Operations Manager Escrow Officer

Cynthia Amezquita

Relevant skills

•Strong analytical skills – audit policy and procedures, insurance policy (home/flood), loan agreements/contracts, quality assurance/compliance, fraud investigation, credit evaluations/assessments, title/realty policy and procedures, real estate property law

•Research and resolving inquiries regarding payroll documentation.

•Organize and prioritize workload.

•Think logically, multitask, apply laws, rules and regulations and bargaining contracts.

•Network with the community and create non- profits and private events.

•Strong written communication experience – real property contracts/procurements, annual business reports, fiscal projections, appraisal reports, credit reports, loan agreements, FHA/VA documentation and processes

•Excellent verbal communication experience – power point, meeting facilitation, training/education

•Proficiency with Microsoft office suite (word, excel, PowerPoint, publisher, access) encompass program.

•People person. I love working with people and know how to communicate and understand the importance of staff and volunteers and place a premium on customer service.

•Volunteered at the woman’s shelter “pretty on the inside” and an advocate for weave.

•Manage team members in a positive manner, lead and mentor, hire, coach, and performance manage.

•Collaborative and understand the best way to meet and exceed goals through outstanding teamwork.

Professional experience

Operations Manager - Waterman Brewery (Evening Shifts) 2019 - Present

•Coordinate and organize events. Hospitality hostess, scheduling and manage day to day operations, food runner, beer tender in a busy environment and customer satisfaction.

•Human resource duties to include hiring, appraisal reviews, screening resumes, interviewing candidates, run back-round checks, reference checking, onboarding, training staff.

•Networking with customers and establish relationships.

•Experience in analyze data and guide strategic employment planning.

•Sales and marketing, service our existing accounts and relationships.

•Accounts receivables/payable and invoicing.

•Collections-contact accounts when they fall behind making their payments.

Operations Manager - The Pest Guys, INC. – Elk Grove, CA April 2010 – December 2021

•Manage and coordinate all day-to-day operations for the company; design and implement marketing and sale strategies, train and develop new employees, and maintain payroll and accounting. Receivables and payables.

•Review, track and monitor market trends, competitor strategies and industry advancements. Draft and present semi-annual budget reports and provide feedback and strategies to other sales account managers.

•Update usage/utilization reports for review, ensure business licensing and legal requirements are adhered to, and ensure proper licensing and commercial insurance is maintained by the company.

•Cultivate new and emerging business relationships, manage account receivables/payables, create invoices/bills for payment and monitor and collect against past due accounts. Human resource-evaluation new hire screening. Interview and find talent to fit the scope of employment and appraisal reviews.

•Develop and assess subcontract scope of work detail as needed and assess/track contractual performance requirements. Collections.

•Develop and maintain business expenditure reports, operating budgets, and credit/debit controls.

Underwriter - Summit Funding April 2019 - May 2022

•Tasks include receiving new loan submissions, set-up, compliance, and fraud review and preparing for the underwriting process, conducting pre-audits, ordering appraisal, and reviewing and adding conditions that may be relevant for the loan.

•Prepare cd for funding and review for closing.

•My authority level was able to accomplish other tasks as deemed necessary by the team lead and/or underwriting manager.

•Processing systems include encompass, Microsoft word and excel.

•Conduct pre-audit review of file and maintain all standard and stated turn times are met.

•Maintain quality of loan package

•Measurement: quality of files per post-closing suspense report and internal/external qc

•Audits with error rate of 5% or less. Maintain efficient file flow and desk management.

Senior Underwriter/Operations Manager - Countrywide Home Loans –Elk Grove, CA January 1990 – February 2008

•Provide analysis on financial statuses of loans, budget/expense reports, credit applications, property evaluations and purchase history to determine loan feasibility.

•Conduct and develop credit quality review reports to determine status and accuracy of collections/outstanding balances for accounts.

•Review and approve purchase agreements and ensure that underwriting requirements are met for all loan products being offered. Additionally, aid and guidance to borrower as requested and support the real estate agent and escrow officer.

•Develop briefing documents and review analysis documents, ad-hoc reports, and other documents for loan management review.

•Perform audits, investigate incidents with suspected fraudulent activity on loan agreements and respond to all audits for closed loans.

•Reconcile HUD 1 settlement statements, assure compliance with lender and government regulations and review all loan files/mortgage documentation for approval.

Senior Underwriter FHA/VA Conventional - Wells Fargo Bank – Sacramento, CA December 2014– April 2016

•Manage and oversee a multi-disciplined team of lenders, loan processors, underwriters, and sales staff.

•Conduct weekly staff meetings, prepare operation strategies for employees, review work products generated from fiscal reporting programs and ensure cross-training of staff.

•Review and approve loan applications, mitigate risk and errors with loan processing, and prepare final loan documentation for final HUD validations and wire transfers.

Senior Underwrite FHA/VA/Conventional – Indymac 2009-2011

•Evaluated financial strength of individuals and by analyzing financial statements and credit documents.

•Analyze documents to insure all meet guidelines.

•Meet all turn times for FHA underwriting.

•Conduct credit evaluations.

•Assisted and trained loan offers to meet all underwriting guidelines.

•Reviewed credit underwriting reports to assure within guidelines.

•Effectively managed pipeline over 30 loans to meet strict deadlines.

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