Helen Marcela Taborga
Nokesville
Summary
Detail-oriented Loan Processor with proven expertise in streamlining loan processing and ensuring compliance with federal regulations. Known for strong problem-solving abilities and effective communication, contributing to optimized workflows and improved client satisfaction.
Overview
19
19
years of professional experience
Work History
Loan Processor
Loansteady
McLean
10.2024 - 08.2025
- Prepare and processes (FHA, VA, USDA, VHDA, 203K and Conventional) mortgage loan records, files and correspondence from time of application through approval and closing with different Federally Regulated programs.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Reduced loan processing time by developing and employing standardized documentation procedures.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Set up and completed loan submission packages.
- Collaborated with underwriting team to ensure accurate risk assessment and appropriate loan approvals.
- Reviewed and validated details of loan applications and closing documentation.
- Worked with customers via telephone to answer questions, process transactions, and resolve issues.
- Contributed to company growth by successfully managing an expanding portfolio of diverse loans.
- Handled any conditions sent from underwriting departments.
- Organized detailed records of completed loans for easy retrieval during audits or reviews.
- Maintained compliance with federal regulations by meticulously reviewing all loan documents, ensuring accuracy, and completeness.
- Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
- Collaborated with loan officers to develop strategies for managing loan application processing.
- Utilized loan origination software to process and track loan applications.
- Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Excellent communication skills, both verbal and written.
- Proven ability to learn quickly and adapt to new situations.
- Skilled at working independently and collaboratively in a team environment.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Use various computer system and tools to research, verify and confirm clients' history and information to include Encompass and Genesis origination software.
- DU/DO, GUS, LP, FHA connection.
Senior Loan Processor
First Heritage Mortgage
04.2013 - 09.2022
- Prepare and processes (FHA, VA, USDA, VHDA, 203K and Conventional) mortgage loan records, files and correspondence from time of application through approval and closing with different Federally Regulated programs.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Reduced loan processing time by developing and employing standardized documentation procedures.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Set up and completed loan submission packages.
- Collaborated with underwriting team to ensure accurate risk assessment and appropriate loan approvals.
- Reviewed and validated details of loan applications and closing documentation.
- Worked with customers via telephone to answer questions, process transactions, and resolve issues.
- Contributed to company growth by successfully managing an expanding portfolio of diverse loans.
- Handled any conditions sent from underwriting departments.
- Organized detailed records of completed loans for easy retrieval during audits or reviews.
- Maintained compliance with federal regulations by meticulously reviewing all loan documents, ensuring accuracy, and completeness.
- Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
- Collaborated with loan officers to develop strategies for managing loan application processing.
- Utilized loan origination software to process and track loan applications.
- Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Excellent communication skills, both verbal and written.
- Proven ability to learn quickly and adapt to new situations.
- Skilled at working independently and collaboratively in a team environment.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Use various computer system and tools to research, verify and confirm clients' history and information to include Encompass and Genesis origination software.
- DU/DO, GUS, LP, FHA connection.
Loan Processor
WestStar Mortgage, Inc
04.2008 - 03.2013
- Prepare and processes (FHA, VA, USDA, VHDA, 203K and Conventional) mortgage loan records, files and correspondence from time of application through approval and closing with different Federally Regulated programs.
- Assures compliance with guidelines and customer service standards.
- Review applications to determine eligibility and provide feedback to Loan Officer and clients in regard to options and resources available to best accommodate the clients' needs.
- Communicate with customers, internal staff, counsel, title companies, etc.
- To respond to inquiries, resolve problems and obtain necessary documentation required for the successful completion of the file.
- Review and assess applications to ensure clients are provided best services available.
- After review and placement, approve client for specific services and provide guidance and support throughout the process.
- Conduct constant communication and interviews with clients to assess needs and update statuses.
- Manage and closes $2 to 4 million monthly pipelines with a national mortgage company.
- Adhere to time sensitive deadlines in a high stress environment.
- Adhere to, interpret, apply and follow complex policy and procedures on local, state and federal levels.
- Maintains industry standard certifications and complies with mandatory Federal Mortgage Industry Regulations
- Skilled in programs and budget planning, programming analysis and execution
- Knowledge of cost analysis, acquisition processes, market research, and source selection
- Use various computer system and tools to research, verify and confirm clients' history and information to include Encompass and Genesis origination software
- DU/DO, GUS, LP, FHA connection.
Loan Processor
Embassy Mortgage, Inc
07.2006 - 03.2008
- Review and assess applications to ensure clients are provided best services available.
- After review and placement, approve client for specific services and provide guidance and support throughout the process.
- Conduct constant communication and interviews with clients to assess needs and update statuses.
- Adhere to, interpret, apply and follow complex policy and procedures on local, state and federal levels.
- Maintains industry standard certifications and complies with mandatory Federal Mortgage Industry Regulations.
- Skilled in programs and budget planning, programming analysis and execution.
- Knowledge of cost analysis, acquisition processes, market research, and source selection.
- Use various computer system and tools to research, verify and confirm clients' history and information to include Point software.
- DU/DO, LP, FHA connection.
Education
Bookkeeping -
NVCC
01.2008
ESL (English as a second Language) -
NVCC
01.2007
ESL (English as a second Language) -
Wilston Adult School
01.2002
High School Diploma -
Santa Cruz – Bolivia
11.1998
Skills
- Outstanding organizational, management and communication skills
- Highly organized, dependable, with strong people-to-people attributes
- Extremely adaptable and able to perform in very high stress environments
- Adheres to policies and procedures while viewing situations as a challenge with creative solutions
- Fluent in Spanish
- Microsoft Office (Word, Excel, Power Point)
- Various Mortgage lending programs to include Point, Encompass and Genesis origination software, DU/DO, GUS, LP
References
Professional and personal references available upon request.
Functional Summary
Over fifteen years of experience assessing and determining eligibility for financial programs. Work directly with Loan Officers and productions staff to asses clients for program placement; recommend and follow up with community and financial resources. Consistently manage a large caseload while adhering to program polices and procedures in a high stress environment.
Timeline
Loan Processor
Loansteady
10.2024 - 08.2025
Senior Loan Processor
First Heritage Mortgage
04.2013 - 09.2022
Loan Processor
WestStar Mortgage, Inc
04.2008 - 03.2013
Loan Processor
Embassy Mortgage, Inc
07.2006 - 03.2008
Bookkeeping -
NVCC
ESL (English as a second Language) -
NVCC
ESL (English as a second Language) -
Wilston Adult School
High School Diploma -
Santa Cruz – Bolivia
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