RAMONA VIDA

*** ****** ***** • San Francisco, California 94132

415-***-**** • z6rezu@r.postjobfree.com

LOAN SERVICING/BANKING SPECIALIST

Comprehensive knowledge of the banking industry and services. Sufficient knowledge of Federal and State banking regulations (including but not limited to BSA, OFAC, Reg. B, Reg. O, Reg. Z) and Bank Policies pertinent to performance of duties to avoid regulatory violations. Recognized as a creative problem solver, strategic planner, and detailed coordinator with superb interpersonal skills.Licensed through the NMLS. Accomplished loan specialist with over 15 years of experience providing streamlined services for billion-dollar corporations. Proven ability to answer internal and external questions pertaining to all areas of loan servicing including payment research, taxes, insurance, loan modifications / assumptions, prepayments, payoffs, adjustable rate loans, and credit reporting. Adept at conducting audits of files and databases..

CORE COMPETENCIES

Strategic Planning • Loan Processing • Excellent Customer Service • Audits • Loan Modifications

Financial Reporting • Training & Mentoring • Servicing Mortgage • Interest Rates • Client Relations

Invoices • Team Leadership • Policies & Procedures • Data Analysis • Lines of Credit

Account Reconciliations • Payment Research • General Ledger • Best Practices • Data Integrity

PROFESSIONAL EXPERIENCE

PARKSIDE LENDING LLC, San Francisco, California • 2010 to Present

A privately held mortgage bank serving the wholesale and retail mortgage needs of professionals and the public.

Loan Servicing Manager • 2010 to Present

Working manager processing the day to day operations in loan servicing, interim servicing, investor reporting and customer service. Duties include all aspects of loan servicing, interim servicing and investor reporting. Process servicing and investor reporting on the Harland Financial Servicing Director System.

• Duties include sending monthly payment statements to the debtor and collecting monthly payments, maintaining payment and balance records, processing loan payoffs, following up with defaulters, collecting and paying taxes and insurance, and returning funds to the note holders.

• Monitor all customer inquiries and screened incoming calls to ensure customer satisfaction.

• Coordinates the transfer of loans to sub-servicers.

• Acts as a liaison for sub-servicers.

• Delivering outstanding customer service to both internal and external customers.

• Evaluated all processes and procedures and maintained records of current processes and procedures.

EAST WEST BANK, San Francisco, California • 2003 to 2010

$18B bank serving 71 locations throughout California and internationally.

Investor Reporting / Payment Processing Manager • 2007 to 2010

Spearhead loan and investor servicing for single family, multifamily, home equity, SBA, and commercial loans. Verify filings / payments and continually facilitate the achievement of overarching corporate objectives. Identify means of moving loans to the next stage in operations while streamlining documentation, credit, and insurance files. Monitor the posting of payments and determine if cash items are applied correctly. Update systems and loan agreement checklists verify all loan documentation. Oversee reporting utilizing LPS, Metavante, and PCFS2000 software while

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ensuring accuracy of all monthly financial information. Conduct research and analyze data to correctly answer client inquiries. Continually guarantee exceptional levels of data integrity.

• Provided comprehensive training to personnel, thereby decreasing company costs.

• Pioneered new policies and procedures, thereby boosting customer service levels.

• Cultivated relationships with investors through daily communication and by answering questions regarding payments, billings, insurance, and modifications.

• Conducted internal and external audits while delivering superb levels of customer care.

• Collaborated with the Financial Department to map accounts for servicing systems.

• Acted as an internal liaison regarding loan servicing systems, resulting in corporate cost savings.

• Launched new procedures to reconcile / sustain investor custodial accounts, resulting in processes being adopted by all departments.

• Earned recognition for accurate data regarding principal, interest, fees, and percentages.

Loan Servicing Specialist • 2003 to 2007

Oversaw thorough customer service tasks including solving client inquiries and cultivating relationships that reflected positively on the bank brand. Provided streamlined services for mortgage, commercial real estate, consumer, home equity lines of credit, and SBA loans. Drove insurance processes for commercial / HELOC loans from initial concept through successful conclusion by administering to demand statements, transaction processing, and payoff documentation. Handled loan draws and conducted in-depth payment research while reviewing / modifying loans. Analyzed legal documents to ascertain repayment schedules, interest rates, and fees. Generated comprehensive reports including delinquent, trial balance, risk rating, and collateral information. Completed administrative duties including data entry, general ledger tasks, and bookkeeping.

• Received recognition by upper management for delivering reports on deadline.

• Launched new force planed insurance procedures, resulting in their adoption as best practices.

• Earned acknowledgment for quickly learning new operations and workflows.

• Catapulted to a managerial position due to outstanding work performance.

• Revitalized processes and procedures by settling months of incomplete work.

• Embraced new tasks during gaps in personnel and temporary staff absences.

CITIBANK, Hagatna, Guam • 1997 to 2003

International company acting as the 3rd largest bank holding company in the United States.

Credit Assistant

Prepared documentation for single family and auto loans and established clientele / loan profiles utilizing servicing systems. Directed all escrow accounts while instituting best practices. Maintained hazard insurance policies and organized information. Processed payoff statements and transactions. Delivered exceptional customer service while solving client queries. Assisted internal personnel to deliver prompt and accurate services.

• Collaborated with Collections personnel to call clients and accept payments on a monthly basis.

• Launched new processes and procedures that improved loan servicing, resulting in accelerated operations for external clientele and internal staff members.

• Cultivated relationships with insurance agents to acquire information regarding policies and to correctly update and maintain files.

RAMONA VIDA • Page 3 • z6rezu@r.postjobfree.com

ADDITIONAL EXPERIENCE (details on request):

Bank Teller / Customer Service Representative, CITIBANK

COMPUTER SKILLS

Microsoft (Word, Excel), Windows 2000, Windows XP, PeopleSoft, Metavante Insight, LPS, PCFS 2000, Bankserv, BlackLine, Harland Financial Servicing Director

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