RUTH ALVIDRES

PROFILE

Dedicated bilingual mortgage professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working with various mortgage products under pressure and adapting to new situations and challenges to best enhance the organizational brand.

EXPERIENCE

REMOTE MLS CUSTOMER TECHNICAL SUPPORT, RAPATTONI INC. WESTLAKE, CA 2022-PRESENT

Primarily responsible for providing technical support to the general membership, responsible for operating phone and voicemail system by performing various technical support to general membership via phone, email, text, and internal computer automated system. Provide technical support to users by researching and answering questions, troubleshooting problems, and maintaining workstation. Provide answers to clients by identifying problems, researching answers, and guiding clients through corrective steps.

COMMERCIAL LENDING ASSISTANT, ENCORE BANK TAMPA, FL 2021- 2022

Supported Commercial Lending Officers by assisting in the ongoing maintenance of customers' accounts, daily activities, special projects, and interface with other departments as needed. Manage, run, and cure the daily exception reports. Analyze and evaluate documents received from various sources. Assist in origination loan set-up. Review, approve, closing docs for CTC, batch, wire, fund, and book GL’s. Conducted UCC and VIN searches.

GOVERNMENT INSURING & GUARANTEE PROCESSOR II PENNYMAC TAMPA, FL 2019-2021

Review mortgage loan documentation to insure/guarantee loans according to government agency guidelines. Audit Review closed file packages data entry and report pending stipulations. Primary function is to obtain final insurance by government agencies (FHA/VA) within a quick turn time.

MORTGAGE LOAN SPECIALIST THDA NASHVILLE, TN 2018-2019

Review 1st and 2nd bond mortgage loans and MCCs to determine conformity and compliance to THDA guidelines. Review bond loan documentation to ensure organization is in proper lien position and meets insurer guidelines. Review outstanding/pended items reporting status to Closing Manager.

MEMBER RELATIONSHIP OFFICER/ MORTGAGE CLOSER TAMPA, FL 2012-2015

Processed teller and other financial transactions based on member needs. Provided expertise and counsel to members, educating them on available products and services. Greeted members through the Process member financial transactions; originate, process, and close loans. Gather information, analyze facts, and educate members on appropriate products/services to provide resolution. Process, prepare and produce subordination agreements. Audit review mortgage files, prepare closing docs, ensure all regulatory requirements are met prior to closing. Review and approve HUD for final closing approval, approve wire amount and submit wire request.

SENIOR. LOAN TECH.GOVT. INSURING UNIVERSAL AMERICAN MORTGAGE CLEARWATER, FL 2011-2012

Audit review of government closed loan files as specified within guidelines and deadlines. Obtain, correct documentation, and complete any follow-up work necessary to obtain FHA Insurance. Primary function is to obtain final insurance by government agencies (FHA/VA) within a quick turn time.

POST CLOSING TEAM LEAD LEVERAGE FINANCIAL TAMPA, FL 2007-2012

Manage warehouse lines for budgeting and funding. Audit review, manage production and funding pipeline reports and team assignments. Train new hires. Follow standard guidelines and regulations established by Fannie, Freddie and Investors. Audited variety of critical financial documents for completeness, accuracy, and resolving deficiencies.

CLOSING TEAM LEAD NATIONWIDE HOME LOANS FT. LAUDERDALE, FL 2006-2007

Manage warehouse line accounts of over $11 million dollars. Audit, prepare and submit over 35 closed loans per month. Run, create pipeline reports, work closely with personnel and investors for negotiation and purchase of loans. Assist VP of Operations on daily bases, responsible for overall post-closing department daily operations, employees, and investor relations. Training, and job coaching. Coordinated with various parties to correct, clear deficiencies for purchase.

SR. BOND LOAN SUSPENSE COORDINATOR CHL WEST HILLS, CA 2000-2005

Analyze and evaluate bond loan documentation received from Correspondent lenders for purchase and ensure accuracy. Successfully Audit Review of 25-35 loan files assigned daily to meet department and service level agreements. Follow defined affordable housing programs policies, guidelines, and procedures to cost-effectively assess the salability and serviceability of the loan files using predetermined Audit Checklists.

SKILLS BILINGUAL TEAM-BUILDING ATTENTION TO DETAIL FLEXIBLE & ADAPTABLE EXCELLENT COMMUNICATION SKILLS PROBLEM-SOLVING BOND PRODUCT EXPERTISE DATA VERIFICATION CUSTOMER SERVICE & ASSISTANCE POST CLOSING EXPERTISE

14014 JACOBSON DR. ODESSA, FL 33556 813-***-**** adwmll@r.postjobfree.com

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