LUIS ARREOLA

ad4okl@r.postjobfree.com

813-***-****

Tampa, FL

SUMMARY

An award-winning, bilingual, and highly motivated professional in the financial services and mortgage lending industries with fifteen years of proven experience. Areas of expertise include: management, high-volume sales and loan servicing, payment processing, banking compliance, financial research and audit analysis, among others. I am seeking a position in which my training and expertise will be of invaluable consequence to and ultimately lead to a rewarding career. ACCOMPLISHMENTS

• Individual and Team Spot Award Achievements.

• Consistently achieved or exceeded monthly referral goals

• Consistently maintained a balancing record of at least 98% accuracy and an A+ rating. SKILLS

• Quality Assurance

• Audit and Due Diligence

• Self-Directed

• Excellent communicator

• Bilingual in English and Spanish

• Self-Directed

• Concur Solutions

• Certify Notary

• Microsoft

• Dispute analysis

Visa and Mastercard

WORK EXPERIENCE

LOCKHEED MARTIN

5/2022 – 05/2023

Auditor

• Supported the Enterprise Operations Risk Global Financial Services (GFS) organization.

• As part of the travel audit team, we thrived in a fast-paced and high-volume environment.

• Audit daily travel expense reports for security clearance positions for temporary duty assignments (TDY), Extended Duty assignments (EDY), and Leadership Development Program

(LDP).

• Responsible for auditing airfare travel for First Class, Business Class, Premium Economy, and Economy Class.

• Audit daily completed expense reports such as Circuitous Routing, Unreasonable Travel Hours, excessively prolonged travel, Medical Needs, Physical needs, and Mission Requirements

• Audit taxation is allowable and unallowable based on Lockheed Martin's policy for TDY and EDY.

• Ran queries report for TDY – Ongoing, Home Leave, Ongoing, Return Home, EDY – Home Leave, and Ongoing - review for per diem rate and meals also check for Taxable expense and Check for a gross-up indicator.

• Multitasking, exceeding expectations, and meeting deadlines. BDL MORTGAGE CLOSER III 5/2021 – 5/2022

PennyMac Funding

• Prepared closing loan packages necessary for individual loan types in accordance with Bank and Investor guidelines as well as Secondary Marketing commitments and requirements.

• Previewed all preliminary documents provided by attorney/title companies including, but not limited to: Title binder, survey, termite report, Hazard/Flood insurance binder, Deed, Settlement statement, Power of Attorney, and/or Trust documentation.

• Completed all disbursement procedures for issuing funds to attorneys/title Company, any necessary refund checks, and release of escrow monies withheld.

• Ensured the timely movement and closing of approved loans through the pipeline. Advised all parties of any changes or issues that may occur to ensure high-quality standards and customer service.

• Contacted Title Companies, Attorneys, Loan Officers, Processors, and Insurance Companies to obtain documentation necessary to close mortgage loans.

• Followed up on any deficiency requests by Shipping and Post-Closing to ensure timely procedure for loan funding.

• Complied with the Bank's Policies and Procedures, as well as regulatory compliance.

• Closed VA, FHA, Conventional, Refinance, and Purchases REAL ESTATE MORTGAGE CLOSER 9/2019 – 5/2021

Radian Guaranty, Inc.

● Communicated with closing agents, clients, and title services team to ensure all necessary documentation to clear the title is obtained, and all closing documents are approved to coordinate and schedule upcoming closing.

● Prepared title documents and reviewed all Lender closing documents prior to the scheduled commencement date to ensure insurance underwriting guidelines and lender closing instructions were met.

● Confirm closing details are completed, funds due at closing are provided and post-closing of the package is accurate and completed.

● Address inquiries from clients, seller’s agents, buyer’s agents, internal staff, and management in a professional and timely manner.

● Perform daily review of all work in progress to ensure all work is completed in a proper time frame.

● Cross-train within the Closing Services Team and company-wide as necessary by operational demands.

● Perform all other duties as assigned.

FUNDER/CLOSER/AUDIT DOCUMENT REVIEWER 5/2018 – 9/2019 PennyMac Funding

● Prepared closing loan packages necessary for individual loan types in accordance with Bank and Investor guidelines as well as Secondary Marketing commitments and requirements.

