Debra Ann Flores

6207 S. Zarzamora
San Antonio, Texas 78211
Cellular: (210) 843-3801
Email: dflo1963@satx.rr.com

OBJECTIVE:

To obtain a position where 20 years of banking and office experience can be used to
full advantage; where a position with responsibility and challenge lead to
advancement opportunities.

QUALIFICATION HIGHLIGHTS:

• Strong comprehension of Residential and Consumer Lending

• First mortgage and equity closing experience
• MS Office knowledge
• Familiar in reviewing image documents
• Proficient with fax and office equipment
• Proficient 10 key by touch and type 35 w.p.m.
• Adaptable to in house system
• Creative problem solving capabilities
• Detail and Deadline oriented
• Excellent interpersonal and communication skills
• Team player

EXPERIENCE:

August 2009 - February 2010 (Contractor)

USAA Federal Savings Bank

10750 Mc Dermott Freeway
San Antonio, Texas 78288

Bank Quality Review Analyst

• Responsible for the monitoring on various loan programs and to ensure
quality and compliance that investor and bank requirements are met
• Maintains all loan program guidelines
• Evaluates the quality of mortgage loans to include the completeness and
accuracy of legal docs, property appraisals and flood certifications
• Identifies ineffective and inconsistent procedures and uncover isolated errors,
corrects deficiencies and coordinates findings with management
• Responsible to ensure a timely delivery of audit review responses based on
lending policies and guidelines; along with investor guidelines and
requirements
December 2008 - July 2009

Frost National Bank

100 W. Houston
San Antonio, Texas 78201

Funds Transfer Specialist

• Responsible for the processing and verification on the transfer of funds for
both incoming and outgoing wires to different closing entities such as title
companies, attorneys and other closing agents to ensure proper credit for
closing
• Transfer authority exceeding $1,000,000.00
• Responsible for the processing and verification on incoming domestic and
international wires
• Responsible for the processing and verification on outgoing domestic and
international wires

April 2007 - June 2007 (Contractor)

Washington Mutual
Stone Oak Parkway
San Antonio, Texas

1st Mortgage Sr. Loan Coordinator

• Responsible for obtaining and processing title commitments, appraisals, and
income to ensure bank regulations on 50 states
• Responsible for reviewing HUD1 Settlement Statements and prepare
documents for closing

October 1999 - April 2007

USAA Federal Savings Bank

10750 Mc Dermott Freeway
San Antonio, Texas 78288

Home Equity Processor / Underwriter / Closer / Client Service Representative

• Successful record of processing, underwriting, and closing Home Equity Loans
for 50 states
• Responsible for lending authority in the amount of $250,000.00
• Reviewed title work, appraisals, flood certifications, HUD1 settlement
statements, plus verified income to ensure banking compliance
• Phone and written communication with members to provide status and obtain
additional information, as needed, for closing
• Processed and balanced all fees on HUD1 settlement statement for auditing
purposes
• Serving members by responding to their questions with issues related to loan
status
• Prepared documents for closing
• Back up Client Service queue by taking phone calls from members and other
USAA personnel
• Performed Sr. Specialist duties such as: handle irate member calls to resolve
issues on various situations, assist internal employees to resolve issues on
various problems

Integrated Sales and Service Specialist

• Used extensive bank knowledge to meet member’s financial needs to include
1st Mortgage Loans, Equity Loans, Consumer Loans and Deposit Accounts

October 1998 - October 1999

World Savings
Wiseman Blvd.
San Antonio, Texas

Quality Control Unit Manager

• Reviewed and processed title work, income, appraisals and HUD1 settlement
statements to ensure banking compliance
• Processed and balanced all fees on HUD1 settlement statement for auditing
purposes
• Managed unit in assisting them with inquiries in regards to mortgage issues
with processing errors

December 1987 - July 1998

San Antonio Federal Credit Union (SACU)

6061 IH 10 West
San Antonio, Texas 78201

Investor Reporter
• Meet investor servicing requirements as published by Fannie Mae (FNMA) and
other investors for loans sold in the secondary market
• Reconciliation of FNMA accounts as required by FNMA guidelines
• Prepare and update end of month servicing reports used to identify the status
of entire portfolio
• Reviewed and audited loan documents for Conventional, VA, FHA and ARM
loans to ensure credit union compliance

Wire Transfer Department / Cash Support Operations

• Processed incoming and outgoing wire activity
• Reconciliation of daily wire activity
• Assisted members with inquiries regarding status on incoming and outgoing
wires
• Processed end of day reports

Commercial Vault / Cash Support Operations

• Processed daily cash orders for all branches
• Prepared daily cash orders for more than 60 credit union ATMs
• Reconciliation of end of day vault transactions
• Weekly reconciliation and distribution of all branch traveler’s check request
• Phone and written communication with internal customers

ATM Teller / Cash Support Operations

• Daily reconciliation of credit union ATMS to include processing of deposits and
balancing of machines
• Assisted branch personnel with ATM reconciliation
• Monitored monetary levels of credit union ATM system replenishing machines
as needed
• Phone and written communication with internal customers

Senior Teller / Cash Operations

• Monitored daily cash orders to ensure adequate funds for daily branch
operations
• Preformed supervisory duties including authorizing teller overrides on
restricted accounts
• Daily reconciliation of teller drawers, coin teller and branch vault
• Assisted members with account inquiries