Irene Viera

Mobile: 786-***-**** Email: ac2oej@r.postjobfree.com

SUMMARY

Mortgage professional with 15 years of experience in all aspects of commercial and residential real estate and lending operations. Experience working in fast paced environments demanding strong organizational, technical and interpersonal skills. Able to establish positive relationships with colleagues and leaders in an effort to continuously take initiative and move the organization forward. Successful pipeline manager and collaborative team player with proven leadership skills, including managing and mentoring other team members to achieve company objectives. Effective communicator with proficient problem solving and analytical skills. Bilingual – fluent in both written and conversational Spanish. EXPERIENCE

Jun. 2016 – Oct. 2017 Raisal Holdings, LLC Coral Gables, FL Commercial Loan Support Specialist

Prepare financial underwriting and analysis of commercial real estate assets of all loan product types

Provide financial support to the Senior Commercial Loan Advisors

Continuously gather and analyze sale, lease and operating expense data, research market trends and prepare analysis for submarket reports, and financing memoranda

Communicate effectively with borrowers, brokers, loan officers, and underwriting team to ensure timely processing of loans

Manage a pipeline of 15 to 30 commercial loans and leads for commercial financing

Gather and verify necessary information and documentation from borrowers

Analyze income, review documents to ensure validity, substantiate income and / or cash levels, and mitigate potential for unnecessary loss

Obtain and clear approval stipulations

Follow up with borrowers, lenders and third parties to ensure timely closing of loans Oct. 2014 – Jun. 2016 Contract Assignments for Various Commercial Real Estate Brokers Miami, FL Transaction Manager

Manage and oversee 45+ listings nationwide in the US

Responsible for all aspects of the commercial real estate transaction process

Prepare representation agreements for agents and addendums

Research properties in public records and in LexisNexis

Review letters of intent for all offers on listings

Prepare purchase and sale agreements and addendums

Responsible for accuracy and timely execution of all contracts and disclosures in order to ensure compliance with state policies

Prepare timelines for all transactions in order to move forward with processing in accordance to the terms of the purchase and sale agreement

Coordinate financing through various lenders and banks

Order third party service reports including Environmental Studies, Property Inspection Reports, Alta Surveys, etc.

Manage and compile all documents and requests from buyers and sellers during the due diligence period

Work with title companies and attorneys to ensure transaction pipeline moves on schedule and deadlines are met

Process timely submissions of all listings under contract, change requests and closings through Mnet

Maintain and complete all transaction files organized and in accordance with state requirements Jul. 2013 – Aug. 2014 Executive National Bank Miami, FL Residential Loan Processor/Closer

Process Conventional, Portfolio, Jumbo, HELOC and Foreign National Loans

Responsible for taking application from borrowers, pulling credit, providing disclosures, budgeting and qualification process

Handle all aspects of requesting and reviewing title, insurance, flood certification and appraisal through appraisal management companies

Use BytePro to process all loans and interface with Fannie Mae Desktop Originator and Freddie Mac Loan Prospect automated underwriting service

Prepare closing packages for all Conventional, Portfolio, Jumbo, HELOC and Foreign National Loans using DocMagic Software

Review and Approve final HUD 1 Settlement Statement

Prepare all required document for funding of all loans

Coordinate and perform closings when the title company or closing agent is not able to accommodate the borrowers

Prepare and review post closing packages for investor purchases and for booking portfolio loans

Responsible for managing payment for third party companies which provide services for residential transactions

Manage record keeping of the portfolio credit files for Residential Loan Department

Assist in compiling documentation for all bank audits by retrieving the credit and collateral files

Prepare and review monthly reports of residential real estate property taxes for all serviced loans

Maintain and prepare HUMDA reports

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Maintain relationships with Lenders, and Bank representatives as well as contacts in the field

Established electronic record keeping process as a “best practice” that was adopted by entire organization to avoid replication of missing documents and privacy information

Nov. 2010 – Jul. 2013 LNR, Partners, LLC Miami Beach, FL Special Servicing Administrator

