Diana M Blanks

Manage mortgage loan files from credit/collateral review through submission to underwriting and closing, ensuring HMDA data entry and accurate loan conditions. Verify TRID and regulatory compliance, clear conditions, and coordinate/execute closing actions including redisclosure for changes of circumstance.

Review and evaluate documents to determine whether buyer, property, and co-ownership conditions meet applicable investor guidelines and underwriting requirements. Conditionally approve/recommend rejection, request additional information as needed, and escalate potential fraud or risk indicators.

Serve as point of contact for applicants and account executives, reviewing documentation for accuracy and compliance with underwriting guidelines. Manage a pipeline of loan files and support underwriting submission by calculating income/DTI and running automated underwriting systems.

Prepare and set up loan applications and support loan processing through closing by ordering third-party services and coordinating schedules. Calculate income for underwriting submissions, manage loan estimates/disclosures as applicable, and communicate with borrowers, title companies, and the loan team to keep files complete for approval.

Support loan officer loan origination by preparing applications, entering and setting up loan files, and coordinating required third-party services. Assist with underwriting conditions and help ensure documents are organized for loan processing through closing.

Prepare and set up loan files with application data and manage loan officer marketing/database activities. Assist with underwriting conditions and coordinate loan closings, compliance review materials, and borrower communications to support timely processing.

Review residential mortgage application files for completeness and alignment with investor guidelines, including assets, liabilities, income, credit, and employment. Order required property/loan documentation, resolve issues with underwriting, and manage loan pipeline status for leadership.

In a loss mitigation group, serve as a subject matter expert by interpreting servicer documentation for modifications, short sales, and third-party loans. Perform quality control, analyze production/error/time-study data, create settlement tracking reports, and coordinate testing and process improvements using established software platforms.

Work on settlement documentation received from servicers after borrower closing and support loss mitigation operations as a business analyst. Review at-risk accounts, approve/reject workout proposals, expedite documentation, generate daily inventory reports, and provide training on policies and procedures.

Pre-qualify customers and place accounts into loss mitigation workout plans such as reinstatements, payoffs, modifications, payment plans, and short sales. Manage inbound/outbound outreach for delinquent accounts, maintain and analyze documentation, and ensure compliance with applicable company/investor/PMI and federal/state/local laws.

Provide subject matter expertise and guidance to an ACT team (appraisals, closing, titles) for the Road Home program by monitoring due diligence results and performing independent oversight decisions. Review grant file data, reports, and inspections for completeness and collateral acceptability against HUD and program guidelines, including QA/QC and eligibility determinations.

Studied Nutrition and Dietetics at Pontificia Universidad Javeriana in Bogotá, Colombia.