Tiffany Hernandez
Cortez,CO
Summary
Highly skilled Loan Specialist with expertise in data review and accuracy. Hardworking professional with over 20 years of assisting lenders with loan underwriting which includes reviewing income, assets and credit histories.
Overview
18
18
years of professional experience
Work History
Origination & Processing Division/Loan Specialist
USDA Rural Development
08.2018 - Current
- Company Overview: OPD (Origination and Processing Division)
- In August 2018 I was selected for a detail position on the Auxiliary Processing Unit (APU)
- In December 2019 with Guaranteed Housing integration I was permanently placed in OPD Division One, Team 2 as a Loan Specialist
- My duties include customers service to internal and external customers, monitor inbox for new tasks, review loan applications and make decisions for approval or rejections
- Review loan applications for accuracy and completeness and notify the lender of deficiencies
- Income, assets, credit, and appraisals are analyzed in compliance to the Guaranteed Handbook 3555
- Communicate with my Branch Chief and Team Lead Specialists on issues, concerns, or suggestions
- I have met or exceeded all my performance goals and elements
- Reduced turnaround time for loan approvals by efficiently managing workload and prioritizing tasks.
- Enhanced customer satisfaction levels with clear communication and timely follow-ups on loan applications.
- Maintained compliance with industry regulations and company policies during the entire loan process.
- Examined customer loan applications for loan approvals and denials.
Guaranteed Loan Specialist
USDA Rural Development
01.2013 - 08.2018
- Daily checks of in system to determine completed applications
- Follow up on missing documentation in a timely manner
- Experience in reviewing REFERS, REFERS with Caution and Full Documentation submissions
- Review appraisals for accuracy and compliance
- Daily monitoring of the inquiry email box and answer lender, realtor and borrower questions
- Have attended several outreach meeting and lender trainings
- Familiar with various states rules / regulations
Area Loan Specialist
USDA Rural Development
09.2007 - 01.2013
- During this time period I helped train our new tech on how to process loans
- I approved 502 Direct loans and 504 loans and grants
- Helped administer and manage the Self-Help program for our area
- Performed inspections for new construction, self-help and 504s
- Attended closings
- Attended outreach sessions with realtors and partnering non-profits
Education
Certification - Underwriting
NAMU-National Association of Mortgage Underwriters
Online07-2025
Skills
- Telephone and email etiquette
- Loan underwriting
- Credit analysis
- Collateral evaluation
- Document analysis
- Teamwork and collaboration
- Time management
- Attention to detail
- Multitasking Abilities
- Organizational skills
Timeline
Origination & Processing Division/Loan Specialist
USDA Rural Development
08.2018 - Current
Guaranteed Loan Specialist
USDA Rural Development
01.2013 - 08.2018
Area Loan Specialist
USDA Rural Development
09.2007 - 01.2013
Certification - Underwriting
NAMU-National Association of Mortgage Underwriters
Similar Profiles
Nicole GillespieNicole Gillespie
Sr. National Public Affairs and Marketing Director at USDA Rural DevelopmentSr. National Public Affairs and Marketing Director at USDA Rural Development
Cynthia FrazierCynthia Frazier
Team Lead at USDA, Rural DevelopmentTeam Lead at USDA, Rural Development
Emily CannonEmily Cannon
Regional Public Affairs Specialist at USDA Rural DevelopmentRegional Public Affairs Specialist at USDA Rural Development
Claudia MartinClaudia Martin
Teacher at Mountain Song Community SchoolTeacher at Mountain Song Community School
Kate RowanKate Rowan
Undergraduate Research Assistant at Professor Christie TothUndergraduate Research Assistant at Professor Christie Toth