Provide administrative support to the Director of Special Servicing Department

Perform the initial loan set up procedure on all Special Serviced Loans transferred from the Master Servicers

Prepare the delivery of Asset Status Reports for CMBS Special Serviced Loans and send them to the respective parties mentioned in the Pooling Servicing Agreement

Prepare the delivery of Operating Statement Analysis Reports for CMBS Special Serviced Loans send them to the respective parties mentioned in the Pooling Servicing Agreement

Send out monthly financial statements and rent rolls to Master Servicer and Trustee to keep them informed of the current financial statuses on the commercial properties in portfolio

Send out monthly appraisal reports to Master Servicer including the parties named in the Pooling Servicing Agreement

Responsible for sending all original loan documents for CMBS Special Serviced Loans to the Trustee who holds the original trust file

Jun. 2010 – Nov. 2010 Urbaniza Investments Coral Gables, FL Realty Sales Assistant/Marketing Associate

Assist broker by generating leads via web media, via phone and e mail blasts

Create marketing materials for company website, banks and lenders

Prepare, schedule and conduct property showings for Brokers

Manage and maintain client database with current information

Research and analyze property information for potential buyers via MLX and public records

Analyze buyers financial and credit worthiness’ to obtain financing

Post property listings on company website, and other real estate marketing websites as instructed

Prepare Short Sale Package for seller and submit to bank/lender

Answer all incoming sales calls and assign leads to the designated Broker

Attend social community events to promote company and network Aug. 2008 – Aug. 2009 John Herrera, P.A. Coral Gables, FL Loan Modification Analyst/Office Manager

Managed and maintained an updated pipeline of a minimum 125+ foreclosure cases for counsel review

Interviewed potential clients for foreclosure defense, loan modification and short sale cases

Drafted legal foreclosure responses to all lis pendens filed against clients

Prepared loan modification and short sale packages

Negotiated loan modification terms with lenders’ loss mitigation departments as well as plaintiff's counsel

Analyzed and reviewed clients mortgage loan closing package, for possible RESPA violations

Researched and analyzed documents for federal cases and drafted pleadings

Scheduled hearings, mediations and managed court and calendar appointments for 3 attorneys

Prepared all real estate closing documents and performed all closings

Managed a staff of 3 employees and processed weekly payroll for all staff

Updated and processed monthly billing statements for clients

Efficiently and effectively conducted all administrative duties including multiple phone line systems

Managed accounts payable, accounts receivable and GL for the firm

Balanced and reconciled trust, operating, and escrow accounts Oct. 2004 – May 2008 Bayview Financial and Subsidiary Divisions Coral Gables, FL Transaction Analyst III/Credit Analyst Commercial Direct Silver Hill Financial divisions of Bayview Financial

Processed Commercial Full Documentation and Stated Income & Stated Assets Loans within 45 days or less

Analyzed and reviewed underwriting documents, risk model, loan application, and credit report for accuracy

Researched subject property information such as legal description, parcel numbers, tax bills, zoning and any other public records available at the initial stages of the loan process, to ensure accuracy and assist with the title order

Handled all aspects of requesting and reviewing, insurance, environmental due diligence, ordering flood certification and third party fraud verification a.k.a. DISSCO

Managed a pipeline of a minimum of 20 loans or more on a daily basis

Maintained a daily and accurate pipeline report for all active and suspended loans being processed in order to provide sales and other operational departments with the most current status of the loan

Established rapport, maintain constant communication and provide exceptional customer service to the borrowers throughout the loan process

Responsible for troubleshooting with all operational departments and sales staff to resolve loan issues and arrive at a positive outcome for both the borrower and Commercial Direct Page 3 of 3

Irene Viera – Resume - Continued

Coordinated closings with closer, title agent, attorney, or escrow agent, assist Team Manager with various administrative duties such as assigning new loans to team members and compiling reports

Provided training, assistance and solution oriented suggestions to team members with the loan requirements process, real estate value issues, environmental challenges, and title concerns to ensure that loans fund within 30 45 days

