*** ***** ******

Edison, NJ *****

Marilyn C. Valdes

732-***-****

PROFESSIONAL EXPERIENCE

Synchrony Bank Bridgewater, NJ

Senior Representative Retail Operations

Review account processing activities in conjunction with items posted via vendor services (newly funded CD rates, customer account maintenance & documentation changes, new account documentation, deposit exceptions, form transmittals and scanning etc.

Process paper applications to open new account and perform various updates to customer data.

Handle inbound wire transfers processing and customer callback, teller posting to customer accounts, preparing and mailing customer printed notification, and keying data into online payment system.

Process account verification requests from mortgage companies on customer accounts.

Process return transactions; interface with Fraud team for identifications based on bank policies.

September2013-Present

Amboy Bank Old Bridge,NJ

April 2009- 2013

Loan Originator

Directed meetings with prospective borrowers in order to analyze financial and credit situation, determine customer financing objectives and advise appropriate product/pricing based on client needs

Processed a diverse set of financings: Traditional, Home Equity, Reverse, et al.

Ensured exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements and demonstrating a commitment to professionalism

Acted as a subject matter expert and key resource for other Bank associates and partners

Registar & Transfer Co.

Cranford, NJ

Account Specialist

March 2007 – June 2008

Served as point of contact for over 100 corporations in order to organize shareholder annual meetings, votes and distribution of investor publications

Organized corporate client correspondence, telephone inquires and production of annual meeting materials

Managed investor publication logistics including quarterly and annual reports as well as shareholder voting

Washington Mutual, Inc.

Clark, NJ

Post Closing Loan Coordinator/ HMDA Specialist

2003 – 2006

Reviewed nearly 50 mortgage loans weekly to ensure proper completion of appropriate funded loan documents

Evaluated funded and non-funded mortgage loans for missing or invalid HMDA data

Created weekly HMDA edit report for Compliance Division

Merrill Lynch & Co.

Edison, NJ

Sales Assistant

1999 – 2002

Provided sales support to three brokers managing over $12 million of client assets

Managed client services including account initiation, fund distribution and wire transfers

Processed new IRA, 529, 401k and retail accounts applications and transfers

Paine Webber & Co.

Florham Park, NJ

Sales Assistant

1997 – 1999

Supported Branch Manager and Senior Investment Broker

Handled senior management internal office correspondence

Processed new IRA, 529, 401k and retail account applications and transfers

PNC Financial Services Group, Inc. (formerly Midlandtic Bank)

East Brunswick, NJ

Loan Review Officer

1994 – 1997

Identified and recorded municipal tax and administrative mortgage post-closing fees

Documented Community Reinvestment Act (CRA) housing practices

Processed loan fees and escrow funds collected at closing

East Coast Mortgage Co.

Clark, NJ

Loan Review Officer

1991 – 1994

QUALIFICATIONS

Licenses: Nationwide Mortgage Licensing System & Registry (NMLS) and New Jersey Real Estate

Member of New Jersey Realtors Association

Proficient in Microsoft Office, Word, Excel, PowerPoint, Lotus Notes

EDUCATION

Middlesex County College – Edison, NJ

1997

Advanced Computer Training

Schlott School of Real Estate – Woodbridge, NJ

1992

7-month intensive real estate certification training

New Jersey City University – Jersey City, NJ

1983

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