BERNADETTE
U.S. MORTGAGE VIRTUAL ASSISTANT
Bernadette is a highly skilled Compliance Virtual Assistant with extensive experience in U.S. mortgage compliance, loan documentation review, and financial regulations across both U.S. and Philippine banking environments. Her background in Information Technology further strengthens her ability to work efficiently with loan origination systems and digital documentation workflows.
TOOLS
EQUIPMENT
VIDEO
8 yrs of Mortgage Experience, U.S. MORTGAGE COMPLIANCE, LOAN DOCUMENTATION REVIEW, FINANCIAL REGULATIONS
Bernadette is an excellent Virtual Assistant for mortgage lenders, who can confidently manage regulatory reviews, loan documentation, and quality assurance with consistency and accuracy.
EMPLOYMENT SUMMARY
Bernadette has 8 years of mortgage and lending experience gained through her roles at ICMS–LLC Philippine Branch Office, EMAPTA Versatile Services, and ACOM Consumer Finance Corporation. She specializes in reviewing loan applications, validating disclosures and supporting documents, and ensuring compliance with U.S. lending laws and regulatory requirements. Her experience includes pre-underwriting and compliance reviews, fee and disclosure validation, loan package setup in loan origination systems, and quality checks of approved and denied loans. She has worked closely with loan officers, managers, and internal teams to provide guidance on regulatory standards and process accuracy. Bernadette's strengths include strong compliance knowledge, attention to detail, analytical skills, clear communication, and consistent adherence to quality and regulatory standards.
EMPLOYMENT HISTORY
EMAPTA VERSATILE SERVICES
Compliance Analyst (US Mortgage)
Nov 2020 – Apr 2024
• Reviews forms, disclosures, and other documents to validate information and ensure compliance with applicable laws and regulations.
• Communicates with loan officers/area managers/team members to provide direction and guidance on applicable regulations.
ACOM CONSUMER FINANCE CORPORATION
Credit Processing Staff
Jan 1, 2019 – Nov 2020
• Processing loan transactions (Releasing, Renewals and Extensions)
• Responding to customer queries through phone calls, social media platforms and emails.
• Quality Checking of approved/Denied loans for internal monthly production.
ICMS – LLC PHILIPPINE BRANCH OFFICE
Process Analyst (US Mortgage)
Aug 6, 2016 – July 20, 2018
• Responsible for reviewing disclosures and fees by checking minimum requirements based on Pre-Underwriting and Compliance checklist.
• Reviewing fees related disclosures for initial loan estimates.
• Performs set up of loan package by categorizing it to proper place holder in Loan Origination System.
ASSESSMENT RESULTS
DISC PERSONALITY RESULT
Conscientiousness (C) – Detail-oriented and organized, C-type VAs ensure accuracy, maintain structured systems, and deliver high-quality work. Steadiness (S) – Dependable and patient, S-type VAs provide consistent support, build strong client relationships, and ensure smooth workflows.
EF ENGLISH TEST RESULT
Shows confident and clear communication with good fluency and understandable pronunciation. Uses a strong range of vocabulary and grammar to express ideas effectively and handle complex topics with consistency.
COMMON EUROPEAN FRAMEWORK OF REFERENCE FOR LANGUAGES (CEFR)
Can understand and use familiar everyday phrases and answer basic questions about personal details.
Can have very short social exchanges and give information on familiar and routine matters.
Can briefly describe past events and future plans, give reasons for opinions and use the language when traveling.
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.