Attended various leadership development and training sessions to improve knowledge on becoming an effective leader Sales Associate/Credit Analyst Commercial Direct a division of Bayview Financial

Compiled leads for Account Executive, reviewed and checked for duplications in the ACT database

Sent broadcast email to potential leads and pre screened borrowers, by obtaining / analyzing the credit report and cross referencing with application for accuracy

Pre qualified borrower, by running loan information through the underwriting model and entering information into MorVision LOS (Loan Origination System)

Maintained and managed an accurate pipeline by taking notes in the weekly loan status meetings, communicated with Transaction Analyst on all active loans and kept Account Executive abreast of his/her pipeline

Provided borrowers with excellent customer service and periodic updates on their loan alongside with the Transaction Analyst to ensure a smooth transaction

Consistently managed and updated the follow up calendar in the ACT database by conducting follow up phone calls and inciting a sales approach taking aim to turn leads into potential borrowers

Provided borrowers with the Conditional Pre Approval Package including all marketing collateral

Informed and assisted borrowers in compiling the initial loan documents needed to engage their appraisal on the front end prior to the CPL (Conditional Pre Approval Letter) being accepted

Produced bid requests on new loans and supported the Transaction Analyst as needed throughout the loan process by following up with the borrowers and collecting necessary documents required to underwrite the loan Transaction Coordinator /Credit Analyst Commercial Direct Express a division of Bayview Financial

Processed Commercial Stated Income & Stated Assets Loans

Analyzed and reviewed the CD Sheet, application, and credit report for accuracy as a form of pre underwriting for the Underwriter

Researched subject property information such as legal description, parcel numbers, tax bills, zoning and any other public records available at the initial stages of the loan process

Handled all aspects of requesting and reviewing title, insurance, environmental due diligence, ordering flood certification and third party fraud verification a.k.a. DISSCO

Managed the pipeline reports for all loans in process and suspended status

Maintained constant communication with borrowers through loan process and provided exceptional customer service

Responsible for troubleshooting with all operational departments and sales staff to resolve loan issues and arrive at a positive outcome for both the borrower and Bayview Financial

Coordinated closing with title agent, attorney, or escrow agent and served as back up in the Closer’s absence Jun. 2001 – Oct. 2004 Worldwide Relations Mortgage Corp Coral Gables, FL Mortgage Processor /Loan Officer

Processed Conventional, Sub Prime, FHA, Private, Jumbo Loans and Commercial Loans

Responsible for taking application from borrowers, pulling credit, providing disclosures, budgeting and qualifying the borrowers

Handled all aspects of requesting and reviewing title, survey, insurance, and appraisal

Used Calyx Point to process all loans and interface with Fannie Mae Desktop Originator and Freddie Mac Loan Prospect automated underwriting service

Maintained relationships with Lenders, and Bank representatives as well as contacts in the field

Coordinated, handled, and performed closings when the title company was not able to accommodate the borrowers

Efficiently and effectively conducted all administrative duties including multiple phone line system, accounts payable, accounts receivable and GL for the company

EDUCATION & PROFESSIONAL DEVELOPMENT

South Miami Senior High 1999

Miami Dade Community College – Mortgage Broker Program 2002

National Association of Mortgage Processors – Certified Loan Processor 2005

University of Miami – Leadership & Management Development Program 2005 – 2006

80+ hours of various Silver Hill Financial University Training Courses 2006 – 2007

Gold Coast Real Estate School – Mortgage Broker Licensing Course 2009

Gold Coast Real Estate School – Mortgage Loan Originator Course NMLS 2016 SKILLS

Microsoft Office, Word, Excel, Power Point, Quick Books Pro, Peachtree Accounts Payables/Receivables/Collections, ACT, FHA Connection, Fannie Mae Desktop Originator, Freddie Mac Loan Prospector, Calyx Point Loan Origination Software and E Magic Pre Underwriting Software, BytePro Loan Origination Software, DocMagic Loan Documentation Software, Notary (bonded & insured).

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