Nerissa Oblea
Mandaluyong City
Summary
Detail-oriented and results-driven Mortgage Processing and Finance professional with extensive experience in loan processing, compliance, invoice management, and financial reporting. Adept at leveraging analytical skills, attention to detail, and advanced technical expertise to streamline operations and ensure regulatory compliance. A dedicated team player committed to professional growth and operational excellence.
Mortgage processing professional with in-depth knowledge of loan documentation, underwriting guidelines, and regulatory compliance. Strong focus on team collaboration and achieving results. Reliable and adaptable to changing needs. Skilled in financial analysis, customer service, and problem-solving.
Overview
9
9
years of professional experience
Work History
Junior Mortgage Processor (Loan Set-up)
NightOwl Consulting Philippines Inc.
10.2024 - Current
- Manage lead notes received from Loan Officers and monitor incoming 'App Submitted' emails
- Set up and review Encompass files, order credit reports, and organize client documents
- Conduct initial file reviews, send client needs lists, and communicate with pre-approval teams
- Run DU/LP and order appraisals as required
- Maintain a comprehensive tracker for all files to ensure accurate and timely processing
Senior Process Associate & Retirement Plan Operations Specialist
Tata Consultancy Services
08.2022 - 10.2024
- Handled a position in Loan Administration (Invoice Management)
- Reviewed and approved invoices according to investor guidelines
- Reviewed daily reports to ensure timeliness of invoice payments
- Monitored and timely assigning of email from LOB’s Default Mailbox
- Communicated with lines of business and/or vendors to obtain additional supporting documents or clarification on expense line items
- Provide support to plan participants regarding various issues
- Assists in client account related issues and seeks optimal solutions to resolve customer concerns
- Conducting thorough validation of Client information and applications for each transaction
- Confirming availability and accessibility of funds per plan rules and retirement/pension regulations
Disclosure Specialist & Compliance Analyst
EMAPTA Versatile Services, Inc.
08.2020 - 07.2022
- Checking and answering emails from clients
- Monitoring files in Encompass daily to ensure that all disclosure requests are fulfilled in a timely manner
- Checking and inputting of fees based on the fee quote provided by the Closing Agent
- Sending Revised Loan Estimate, Initial Closing Disclosure and Revised Closing Disclosure to the borrower with accurate fees and information
- Issuing of change of circumstance if there are changes made from Initial LE/CD that would require a revision
- Review and sign off compliance conditions to ensure loans are compliant with federal, state, and investor regulations
Process Analyst (Retail LE - Redisclosure)
Incenter Solutions
10.2019 - 08.2020
- Responsible for checking the borrower’s loan information
- Communicating with Loan Originator thru email for discrepancy, findings, special request, and any other concern
- Disclose all fees accurately according to loan product and loan term
- Efficiently monitor, manage, and maintain the assigned pipeline to ensure disclosure is sent to borrowers within regulatory timeline
- Directly sending disclosures to borrowers and ensures that everything is compliant
- Requesting necessary documents that might be needed upon disclosing to branch or client
- Ensures that all fees such as loan amount, lender credit, interest rate, loan discount are disclosed based on correct computation
- Validates all escrow fees are good to disclose based on Escrow fee sheet
- Make sure that all special task or request are confirmed and approved by branch
- Manually print and upload Loan Estimate Redisclosure for borrower’s request
- Accurately tag all changes according to FAM standard flagging
Accounting Staff
Bureau Veritas SA
02.2016 - 02.2019
- Prepares cash disbursements
- Prepares journal vouchers, as necessary
- Encodes journal entries to JDE
- Prepares and issues official receipts on payments received from clients
- Verifies the accuracy of invoices and other accounting documents or records
- Compiles data and prepares a variety of reports
- Prepares monthly detailed AD 050 (Business Units: 101180/101181/101185/101190)
- Maintains & updates Subcon Fee Monitoring Log sheet
- Prepares sales report summary (Back Up)
- Update record of withholding tax deducted by third-party clients
- Encodes VAT on Sales/Purchases (Input & Output Tax) to BIR system
Education
Bachelor of Science - Accountancy
Union College
Laguna04-2015
Skills
- Advanced Excel Reporting
- Microsoft Office Suite
- Mortgage Processing Systems
- Loan Servicing Platforms
- Transactional Systems
- Compliance and Regulatory Reporting
- Invoice and Expense Management
- Client Relationship Management
Professional Attributes
- Strong analytical and problem-solving skills
- Highly organized with exceptional attention to detail
- Excellent communication and stakeholder management
- Ability to work in fast-paced, deadline-driven environments
- Committed to continuous learning and process improvement
Timeline
Junior Mortgage Processor (Loan Set-up)
NightOwl Consulting Philippines Inc.
10.2024 - Current
Senior Process Associate & Retirement Plan Operations Specialist
Tata Consultancy Services
08.2022 - 10.2024
Disclosure Specialist & Compliance Analyst
EMAPTA Versatile Services, Inc.
08.2020 - 07.2022
Process Analyst (Retail LE - Redisclosure)
Incenter Solutions
10.2019 - 08.2020
Accounting Staff
Bureau Veritas SA
02.2016 - 02.2019
Bachelor of Science - Accountancy
Union College
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