Patricia Nicole

ENGLISH SPEAKING VA | MORTGAGE OPERATIONS

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4yrs of Mortgage Processing Experience, Mortgage Processor, Escrow & Title Review, Encompass & AUS Experience

Pat offers a detail-driven, compliance-focused approach to mortgage processing, ensuring accuracy, timely communication, and a consistent borrower experience. Her ability to manage full loan files while coordinating with all third parties makes her a strong asset for any mortgage operations team.

EMPLOYMENT SUMMARY

Patricia is an experienced professional with four years of mortgage processing experience gained at JP Morgan Chase & Co. – Tower Manila, where she worked in Escrow Analysis, Title Review, and Mortgage Customer Service. She maintained accurate escrow records, analyzed mortgage documents, and assisted customers with home loans and account maintenance. Her background also includes financial advisory work at Pru Life UK and customer support roles in major BPO companies. Pat is recognized for her attention to detail, strong analytical skills, and accuracy in documentation. She also brings strengths in problem-solving, technical support, and effective communication, making her a well-rounded professional.

EMPLOYMENT HISTORY

ASSESSMENT RESULTS

DISC PERSONALITY RESULT

EF English Test

75/B1

COMMON EUROPEAN FRAMEWORK OF REFERENCE FOR LANGUAGES (CEFR)

BEGINNER

INTERMEDIATE

ADVANCED

EDUCATION

Pat is a mortgage operations specialist with four years of hands-on experience supporting lenders in loan processing, title review, and escrow analysis. She manages full loan documentation workflows, verifies borrower income and employment, reviews property and title records, and ensures all requirements meet lender guidelines and compliance standards. Pat is experienced in coordinating with borrowers, loan officers, title companies, law offices, and closing agents to maintain smooth loan progress and resolve documentation discrepancies.

Steadiness (S) – Dependable and patient, S-type VAs provide consistent support, build strong client relationships, and ensure smooth workflows. Conscientiousness (C) – Detail-oriented and organized, C-type VAs ensure accuracy, maintain structured systems, and deliver high-quality work.

Demonstrates clear communication with understandable pronunciation and a steady speaking flow. Uses practical vocabulary and basic grammar confidently, expressing ideas with improving accuracy and ease.

Mortgage ProcessingEscrow AnalysisTitle ReviewCompliance ReviewIncome VerificationEmployment VerificationDocument ReviewThird-Party CoordinationAUS SupportMortgage DocumentationBorrower CommunicationFile Preparation

✓Encompass

✓Salesforce

✓Mortgage Express

✓MS Office

✓SharePoint

✓G-Workspace

Two-Monitor Setup

Noise-Cancelling Headset

JP MORGAN CHASE & CO. – TOWER MANILA

Operations Senior Specialist II – Escrow Analysis

Jun 2023 – Aug 2025

• Maintained and updated escrow records with accuracy.
• Conducted escrow account analysis, handling shortages and surpluses.

JP MORGAN CHASE & CO. – TOWER MANILA

Account Specialist II – Customer Service

Jul 2022 – Jun 2023

• Assisted customers with mortgage, home equity loans, and lines of credit.
• Processed account maintenance, payments, and loan modifications.

JP MORGAN CHASE & CO. – TOWER MANILA

Operations Senior Specialist I – Title Analyst

May 2021 – Jun 2022

• Analyzed supporting documents for mortgage loan applications in line with bank policies.
• Verified property values and financial records to ensure compliance.
• Prepared accurate documents for loan processing and closing.

PRU LIFE UK

Financial Advisor

Jul 2020 – May 2021

• Developed financial plans for clients, including wealth-building and risk management.
• Provided retirement and educational investment solutions.

SITEL PHILIPPINES CORPORATION (BPO)

Customer Service Specialist

Jun 2020 – May 2021

• Resolved customer inquiries regarding products and services.
• Processed billing disputes and account concerns.

SUTHERLAND GLOBAL SERVICES (BPO)

Associate I.T. Helpdesk

Sep 2017 – Feb 2020

• Provided technical support for Microsoft Windows and Office applications.
• Delivered accurate troubleshooting steps and ensured customer satisfaction.

Can understand and use familiar everyday expressions and basic questions about personal details.

Can have very short social exchanges and give information on familiar and routine matters when traveling.

Can briefly describe past events and future plans, give reasons for opinions and explain advantages and disadvantages.

Can communicate confidently in a variety of academic and professional environments.

Can use the language flexibly and effectively for social, academic and professional purposes.

Can interact with ease and can differentiate their shades of meaning.