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Loan Real Estate

New York City, NY
February 29, 2020

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Malika Kudaibergenova


Guaranteed Rate Inc, NY 10/19-Present Closing Disclosure Analyst

● Analyze loan files to recognize inconsistencies in data/documents & compliance with Qualified Mortgage regulations

● Review of Closing and Legal Documents (HUD-1, Note, Deed of Trust, Assignment, Title Binder) and:

Disclosure Documents (TIL, GFE, Right of Rescission, State-specific)

FHA/VA/USDA Loan Documents

Credit Documents (DU/LP Findings, 1003, 1008, Credit Report, VVOE, Appraisal)

Insurance Documents (Hazard, Flood, MI)

● Properly handle TILA/RESPA LE/CD fee tolerance comparisons, APR rules and change of circumstance.

● Processed 275 Loans per month

Sumitomo Mitsui Trust Bank NY 03/19- 10/19 Loan Operations Associate

● Prepare and capture credit related transactions, ensure documentation accurately reflects the terms of credit agreement. Prepare and maintain customer billing and statements in operational ledgers and files of various forms in accordance with the Bank’s policy.

● Process domestic loan administrative work like funding arrangement, preparing Tax Information Sheets, processing upcoming interest, lease payment etc.)

● Coordinate with the originating department to collect required documentation for syndicated loan closing. Communicate with clients and lending office if any payments weren’t received or draws requested are not according to terms, schedule and instructions set by the binding agreement

● Process assigned non-routine loan activities such as purchases, refinancing, amendment, termination and sale of various assets. . Establish new customers and facilities

● Handle back-office operations for bonds acquired by Lending Group. This includes: capturing new bond products in systems, processing purchase, sale, redemption and coupon payments as well as timely funding of floating bonds & monthly reconciliation of bond ledgers. . Affordable Financial Services Ltd., New York, NY 05/18 – 03 /19 Loan Coordinator

● Finished XINNIX Mortgage Academy Flight School

● Responsible for managing database of clients

● Comfortable with Conventional, FHA, VA, ARM and Jumbo Loans, different types of incomes, including non-traditional

● Read and analyzed credit reports, reviewed appraisals and contracts

● Worked inside the real Estate Agency with 65 agents

● Received leads directly from agents, contacted them to get full LOS applications, ran credit, scheduled appointments, and collected/reviewed, notated any unusual information found in document, made initial structuring of loan

● Submitted loan documents for final review to the Loan Officer. Helped processors to facilitate ordering and receiving of documents from clients and third party service providers at closing stage

● Managed CRM Total Expert & Open House Flyer software

● Conduct search on public sites for property tax and other information Modern Residential, New York, NY 11/17 –04/18 Real Estate Agent Weichert Realty, New York, NY 05/17 09/17 Intern

EDUCATION : Baruch College/CUNY, Zicklin School of Business, New York, NY Currently Pursuing : BBA: Real Estate Development; Minor: Political Science (Completed 98 Credits) SKILLS & CERTIFICATES:

● CRE Financial Excel Modeling Online Course 01-02/2020

● ARGUS for CRE course in Baruch College 07-08/2019

● Python for Data Analysis 2 month Boot Camp 11-12/2019

● Data Science with Python Coursera Certificate

● Tableau Financial Modeling 01-02/2020

● Licensed Real Estate Salesperson in NY State

● New York Notary Public License

● Proficient in Microsoft Word, Excel, Power Point, Access, Encompass, Total Expert CRM system for Loan Officers, Open House Flyer software, Property Shark LEADERSHIP ACTIVITIES: Attended:

● Real Estate Wealth Expo New York, NY, 8/2019

● Jordan Belford’s “Straight Line of Persuasion Forum” New York, NY,2/ 2018

● Synergy Global A Master Class in Disruption, New York, NY, 10/2018

● Completed AIESEC Volunteering Student Exchange Program, Poland, EU, 01-02/2016

● Selected to participate in International Turkish Olympiad, Istanbul, Turkey, 05-06/2012

● Was elected as a Chair of Finance Department at Student Senate, 2015-2016

● Head of Model United Nations Club, 2014

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