Customer Representative Loan Processor
Resume:
CHR I S T I N A M. R U I D I A Z
amcattianese@yahoo,com
OBJECTIVE
To align my professional skills with a highly competitive organization where my experience in areas such as loan processing, loan closing, compliance and post closing will be valuable asset to a world class organization. Diligent and meticulous at gathering borrower information, verifying loan documents and reviewing loan documentation guiding each loan applicant from pre-approval to loan closing. Process Fannie Mae, Freddie Mac, FHA, VA, USDA Rural Development, Conforming and Non-Conforming loans. PROFESSIONAL EXPERIENCE:
Sr. Loan Processor Powerhouse / Processing LLC. Palm Coast, FL 9/2018 - present Provide support to production, various underwriting and closing teams by ensuring all loans meet their scheduled closing dates.
Gather and analyze borrower's credit reports, employment and income documentation, and verify assets to ensure accuracy for submission to underwriting will result in loan approval. Coordinate home inspections, order appraisal home inspections, homeowners insurance and title work.
Ensure compliance with industry standards, underwriting guidelines and lending program requirements.
Use effective judgement and listening skills when communicating with clients and teammates. Communicate with all related parties once loan has been approved. Coordinate closings with realtors and title companies to ensure smooth closings Review of insurance and title documents for accuracy. Assist in post closing compliance reviews.
Closer and Loan Coordinator / Sovereign Mortgage Port Orange, FL 4/2018 - 9/2018 Coordinate and schedule closings with buyers, sellers, title companies, attorneys, escrow agents, surveyors and real estate agents.
Assisted loan officers in gathering documents from borrowers required for closing. Gather closing figures required to generate closing disclosure Review of insurance and title documents for closing. Assist and prepared legal documents for closing.
Provide Notary services for required documents.
Closer and Loan Processor / Approved Mortgage Source, Orange City, FL 2/2016 - 4/2018 Work closely with clients and loan officers to submit loans for underwriting. Process loan applications and submit them to the various lenders for underwriting approval. Communicate underwriting decisions to loan officers and clients. Gather and submit underwriting conditions for review and clear to close. Coordinate closing with buyers, sellers, title companies, attorneys, escrow agents, surveyors and real estate agents.
CHRISTINA M. RUIDIAZ 386-***-**** Page 2 of 2
Licensed Customer Representative / State Farm Orlando, FL 1/2015 - 2/2016 Successfully acquired the Florida 4-40 Customer Representative License (now expired) Listen and evaluate prospective customers auto and homeowners insurance needs to determine eligibility and recommend various coverage options. Respond to clients and broker inquiries via telephone, email and mail. Process transactions in policy administration system and provide operational support to other departments.
Ensure efficient and top quality customer service. Finance Representative / Toyota of Orlando Orlando, FL 9/2014 - 1/2015 Consult with customers to guide them through the purchase of their vehicle. Address any questions about financing, insurance and programs such as extended warranties available to buyer.
Obtain and evaluate buyer credit report and discuss available programs for purchase or lease. Submit buyer credit package to Toyota Motor Credit and bank partners. Train the sales team with the most current finance or lease programs as well as customer benefits of financing.
Quality Control Lead / Digital Risk Lake Mary, FL 1/2012-9/2014 Conduct in depth investigative review of loans for adherence to agency guidelines. Extract information from the loan for re-verifications of all employment, income, assets, credit and collateral.
Follow up all all re-verification requests.
Evaluate all credit, collateral, compliance, closing documents to ensure they adhere to agency and investor guidelines.
Performed investigative work to resolve issues identified by accessing public record databases, web based fraud prevention technologies and other vendor supported automated fraud prevention and loss mitigation tools such as Pacer, LexisNexis, and Corelogic. EDUCATION
1997-2001 Miami Southwest Senior High School Miami Florida GED - State of Florida Department of Education
2015 State of Florida Licensed Insurance 4-40 Customer Representative Proficient in MS Outlook, Word, Excel, Pacer, Pivot, Fidelity, LIV, Accruint, Encompass, Calyx Certified Notary
LANGUAGE AND SKILLS
English - Fluent Full Knowledge
Spanish - Fluent Full Knowledge
Contact this candidate