Arlene R Ruidera

***** ********** *** ad1geb@r.postjobfree.com

Huntington Beach, Ca 92648 714-***-****

Qualifications Profile

Thorough understanding of mortgage loan processing, underwriting and closing functions. Keep abreast of all policies and procedures. Strong time management and organizational skills. Self-motivated with excellent work ethics and ability to work under pressure in a high-volume environment. Highly organized and dedicated, with a positive attitude. Ability to prioritize and complete multiple tasks. Flexibility to work extended hours during heavy workload periods. Strong written and verbal communication skills with outstanding customer service background.

Professional Experience

loanDepot LLC 949-***-**** 26642 Towne Centre Dr, Foothill Ranch, Ca 92610

Regional Processing Director 09/2020 to 08/2022

Oversee six Processing teams to ensure productivity, compliance and efficiency.

Coordinate with employees to discuss business progress and create strategies to accomplish the company’s goals.

Oversee the recruitment and training of staff and implement a marketing strategy to maximize sales a profitability.

Establish multiple commercial establishments within a specified region.

Hiring and training Processing Managers, meeting corporate goals and creating positive working environment for each team in the region.

American Advisors Group 18200 Van Karman Ave Suite 300, Irvine, CA 92612

Processing Manager 09/2017 to 09/2020

Collaborately work across different departments of the enterprise

Assess, design, execute, monitor and control business processes

Meeting with business managers to discuss business objectives

Analyze the efficiency and costs of existing business processes

Identify areas of improvement

Create and present process improvement reports

Oversee the implementation of new business processes

Bank of America Home Loans 275 Valencia Ave, Brea, Ca 92823

AVP/Fulfillment Team Lead 04/2015 to 09/2017

Responsible for a team of Loan Processor of Home Services Specialists (HSS) with mixed pipeline of FHA, VA, Conventional conforming and non-conforming loans.

Lead performance activities such as setting goals and objectives, conduct performance reviews and establish development plans

Provide leadership and training towards development of HSS’.

Pipeline management and manage cycle times, loan review, and follow up with Sales Partners and other internal business partners

Ensure HSS’ achieve all metrics including meeting all closing dates

Mentor HSS’ and act as primary contact for pipeline questions and escalated issues

Continously evaluate processes and procedures for effienciency opportunities

Bank of America Home Loans 275 Valencia Ave, Brea, Ca 92823

Home Services Specialist III 06/2008 to 04/2015

Process FHA and Conventional mortgage loans including conforming and non-conforming loans and mortgage applications for Platinum Privileges, Merrill Lynch, US Trust clients and Preferred Customers

Examine Loan documentation including credit report, and address all red flags and discrepancies to ensure accuracy and completeness to adhere program guidelines prior to AUS decision

Identify conditions according to specific loan program type to keep in compliance with program guidelines and all regulatory requirements

Validate information input in system to ensure accuracy of automated underwriting decision pulled by AUS

Gather and collect all stipulated condition including borrower income and asset documentation, escrow, title,

Ensure all AUS conditions outside of authority are in compliance to guidelines and underwriting standards and submit t Underwriting for sign off.

Review and sign off on all Signature Authority Service and Enforcement (SASE) level 1 and 2 conditions, issue final approval on loan applications and move file to closing in preparation for loan docs

American Guardian Home Loans 27 Orchard #100, Lake Forest, Ca 92630

Loan Processor/Funder/Docs Drawer 10/2007 to 06/2008

Process FHA, VA and Conventional mortgage loans

Order and analyze appraisal, flood, credit, title and escrow instructions

Manage the mortgage loan process including collecting additional documents as required by Underwriting in order to ensure timely closing of loans.

Clear and sign off on conditions and prepare transactions for loan closing.

Coordinate preparation of loan closing packages, including issuance of funds, closing instructions, etc.

Review, fund and ensure loan package is complete and meets all funding requirements

Ameriquest Mortgage 1100 Town and Country Rd, Orange, Ca 92868

Funding Team Lead/Credit Analyst III 07/2003 to 05/2007

Lead and manage a team of associates responsible for preparation of all documentation to be sent to closing/settlement agents

Review mortgage loan file to ensure accuracy and to determine all conditions were cleared prior to funding and request additional funding conditions as needed

Manage daily workflow and escalated issues to provide a smooth funding process

Assist Loan Operations Manager in all facets of branch operation

Informative Research 13030 Euclid St, Garden Grove, Ca 92848

Customer Service Team Lead/Credit Processor 04/1989 to 07/2003

Lead and manage a team of Customer Service Associates that handle customer issues and customer complaints

Assist Loan Officers and Processors in obtaining information on borrower’s credit, foreclosures and public records, utility bills, and obtaining mortgage histories, payoff demands and rental verifications.

Provide credit supplements on items and tradelines needed verified ad updated by Mortgage Loan Processors and Underwriters

Prepare and submit to credit bureaus all necessary amendments in order to correct items on credit reports and update applicants’ credit scores.

Job Related Skills

iFulfill, AS400, Document Management Portal, TS2, Interact, Imageviewer, Empower, M4

MS Excel, MS Word, MS Internet Explorer, MS Outlook, MS Powerpoint, Lotus Notes

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