Margarita Torres

She is a dedicated educator, instructional designer, and former mortgage underwriter with over a decade of diverse professional experience. As a self-employed Educator and Tutor since 2021, she conducts needs analyses, administers assessments, and designs learning experiences using ADDIE and Gagné's Nine Events frameworks to create engaging, data-informed instruction. She also holds an Instructional Designer Certificate, which she earned in 2020. Her earlier career includes over four years as a Mortgage Underwriter at Digital Risk, where she reviewed closed loans for compliance with Fannie Mae, Freddie Mac, and lender guidelines, and roles as a Commercial Mortgage Underwriter at MMC Capital Markets and Mortgage Underwriter at Recovco Mortgage Management. She holds a Master of Education from Northeastern Illinois University and a Level 5 Certificate in Teaching English as a Foreign Language from The TEFL Academy. Her career reflects a strong commitment to education, analytical rigor, and designing meaningful learning experiences.