Erika Miranda
Orlando, FL (Mobile: 787-***-****)
Summary of Qualifications
More than 15 years of experience in Mortgage Banking or Mortgage Servicing with emphasis in services, sales and marketing. Certified with MBS (Mortgage Banking School of Puerto Rico, Inc.) as Mortgage Banking. Excellent interpersonal relationships and communication skills. Able to be proactive, productive and organized. Oriented to company goals. Oriented to excellence in Customer Service. Work under pressure. Expertise in Mortgage Pro,E3,Kronos,Timberline program, Microsoft Word, Excel, ADP, Timesaver, Outlook and Power Point programs. Speak English & Spanish. (NMLS Number)
Professional Experience
Bermudez,Longo,Diaz-Masso LLC 05/2016-04/2017 (PR)
HR Coordinator
Create new employees personnel file.
Maintain confidentiality and security of employee and property record, files and information.
Maintain filing systems.
Create contracts of temporary and professional services employees.
Perform terminations of employees in system.
Carry out verifications of employment for other companies.
Work with the benefit of medical plan, dental, cobra's plan and life insurance plan
Reports claim license SINOT,ACAA,CFSE.
Follow company and department policies and procedures.
Develop and maintain positive and productive working relationships with other employees and department.
Dorado Beach a The Ritz Carlton Reserve 11/2015-2/2016
HR Coordinator
Create and maintain filing system
Create and type office correspondence using a computer
Distribute and route mail
Order and track HR office supplies and forms
Answers phone calls and record messages
Create new employee personnel file
Assist walk-in candidates with application procedures
Inform HR management of issues related to employee relations within the division or property
Maintain the confidentiality and security of employee and property records, files and information
Ensure accurate maintenance of all employee records and file
Inform HR management of issues related to employee relations within the division or property
BBVA/Oriental Financial Group 10/2011 - 12/2013
Mortgage Sales Executive
Maintain good and grow relationship with existing and new realtors and clients by providing outstanding service and support..
Pre-qualify clients to purchase or refinance a home.
Devising a technique for introducing the sales concept and the product to customers.
Educate consumers to make the best decision for their current needs.
Submits and recommends changes in products to clients.
Doral Bank Branch 12/2009 – 07/2010
Assistant Branch Manager
Supervises and evaluates the activities of the employees of the branch as for the execution
of operational procedures and security of all transactions.
Assures all employees follow the weekly schedule and comply with the procedures to follow for any attendance issue or tardiness.
Prepares and communicates to the staff all operational reports in regards to quality and the efficiency of all branch work submitted.
Responsible to verify and authorize all accounting entries, end of day processes an to monitor all transactions.
Assure all branch staff complies with all local and federal transactions procedures and regulations.
Receives and coordinates all subpoenas and handles all required paperwork of deceased accounts.
Provides support in the implementation and follow up of Branch goals daily, weekly, quarterly and yearly.
Makes sure the Branch has all required documentation and brochures required to provide a high standard of sales and service to our clients.
Substitutes the manager when outside of the branch.
Supports the management team in other duties as required.
Establishes goals and objectives in accordance with the responsibilities for the staff under direct supervision.
R-G Mortgage Corporation 1997 – 10/2009
Manager
Manage and supervise a mortgage branch operation.
Maintain the existing and create new business relations with customers, real state brokers and developers.
Implement initiatives for increase loan production.
Develop and coordinate activities for the potentials mortgage clients.
Help and encourage the branch employees to reach their goals.
Develops and recommends marketing objectives, including sales volume and profit forecasts.
Mortgage Loan Processor/Acting Supervisor
Experience in sales and telemarketing, offering financial counseling to potential client.
Maintain good relationships with existing and new realtors and customers through good communications skills.
Prepare appraisal analysis through exhausted investigations to be submitted underwriting department.
Order all required verification's, documentation and subsequent follow-ups and ensures all time frames and compliance requirements are being met.
Coordinate; prepare all necessary documents for a closing. (Loan closing official)
Maintain daily workflow prioritization to ensure pipeline management meets required closing date
Follow up and communicate with all parties involved in the transaction.
Collecting and analyzing documents to submit to Underwriting for final approval.
Review and analyze all necessary documentation, including borrower documents and third party documents
Marketing Loan Officer
Maintain good relationship with existing and new realtors and clients.
Credit analysis and pre-qualifying for loan approval
Devising a technique for introducing the sales concept and the product to customers.
Educate consumers to make the best decision for their current needs.
Submits and recommends changes in products to clients.
Pre-qualify clients to purchase or refinance a home.
Collect and analyzes customers information regarding income, assets and debts.
Manage marketing area to offer mortgage products to possible clients.
Education
Interamerican University of Puerto Rico
Metropolitan Campus
126 Credits approved in Business Management, Bachelor Degree in Finance
Trainings and Certifications
Excellence in Service
Consulting Sale
HMDA Flood and Fair Lending
Bank Secrecy Act
90 credits for Real Estate Agent-Tiri Real Living
Courses: Physical Security
GLBA Privacy Notice
Identify Theft Red Flag Rule
Information Security
Anti-Money Laundering-Mortgage Lenders