● Previewed all preliminary documents provided by attorney/title companies to including, but not limited to: Title binder, survey, termite report, Hazard/Flood insurance binder, Deed, HUD1 Settlement statement, Power of Attorney, and/or Trust documentation.

● Completed all disbursement procedures for issuing funds to attorneys/title Company, any necessary refund checks, and release of escrow monies withheld.

● Ensured the timely movement and closing of approved loans through the pipeline.

● Contacted Title Companies, Attorneys, Loan Officers, Processors, and Insurance Companies to obtain documentation necessary to close mortgage loans AUDIT DOCUMENT SPECIALIST

Meridian Asset Services 07/2017 – 10/2017

• Sorting, inputting data and basic calculation, manipulating data using basic Excel functions which include filtering. Assist with performing quality control checks on input data to ensure accuracy.

• Review imaged documents, identify and perform data input of relevant document data points of mortgage and Note data for purposes of document creation.

• Validate chain of assignments for completeness, order assignments, Notes, and/or Allonges as required.

• Assist in the creation or modification of quality industry documents according to department standards, following defined procedures.

• Submit the mortgage-related documents to the county clerk for recording as needed.

• Maintain a good understanding of CAM functionality and its workflow tools to ensure proper use. LOAN SERVICING REP II – BANK UNAPPLIED PROCESSING

HSBC Mortgage Services, Inc. 4/2015 – 5/2017

• Payment processing in many different facets from paying loans to preparing loans for modification, payoffs, foreclosures, bankruptcy, and paying customer accounts through the payment hierarchy, which may include fee codes, taxes, uncollected late charges, negative escrow, interest due, sending checks to customer loans that are paid in full and funds that are left in escrow.

• My role completes a broad range of operational duties assigned ensuring timely completion and compliance with established internal standards and external regulations.

• Monitors daily, weekly, and monthly reports and assigned daily work to teammates.

• Ensures compliance and operational risk control are in accordance with company and /or regulatory standards and policies.

• Optimizes relations with auditors and regulators by addressing any issues. MS CRM TOUCHPOINTS/ LOAN SERVICING REP I 10/2013 – 4/2015 HSBC Mortgage Services, Inc. (through Apple One Staffing)

• Retrieved workload and archived daily reports of MERS system transactions for CML accounts on the Mortgage Loan Service program for (HMS) 88 region and (CLMS) 840.

• Verified that borrower’s demographic information matches the original Mortgage Note and made necessary corrections.

• Revised reports for error messages and updated the MERS Daily Track Report.

• Review reports for rejected or unconfirmed MINS by the current or new investor.

• Assisting peers with workload to meet daily quota and learn all areas of the department. DOCUMENT RETRIEVAL SPECIALIST / LOAN PROCESSOR 3/2013 – 10/2013 JC III & Associates/J.P. Morgan Chase Bank

• Retrieved mortgage documents and verified that all documents were present and accurate; documented any errors within the documents through an internal system.

• Performed post-closing underwriting analysis of mortgage files upon receiving investor claims.

• Examined all avenues for obtaining/retrieving documents through the existing “Retrieval Document Fulfillment Workflow System and third-party vendors.

• Ability to manage multiple assignments and ensure completion of projects in a fast-paced environment.

• Knowledge of processing, closing, mortgage origination, auditing, quality control, and underwriting approval guidelines involved in residential loans.

• Researched, analyzed and retrieved documents to ensure compliance standards and product guidelines requirements.

HOME SERVICE SPECIALIST II / JR UNDERWRITER 1/2012 3/2013 Bank of America, Tampa, FL

• Responsible for verifying all conditions of approval which may include customer income/assets documentation.

• Prepared all documentation for processing of loans approved by an underwriter. Clearing conditions and issuing changes to the terms on previously approved loans.

• Resolved routine title issues including, but not limited to the following: vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens re conveyances.

• Processed subordinations; resolves appraisal disputes; coordinate closing activities; manage a heavy pipeline 50+ loans; 8-week Bank Training/ Processing/Fraud Course. EDUCATION

LINCOLN TECH DES MOINES, IA

• Associate Degree Auto Diesel/Gas

• Associate of Science Business Degree

ADDITIONAL CERTIFICATIONS

• Auto Collision Estimator Certification

• Web Base Training Compliance

AFFILIATIONS

• ECHO – Emergency Care Help Organization

• Feeding America

• Boys and Girls Club

Contact this candidate