Lester Ruiz, Jr.

***** **** ***** **, *********, FL 33578 Phone: 813-***-**** Email: ad1yzy@r.postjobfree.com

Summary

Experienced Mortgage Professional with a demonstrated track record in the financial industry, adept at managing loan applications, document collection, and client communication to strengthen loan applications. Highlights loans with overdue financial statements and balance sheets, noting loans with incomplete or past-due operating statements.

Skilled in collaborating with various stakeholders including relationship managers, underwriters, and closers to ensure seamless loan processing and client satisfaction.

Proficient in evaluating financial information, credit histories, and loan applications, making informed decisions on loan approvals. Exceptional in calculating debt-to-income (DTI) and loan-to-value (LTV) ratios. Ensures compliance with banking regulations and industry guidelines.

Detail-oriented and compliance-focused, consistently ensuring adherence to credit policies, procedures, and industry regulations while recommending loans for approval based on application strength.

Education

University of South Florida (Tampa, FL) Dec 2014

Bachelor of Science, Public Health

Work Experience

President

Ruiz Regime, LLC March 2021 – Current

Write, edit and post social media content on Facebook (Meta), Instagram and Twitter. Meet with internal brand partners to plan and execute ideas in line with the Ruiz Regime brand. Share executed ideas to targeted demographic via social media outlets, cultivating traffic and engagement with creative and authentic content.

Film, edit, and post video content on YouTube. Capture video content using professional camera, save collected data, and upload to secure database. Access secure data and edit captured footage using either iOS Video Editor or Final Cut software. Create captivating thumbnails using a combination of Canva and social media applications to attract viewership to Ruiz Regime YouTube Channel. Retain said viewership with interesting, relatable, family-friendly content.

Create, order, pack, and ship brand merchandise. Collaborate with internal brand partners to design merchandise for sale on Ruiz Regime website. Negotiate with potential external brand partners in a collaborative manner to cultivate mutually beneficial relationships and contracts for all entities involved.

Design the user-friendly Ruiz Regime website via Wix.com software. Upon completion of design, test designs to ensure the quality of the designer experience remains exceptional. Routinely update websites with relevant content to attract, create interest, drive traffic to, increase viewership of, and deepen relationship with customer. Encourage financial subscriptions to further strengthen commitment to and deepen customer relationships with the Ruiz Regime members and brand.

Mortgage Consultant (Contract)

Tata Consultancy Services/Morgan Stanley January 2021 – November 2022

Evaluate financial information, like income statements, asset documents, and credit histories, for client loan applications.

Request, collect, upload, and organize client and business documents to strengthen loan application.

Calculate debt-to-income (DTI) and loan-to-value (LTV) ratios based on collected information and received client documentation.

Review asset documents to ensure the absence of financial abnormalities, like large deposits and anti-money laundering practices.

Collaborate with other department associates to gather required documents to consummate client loans on desired residence. For self-employed clients, research and obtain needed business documents through state databases.

Correspond with client’s relationship manager, realtor, underwriter, closer, and other stakeholders via written and verbal communication.

Recommend clients’ loan for approval to consummate on and reside in desired home based off application strength.

Sr. Mortgage Processor

Lennar Mortgage, LLC June 2020 – January 2021

Evaluate financial information, like income statements, asset documents, and credit histories, for client loan applications.

Request, collect, and upload member documents to strengthen loan application. For self-employed members, research and obtain needed business documents through state databases.

Calculate debt-to-income (DTI) and loan-to-value (LTV) ratios based on collected information and received client documentation.

Review asset documents to ensure the absence of financial abnormalities, like large deposits and anti-money laundering practices.

Collaborate with other department associates to gather required documents to consummate client loans on desired residence.

Correspond with member, realtor, underwriter, closer, and other stakeholders via written and verbal communication.

Recommend members’ loan for approval to consummate on and reside in desired home based off application strength.

Operate as subject matter expert (SME) for self-employed clients and jumbo loans. Create, present, and distribute subject matter information to colleagues.

Mortgage Pre-Processor (Contract)

CSI Companies/BB&T (Tampa, FL) Dec 2019 – Feb 2020

Ensure that all the documentation necessary to obtain loan approval was received. For self-employed clients, research and obtain needed business documents through state databases.

Review asset documents to ensure the absence of financial abnormalities, like large deposits and anti-money laundering practices.

Review remainder of received documents to ensure completeness and accuracy of loan.

Perform OFAC background checks on individual applicants and businesses to ensure financial health and general good standing.

Collaborate with other department associates to gather required documents to consummate client loans on desired residence.

Submit loans to underwriting for final approval review.

Maintain a pipeline of loans being responsible for the timely and compliant flow of loans until closing.

Mortgage Processor

USAA (Tampa, FL) Mar 2016 – Oct 2019

Obtain National Mortgage License by passing National Mortgage Licensing System (NMLS) test and maintain license by completing annual continuing education (CE) requirements.

Evaluate financial information, like income statements, asset documents, and credit histories, for client loan applications.

Request, collect, and upload member documents to strengthen loan application. For self-employed members, research and obtain needed business documents through state databases.

Calculate debt-to-income (DTI) and loan-to-value (LTV) ratios based on collected information and received client documentation.

Review asset documents to ensure the absence of financial abnormalities, like large deposits and anti-money laundering practices.

Collaborate with other department associates to gather required documents for member to consummate on desired residence.

Perform OFAC background checks on individual applicants and businesses to ensure financial health and general good standing.

Correspond with member, realtor, underwriter, closer, and other stakeholders via written and verbal communication.

Recommend members’ loan for approval to consummate on and reside in desired home based off application strength.

Admissions Representative

Ultimate Medical Academy (Tampa, FL) Nov 2015 – Jan 2016

Contacted and interviewed potential students that have expressed interest in furthering education.

Assisted previously interviewed student’s complete enrollment packing using online system.

Recommended students for acceptance into school based off interview and completion of the enrollment packet.

Assisted enrolled students in the completion of financial aid paperwork before deadline.

Handled confidential student documentation.

Activities & Honors

Kappa Alpha Psi Fraternity, Inc. Spring 2012 – Present

EFA Church Executive Board Member Fall 2021 – Present

Young Adult Committee Chair Winter 2018 – Spring 2020

National Mortgage Licensing System (NMLS) License Holder Spring 2016 – Winter 2019

Mortgage Streamline Project Manager Fall 2018 – Spring 2019

Intercultural Student Leadership Conference Participant Spring 2013low.al lines.

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