ELI GEBREKRISTOS

acuy2g@r.postjobfree.com

Finance professional with over 6 years of experience in the lending industry in loan opening and post-closing. Strong organizational skills, with the ability to work independently as well as in team environment. Reputation for maintaining and demonstrating highest standards of integrity and ethical conduct.

Expertise in:

Banking Operations

Residential Mortgage

Federal Regulations

Real Estate Principle

Audit Loan Notes

Credit Guidelines

Home Equity

Document Review

Customer Service

Technical Skills: Calyx, Empower, AWD, SharePoint, MS Office.

PROFESSIONAL EXPERIENCE

KB MART, Los Angeles, CA 2012-2015

Store Asst. Manager

Responsible for consistently creates a welcoming environment for the customer by greeting and assisting and well as quickly responding to customer inquiries and needs. Demonstrates desired behaviors for staff including driving sales, handling difficult and/or complicated sales, cash management, inventory, and follow-up with customers.

Maintains a strong presence in store, while ensuring that all customers receive exceptional service

Prioritizes, plans, and adjusts leadership schedules as necessary to maximize sales

Ensures staff is trained and knowledgeable in customer service, merchandise and operations

Enforce all store policies and procedures, including health, safety, and security

Creates customer loyalty and creates relationships within local community

Ensures all pricing, signage, and displays are correct at all times

Receives regular vendor deliveries and stock sales floor in a timely manner

Responsible for monitoring inventory stock levels

ING DIRECT, Los Angeles, CA 2006-2012

Largest savings, loans and largest direct bank in the United States with approximately $90 billion in assets, nearly 8.5 million customers and over 2,000 employees, operating names of ING Bank, FSB also include ING Mortgage and Share Builder. ING Direct was recently acquired by Capital One N.A.

Home Loans Operation Associate

Responsible for creating customer and broker-related loan documents for new mortgage and home equity loans on loan origination system in paperless environment. Evaluated and disclosed all fee changes and APR changes that have occurred on loan due to changes to loan terms, audit the loan terms, accurately edit loan fees, and determine if loan requires re-disclosure. Generate appropriate re-disclosure package and mail to borrower within 3-day time frame.

Complete opening process by importing applications, calculating fees, and reviewing notes.

Processed over 10 loans a day with average loan amount over $100, 000.

Maintained over 99.8% quality accuracy.

Ensure that policies and procedures are followed including compliance regulations (HMDA, TILA, RESPA, HOEPA, FCRA, and ECOA), operational credit guidelines (ING DIRECT, fsb Residential Lending Guidelines) and all Re-Disclosure Procedures.

Update fees based on all key loan changes made to the file.

Provide broker service by phone or mail.

Constantly complete assigned loan processing 100% within required time limits.

Process incoming customer, vendor or escrow, title and lending documents as outlined in departmental process and procedures as directed by team/department leadership.

Participate in various department projects and cross-train for additional closing responsibilities.

Audit loan notes and major events to understand changes made to loan file prior to loan approval.

Orange Choice Award/Volunteer Appreciation Award.

ING DIRECT (cont.)

Post Closer

Responsible for completion of loan closing process for wholesale loans, responsibilities included generating complete and accurate closing documents in a timely manner, quality assurance review, providing status information to settlement agents, preparing and initiating funding wire requests for loan proceeds, reviewing HUD-1 for compliance and acceptance, reviewed executed loan document packages for completion and acceptance, and notified Settlement Agents of deficiencies.

Performed quality review functions for closing documents, to ensure loan package accuracy.

Provided internal and external customer service by phone, mail, fax or e-mail.

Calculated and prepared funding wire requests for loan proceeds.

Sales & Service Associate

Responsible for acquiring new liability customers, servicing existing liability customers on their saving, checking and CD accounts and cross-selling to existing customer’s additional liability products. Self–motivated and willing to work overtime when needed, efficiently and effectively adhered to all scheduled work activities with client focused mentality and ability to influence people.

Exceeded sales targets set by department every month.

Opened on average 3 to 4 liability products a day totaling over $100,000.

Consistently meet or exceeded month performance goal.

FIRST WILSHIRE MORTGAGE BANK, Los Angeles, CA

Loan Consultant (Internship)

EDUCATION

Bachelor of Science in Finance

California State University, Long Beach, CA

Associate of Science in Business Administration

Associate of Science in Art

El Camino Community College, Torrance, CA

Bank Training Certificate

Bank Work$ JVS, Los Angeles, CA

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