corporate Law. Draft and review contracts.
Highly motivated with precise customer service skills.
Work History
Loan Processor II Retail Banking 11/26/12-8/14/13
USAA Federal Savings Bank
Able to meet deadlines and while serving our military community. Member orientated, accurate,
detailed while meeting goals. Time orientated and received customer and internal awards for my
contributions to the organization. A strong processor who utilizes strengths and contributes to
maintaining an excellent pipeline.
Sr Loan Processor Retail Banking
CitiMortgage, Inc. 1/23/12-11/8/12
Exceptional communication and interpersonal skills. Exceed expectations in loans funded and in
continual communication with customers. Answer questions and assist others on processing
questions and escalation files. Ranked number one in customer contacts. Assisted in correcting
a conditions report. Able to multitask many activities simultaneously. Train new employees.
Research and request the correct conditions prior to underwriting to get a full approval first time.
Sr Loan Processor Retail Banking
Aerotek (Bank of America) 10/11/10-03/03/11
Received 5 files to earn AUS and had submitted 4 out of 5 prior to contract ending. Excellent
communication skills. Able to navigate all systems. Met my assigned goals while maintaining
customer calls and ECD dates.
SR Loan Processor Retail Banking
CitiMortgage, Inc. 07/09/07-03/19/10
Ranked within the top 5% of Loan processors in the retail division of CitiMortgage. Constant
communication with customers in regards to loan documents requested by the underwriter in
order to complete transaction. Able to handle loan from beginning to end (origination to funding
to post purchase). Managed over 100 customers by calling as needed order and all once a week
for documents. Responsible for obtaining hazard insurance and appraisal specifications requested

2. by underwriting. Excellent communication skills between underwriting to customer to sales.
Package loan for funding and while consistently meeting or exceeding goals.
At CitiMortgage I worked in the Special Programs division (VA, FHA) as a funder with the additional
responsibility of handling post purchase issues such as wire adjustments, pricing etc.. From there I was
promoted to a Loan Processor in the Retail Banking Division and understand DU programs.
Ensured customer satisfaction with balanced compliance.
 Retail Mortgage ranked within top 15% among processors in Irving office
 Ensured customer satisfaction with balanced compliance.
 Achieved a 99% accuracy rate for wire adjustments researched and resolved.
 Appointed the lead Post Purchase Research & Resolution Coordinator
Post Purchase Research & Resolution Coordinator
Adecco
07/02/06-10/15/06
EMC
10/16/06-06/5/07
EMC Mortgage, Lewisville, TX
Communicated with business partners to prepare loans for securities or to be sold.
Analyzed and Researched servicing transactions and prepared wire adjustments for discrepancies.
Approved changes to loans serviced after extensive due diligence. Including escrows, purchase balances,
bank statements, interest rates, margins, first payment dates, buy price, fees, pay histories, interim
interest, unidentified checks, loan terms and programs. Audited and critiqued problem loan documents
verbiage to verify validity. Corresponded with lenders to coordinate the receipt of corrected loan
documents to prevent re-purchase. Prepared daily report to management of Conduit errors and created
additional reports for internal and external customers. Trained new employees on job functions and
process.
Additional Experience
Loan Processing Wholesale Mortgage,
Long Beach Mortgage, Plano TX 06/02/03-12/12/05
Responsible for processing and clearing conditions on each file per assigned AE. Managed a pipeline of
40-60 loans per month. Final audits include, VOE, VOM, HMDA, DTI calculations, credit reports, LTV,
program, conditions, bank statements, leases, invoices to ensure guidelines are met. Analyzed conditions
through cross-referencing public records, internet and company databases. Resolved inconsistencies
between appraisals, titles, contracts, insurance and 1003. Accountable for the success of each loan and
maintained an ongoing relationship with brokers to establish a win-win rapport. Trained new employees.
Top Funder/Closer for 2004 prior to promotion to be a SLC.
Education
UNIVERSITY OF NORTH TEXAS, Denton, TX. Graduate 2007. B.S., Marketing; UTA – Paralegal Cert 2015