Professional Experience Real Estate

LUIS A. ORDONEZ

** ****** ****** ***# * Bloomfield, NJ

Cell 551-***-****

Email: **********@*****.***

OBJECTIVE To obtain a position in which I can assist financial institutions and organizations utilizing 15 years mortgage lending, AML and KYC, consulting and banking compliance experience

PROFESSIONAL EXPERIENCE

2016-Present Mortgage Loan Consultant, Popular Community Bank New York, New York

Build relationships with and support bank personnel in generating mortgage loans by promoting mortgage products and consulting personnel on the mortgage products and process

Adhere to general bank regulatory procedures including BSA/AML as it pertains to “know your customer”

Support department business goals through effectively managing personal pipeline to drive volume

Analyze detailed financial credit data and classify on the level of risk

Monitor large account deposits and usage to follow in line with Anti Money Laundering guidelines

Make initial underwriting assesments based on risk and utilizing DU Findings

Effectively collaborate with realtors, title agencies, processors and underwriters for cross references in a timely manner from start to closing

2015-2016 Home Mortgage Consultant, Wells Fargo Home Mortgage, Cranford, New Jersey

Develop knowledge of company products and procedures, and underwriting requirements

Understand real estate appraisals, title reports, and real estate transactions

Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures

Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk

Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in

Develop and maintain a high degree of visibility for WFHM in the marketplace

2010-2014 Senior Banking Consultant/Officer, JP Morgan Chase Bank, Plainfield, New Jersey

Review and analyze compliance monitoring reports and other related source documents for suspicious/unusual patterns of activity

Research, create and manage Know Your Customer (KYC) profiles. Conduct transaction monitoring on high risk customers and assist in conducting investigations into reporting of suspicious or unusual acitivity in deposits (SAR)

Drafted due diligence and Suspicious Activity Reports when necessary

Manage daily bank operations including opening and closing of banking center and implementing and maintaining policies and procedures

Assess and refer customers to appropriate services based on individual needs identified through cross-sell profiling

Prospecting to acquire new business opportunities

Proficient in the sales and service of personal deposits, personal loans,

investment and mortgage referrals

2004 - 2010 Senior Loan Specialist, Jacob Dean Mortgage Co, Secaucus, New Jersey

Manage book of clients while working with different banks to service all of their lending needs.

Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals. Maintained compliance with lending, underwriting and government requirements.

Checked files for completeness of residential loan application, proper compliance disclosures, and underwriting guidelines.

Proactively contact, monitor and advise client base of different financing solutions.

Review corporate and individual tax returns, review property rent rolls and operating statements, analyze credit reports and payment history.

Responsible for analyzing customer ‘s Financial evaluating and ensuring overall documents are accurate, complete and compliant; reviewing of financial statements, credit reports, applicable ratios and other supporting documentation acceptability and customer contact.

Solidify contacts with realtors, accountants, attorneys, and other referral sources to deepen the client’s relationship and further develop the business.

Prepare individual credit analysis reports to ensure preliminary client approvals and facilitate the loan process.

Ensure timely closing of loans by maintaining constant communication with the different parties involved throughout the entire process while being the one point of contact for the client.

EDUCATION Kean University, Union, New Jersey, June 2002

Bachelor of Arts in Graphic Communications

Minor in Business Management

INTERNSHIPS MTV NETWORKS/VH1

08/01-02/02 Assisted in sensitive promotional material for new and upcoming events

CERTIFICATION

Certified in Life Insurance

Department of Banking and Insurance

SKILLS

Fluent in Spanish –Spoken/Written

Computer proficient – Microsoft Word, Excel, Powerpoint, Outlook, Calyx 4.0, Encompass, Banking Software, FSD (Chase)

Strong written and oral communication skills

Interact well with a diversity of people

Avid Tennis Player

REFERENCES

Professional and Personal references furnished upon request

Contact this candidate