Telephone: 407-***-****

E-mail:aczxso@r.postjobfree.com

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

Lake Mary, FL 32746

Lake Mary, FL 32746

Margarita Torres

Professional Profile

Over 25 years of banking experience underpinned with a Law Degree and a Masters in Teaching, provided leadership and training to team members, in order to provide excellence to clients. Great oral delivery skills supported by organized writing delivery.

Experience

Skills

Education

Licenses

Digital Risk, Maitland/Lake Mary, FL 2012-2017

Mortgage Audit Underwriter - Review loans for compliance, underwrite loans to various lender guidelines, review income, credit, assets, title, appraisal, flood, and draft legal claims for guideline non-compliance.

Home Equity Loan Underwriter – Underwrite applications for home equity loans to ensure conformity with guidelines when reviewing income, credit, assets, title, valuation, flood, and render decision. Ongoing customer service with applicants throughout the lending process.

Recovco, Maitland, FL October- November 2014

Mortgage Audit Underwriter - Review loans for compliance, re-underwrite loans to various lender guidelines and federal regulations; review income, credit, assets, appraisal, flood, and draft legal claims for guideline non-compliance.

Sears, Lake Mary, FL 2011-2012

Home Improvement Sales Associate and Interim Supervisor - Sale of home improvement services, and customer service, supervised several customer service teams, provided feedback to enhance the quality of the customer experience and team member performance.

BMOHarris, N.A., Chicago, IL 1998-2008

Real Estate Tax Manager -Managed property taxes for national portfolio. Ongoing communication with beneficiaries and municipalities. Managed clerical and bookkeeping staff for tax payments.

Oil & Gas Administrator- Managed oil and gas interests with partners for national trust portfolio. Assisted in preparation of oil and gas vendor agreements, Reviewed and implemented trust agreements. Negotiated sales of oil and gas interests.

Senior Special Assets Analyst - Managed trust partnerships, valued, negotiated and executed sales of partnership interests.

Mortgage Underwriter - Underwrote residential mortgages up to $1 million. Qualified on income, credit, assets, appraisal, and flood. Managed processors and closers.

Glenview State Bank, Glenview, IL 1993–1998

Mortgage & Home Equity Underwriter - Underwrote residential mortgages. Qualified borrowers on income, credit, assets, appraisal, and flood, reviewed closing packages, and performed Final Review of loan documents after closings. Managed processors and closers. Ongoing communications with borrowers and title companies.

Law Offices of Josette Belvedere, Chicago, IL 1992-1993

Attorney - Concentration in personal injury. Represented clients, negotiated settlements, drafted legal documents, court appearances, motions, and trials. Managed clerical staff.

Law Offices of Blair & Cole, Chicago, IL 1992

Attorney - General Practice: Real estate, family law, estate law, personal injury, and criminal matters. Represented clients, negotiated settlements, drafted legal documents, court appearances, motions, and trials. Managed clerical staff.

Client support and communication, Mortgage Auditing, Mortgage Underwriting, analyzing Borrower income, credit, assets, title, appraisal, and HUD 1, guideline application, AUS loan submission, applying & clearing loan conditions, Equal Housing/Lending and CRA Regulations application, Legal Research /Writing, Negotiation, managing clerical staff, processors/closers, legal document drafting, interpretation and implementation of legal documents.

Northeastern Illinois University, Chicago, IL, Master of Arts Teaching

The John Marshall Law School, Chicago, IL Juris Doctor

University of Illinois at Chicago, IL, Bachelor of Arts

NMLS National License #1433993

Insurance Customer Representative License W236264

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