To obtain a leadership position where her training abilities, motivational skills and work ethics will help to better a team.

SKILLS & QUALIFICATIONS:

•Over 15 years of experience in mortgage banking and financing.

•Good understanding of principles, practices and regulations applicable to financial lending.

•Immaculate customer services skills by respectfully delivering positive customer experiences.

•Proven ability to lead and influence a team to effectively meet company and departmental goals.

•Extensive experience in servicing customers, by being proactive and taking initiative.

•Strong interpersonal skills and can relate well and respectfully to customers and colleagues.

•Self-driven, self-reliant-set aims/targets and lead by example.

•Well organized and efficient working in a multi-tasking dynamic environment.

•Seek and find solutions to challenges-exceptionally positive attitude.

•Proficient in working with multiple computer systems. Strong computer skills, but not limited to web

navigation including Microsoft Office, Outlook, Excel, Integra Destiny Loan origination System, Citrix, and Loss Mitigations internal systems.

•Fluent in Spanish and English languages.

RELATED EXPERIENCE:

Universal American Mortgage Company, LLC/Lennar Corporation Subsidiary July 16, 2012 – August 2015

IT Level II Support/ Applications Support

Provided technical support for the loan origination system used by loan officers, underwriters, closers, funders and anyone involved with Destiny. The loan origination system used is Destiny an Integra based program.

We also worked with Citrix based programs such as Track it, and Destiny test environments.

My duties also included Quality Analyst to test Destiny based documents, fees, and either passed or failed them and assigned the work order back to the programmer. I also tested current fees for all of our Branches prior to them going out to the production environment to ensure that the fees were accurately updated in Destiny Pre-release.

I was also responsible for testing, recreating and escalating any reported glitches in Destiny Production Software system.

Bank America, Fort Lauderdale, FL June 2011 – July 13, 2012

Customer Relationship Manager II

•Manage delinquent loans by working with loan modification and disposition specialist to determine

solutions that will cure the account in a timely manner.

•Present and educate customers on Modifications, Repayment plans, Special Forbearance, Short Sale, Deed

in Lieu, or Foreclosure.

•Answer to customers, investors, or other third party regarding any loan processing inquires.

•Prepare or obtain documentation, analyzing requests in accordance with guidelines and determine most

suitable course of action.

Contractor/Bank of America, Fort Lauderdale, FL August 2010 – September 2011

Home Services Specialist II perm hire date: April 25th, 2011

•Responsible for the review of documents including but not limited to income documents, tax returns,

hardship letters, utility bills for occupancy, and bank statements.

•Served as the central point between communication with the customer and 3rd party vendors in relations to

Home Loan Modifications.

•Acted as a Subject Matter Expert-assisting team lead by handling escalations, team huddles and team

communication.

•Maintained a high level of communication with the customer, by delivering consistent respectable customer

experience, and resolving problems quickly and accurately.

Miscellaneous employment not related to mortgage business available upon request.

Tri-Country Express Mortgage, Pembroke Pines, FL June 2004 – July 2006

Senior Mortgage Loan Processor – Independent Contractor

•Responsible for verifying conditions of approval (i.e., customer income, assets, documentations, and

routine title issues).

•Handled all files from commencement to closing by reviewing exception reports to ensure all conditions

are completed and loan is on target to meet closing expectations.

•Imputed files into the Calyx Mortgage System and adhered experience with working with Encompass

platform.

•Placed all necessary orders such as titles, insurances, payoffs, appraisals, and proactively communicated

loan status to the borrower and the loan originator.

Town Center Loading Group, Westin, FL September 2002 – May 2004

Office Manger & Senior Loan Processor

•Extensively dealt with brokers, bankers, financial institutions, developers, creditors, realty firms, insurance

companies, appraisal companies, title companies and home design firms.

•Managing and organizing office, by demonstrating a strong working knowledge of processing and

underwriting procedures as well as federal lending regulations.

•Liaison between Town Center Lending Group and affiliates.

•Associated in documenting compliance reviews and loan risk factors.

•Assisted in closings by verifying accuracy of closing documents and coordinating with all related parties.

My First Home Mortgage Inc., Aventura, FL March 2000 – August 2002

Senior Loan Processor/Underwriter

•Closed 10 to 15 loans on a monthly basis and maintained a pipeline of 40-50 plus loans.

•Trained in processing Conventional, FHA, Sub Prime, BC, and HELOC loans.

•Gained advanced experience working with automated underwriting systems(DU/LP)

•Responsible for monitoring closing schedules, completing closing requirements and reviewing settlement

statements.

•Distributed closing documents and lenders funds to title companies.

Superior Bank FSB – Wholesale Lenders, Dania Beach, FL January 2000 – September 2002

Account Manger & Underwriter

•Analyzed and reported on condition set by AUS (Approved Underwriting Stipulations) on loans.

•Reviewed and reported income, assets, and liabilities.

•Evaluated preliminary titles reports, purchase contracts and escrow instructions.

•Reviewed title commitment for clearance.

•Secured lender approval of loan closing documents

EDUCATION & RELATED CERTIFICATIONS:

Certification in Mortgage Broker Gold Coast School of RE, Broward FL 07/01/02

Certification in RE Sales Gold Coast School of RE, Broward FL 11/01/01

Certification in Processing Gold Coast School of RE, Broward FL 02/01/00

Credits in Banking & Finance Miami-Dade College, Miami FL 12/01/99

ACCOMPLISHMENTS:

Bank of America

•Audit of 12 HSSII’s files prior to submission to Underwriting from Jan – Feb 2011. Provided feedback,

coaching and training when applicable

•Trained six people on the HSSII policy and procedures, and all systems from 2010-2011

•Assisted the postponement team by requesting postponements in LPS from Feb-May 2011

•Designed HAMP PowerPoint deck for a project on 9/19/2011

•Designed Short Sale PowerPoint deck on 9/9/2011

•Designed Validate Flood Cert Manual Workaround for the CRM PowerPoint deck on 9/29/2011

•Designed Aspect Uniphi PowerPoint deck on 10/5/2011 for associates

•Assisted Manager Paul Echols on design of SRP-CRM Voicemail Executive Daily PowerPoint Deck on

10/5/11

•Assisted the process support associates with their backlog of creating the LMA checklist on 10/6/11

•Volunteer work done for Habitat for Humanity on September 2011

•Volunteer work done for The Boys and Girls Club August 2011

Contact this candidate