Summary
Overview
Work History
Education
Skills
Timeline
Generic

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
Online
07-2025

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
Tiffany Hernandez