Office Manager Data Analysis

MAYRA RAMIREZ

Hesperia, CA. 951-***-****. ***********@*****.***

SKILLS

Solutions oriented professional

Effective cross functional communicator

Leadership skills demonstrated in the workplace

Ability prioritize work in accordance with a demanding schedule

Rapid & Adaptive

High Achiever

Strong analytical skills, data analysis, risk analysis, problem solving

Fluent in Spanish (able to speak, read, write, and translate)

WORK EXPERIENCE

OR Trucking - Remote, CA 09/2022-07/2024

Office Manager/Dispatcher

Manage schedules and oversee daily operations

Prepared daily, weekly, monthly reports and updated calendar of appointments

Performed basic accounting functions including cash reconciliation and wire transfers

Provided support via phone, email and live chat

Communicated directly with drivers to provide instructions and updates

Effectively managed daily dispatching

Maintained accurate records of driver availability and route progress

Consolidated Analytics- Remote, CA 06/2020-09/2022

Sr. Underwriter/NonDelegated UW

Reviewed and evaluated loan files for risk issues and potential fraud and/or misrepresentation.

Underwrote complex Non-Agency mortgage files.

Evaluated Jumbo, DSCR, Bank Statement, Agency eligible and Non-QM loans.

Reviewed and evaluated information on mortgage loan documents to determine if buyer, property, and loan conditions met established credit guidelines.

Coordinated underwriting activities with loan processor, client manager, and/or broker to ensure loan requirements are met; notified loan production personnel of incomplete files to obtain appropriate information necessary to complete loan packages.

Ensured and upheld fair lending practices; met targets for productivity, quality, and customer satisfaction.

Analyzed appraisals to ensure loan collateral met valuation standards and value is supported.

Evaluated the borrower's ability to repay the subject transaction in accordance with guidelines.

Calculated and evaluated all income types including but not limited to all self-employment types.

Reviewed and evaluated residential business purpose loans in the name of an entity and reviewed and analyzed entity documentation.

Evaluated third-party fraud tools to identify and mitigate mortgage fraud.

Obtained a working knowledge of all internal mortgage products to suggest and evaluate secondary options for loans, as applicable.

San Bernardino County Sheriff, Hesperia CA 09/2020-09/2021

Dispatcher 1

Obtain essential information to determine priority

Determine jurisdiction, notifying or transferring calls to other agencies as needed

Enter data in computer system and maintain logs and records of calls, activities and other information

OPUS CMC- Remote, CA 03/2018-03/2020

QIS Analyst/ UW3

Examined Conforming, Non-Conforming, FHA and VA Loans

Evaluated financial statements, credit reports, DTI and LTV

Reviewed loan packages for compliance or deficiencies to company policy

Reviewed transactions to ensure accuracy and completeness

Analyzed of TRID documents to ensure compliance

Analyzed of TRID documents to ensure compliance

AMC First-Remote, CA 05/2017-02/2018

Underwriter III

Handled the review of Conforming, Non-Conforming, FHA and VA Loans

Responsible for assessing financial statements, credit reports, DTI and LTV

Reviewed loan packages for compliance or deficiencies to company policy

Analyzed transactions to ensure accuracy and completeness

Indecomm Global Services-Remote, CA 02/2015-03/2017

Underwriter III

Handled review of Conforming for preliminary and final approval

Reviewed financial statements, credit reports, DTI and LTV

Reviewed loan packages for compliance or deficiencies to company policy

Responsible for handling review of condition and exception request for reasonability

Reviewed transactions to ensure accuracy and completeness

Wells Fargo Bank- San Bernardino, CA 03/2009-10/2014

Underwriter III (01/2012 – 10/2014)

Responsible for the review of Conforming, Non-Confirming, FHA and VA Loans

Reviewed financial statements, credit reports, DTI and LTV

Reviewed loan packages for compliance or deficiencies to company policy

Review condition and exception request for reasonability

Handled the viewing of transactions to ensure accuracy and completeness

Conducted investigative research to support audit findings

Provider loan file feedback to staff and JV Partners

Team Lead - Managed unit workflow to ensure that groups customer service standards are met, and unit procedures are current and in compliance with government and bank regulations

Harp Underwriter III (03/2009 – 12/2011)

Reviewed loans for preliminary and final approval

Underwrote to Home Affordable Refinance Program HARP guidelines

Responsible for reviewing condition and exception request for reasonability

Reviewed all necessary documentation (income, appraisal, title, assets, credit)

Communicated loan decisions to Home Mortgage Consultants and Loan Document Specialist

Contact this candidate