Data Entry Los Angeles

RACHELLE CRUZ

Los Angeles, CA ***** 310-***-****

*************@***.***

PROFESSIONAL

SUMMARY

An organized, proficient, and detail-oriented professional with more than 20 years of combined experience in mortgage and finance. Seeking positions in Human Resources, Administrative Assistant positions, mortgage financing, loan processing, loan origination, and research specialization. A quick learner who can absorb new ideas and can communicate clearly and effectively with work colleagues and clients. Confident in the ability to propose own ideas when appropriate, possessing strong initiative and drive to success. SKILLS

Excellent Communication and

Organizational Skills

Time Management Skills

Strategic Planning Abilities

Project Management Skills

Conflict Resolutions

Consistently Meet Goals

Quick Learner and Adaptable to

Change

Bookkeeping Skills

Administrative Experience

Application Preparation

Proficient in Microsoft Word, Excel,

PowerPoint, Quickbooks,

CareConnect

Financial Document Review

File Management

Data Entry

WORK HISTORY

SENIOR OFFICE TECHNICIAN 03/2024 to present

Los Angeles Unified School District Los Angeles, CA

Composes, prepares, and edits a variety of routine letters, memos, and forms, typically using computer software.

Compiles, interprets, and codes data from various sources; enters data into a computer database, utilizing computer systems and programs for functions such as procurement, finance, student attendance, and personnel; and prepares related reports.

Initiates and maintains liaison with others to provide and/or request information and responds to employee/public inquiries by telephone and in person.

Researches, compiles, and maintains information and data for statistical and/or financial reports; checks and tabulates statistical data; and reviews incoming and outgoing data for accuracy, completeness, and quality.

Checks forms and records for completeness, consistency, and accuracy.

Organizes and maintains files, records, cross-reference systems, and other information.

Orders, receives, and distributes office supplies and equipment.

Assesses whether office computer problems appear to be software or hardware-related and promptly reports problem and location to the ITD Helpdesk.

Operates a variety of office equipment, e.g., computers, printers, copiers, calculators, typewriters, microfilm machines, facsimile machines, etc.

May prepare, modify, and update simple spreadsheets.

May prepare employee time reports and maintain routine bookkeeping and payroll records.

May train and provide functional supervision over a small group of employees and/or student workers.

Performs related duties as assigned.

HOME LOAN PROCESSOR 04/2021 to 06/2023

Wells Fargo Bank Beverly Hills, CA

Reason for leaving: Displaced due to lack of work

Maintain system accuracy, issue disclosures as federal regulatory agencies require, and review rate lock and point objectives for accuracy

Set up files and order all necessary exhibits for appraisals and credit reports

Prepare and calculate income and assets thoroughly before submission to underwriting

Obtain and review documents for compliance with loan conditions with the loan officer, coordinate with buyers, sellers, title companies, escrow agents, surveyors, and real estate agents to obtain additional documentation, complete loan submissions perform closings

Check alternative documentation for accuracy

Manage pipeline via weekly pipeline report.

Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.

Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.

Handled any conditions sent from underwriting departments.

Communicated with originator and applicant concerning progress of loan file.

Analyzed borrower credit reports and income statements to verify accuracy.

Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.

Reviewed financial statements and contacted institutions and customers to clarify details.

Prepared file for final clear-to-close by branch management.

Coordinated closing process with attorneys, title companies, and government clerks.

Processed mortgage loan applications accurately and successfully for over 20 years.

BOOKKEEPER 11/2018 to 03/2021

IKD, Inc, Simple Simi Valley, CA

Reason for leaving: Wells Fargo Bank

In charge of bidding requirements and proposals submitted to General Contractors

Maintained and processed invoices, deposits, and money logs.

Tracked expenses and income for businesses while organizing and maintaining bank statements for checking accounts.

Reconciled and corrected issues with financial records.

Posted daily receipts and payments in accordance with corporate protocols.

Established QuickBooks accounting system to reflect accurate financial records.

Identified accounting errors when cross-referencing documents and database information.

Reported financial data and updated financial records in ledgers and journals.

Completed tax forms in compliance with legal regulations.

Reduced financial discrepancies through transaction monitoring and management.

Analyzed financial data to assist in budget creation and forecasting.

Reviewed and filed financial documents, coded accounting entries for data processing, and posted daily receipts and payments in accordance with all corporate protocols.

JR. UNDERWRITER/UW SET 05/2016 to 10/2018

Loan Simple Inc. Englewood, CO

Reason for leaving: Displaced due to lack of work

Review new loan files to ensure the loan meets agency and program criteria with a minimum standard

Determined and documented loan conditions and communicated requirements and decisions.

Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.

Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.

Built strong relationships with lenders, brokers and clients for constructive communications.

Review the file to make sure that it complies with applicable regulatory, state, and federal requirements

Thorough understanding of underwriting policies and procedures, including investor guidelines and regulatory updates

Maintains a thorough working knowledge of FNMA, FHLM, FHA, and VA, and Investor lending policies, procedures, underwriting guidelines, and requirements for packaging of loans

Maintain current and fluid knowledge of investor and agency guidelines.

Examined credit reports, financial statements and tax returns to determine repayment capability.

Made approval and denial recommendations by determining accurate risk levels.

OFFICE ASSISTANT ADMINISTRATOR 06/2014 to 06/2016

YBM Properties, Inc Los Angeles, CA

Reason for leaving: Hired by Loan Simple, Inc

Completed clerical tasks such as filing, copying, and distributing mail.

Managed daily data entry and kept clerical information accurate and up-to- date.

Maintained and updated office records, both digital and physical.

Interacted with customers by phone, email, or in-person to provide information.

Ordered office supplies and kept office stocked with needed resources to operate smoothly.

Prepared and edited documents to produce precise, accurate and professional communication.

Monitored security to help maintain equipment, data and information safety.

Input data into spreadsheets and databases.

Reviewed files, records and other documents to obtain information to respond to requests.

Answered and managed incoming and outgoing calls while recording accurate messages for distribution to office staff.

Promptly received and forwarded incoming communications, such as phone calls, emails and letters, to appropriate staff.

Kept office supplies well organized and sufficiently stocked, placing orders promptly to replenish materials before depleted.

SENIOR LOAN PROCESSOR 10/2012 to 05/2014

JPMorgan Chase Bank Chatsworth, CA

Reason for leaving: Displaced due to lack of work

Prepared documents for underwriting by verifying client income, credit reports, and other information.

Handled any conditions sent from underwriting departments.

Provided quick turnaround times to maintain the fast-paced schedule.

Evaluated approvals against established bank and government lending standards.

Analyzed credit reports to determine the eligibility of applicants and capacity for loan products.

Facilitated communication with loan applicants, underwriters, and loan officers to optimize processes and maintain updated information.

Utilized loan origination software to process and track loan applications.

Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.

Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.

Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms. PATIENT CARE SERVICES AIDE 06/2012 to 10/2012

Children's Hospital of Los Angeles Los Angeles, CA

Reason for leaving: Hired by JP Morgan Chase

Provides basic patient care to an assigned group of patients

All patient care is specific to the age and/or developmental needs of the patient

Consistently demonstrates a commitment to a patient and family-focused model of care.

Offered caring companionship and emotional support.

Assisted patients with daily living needs to maintain self-esteem and general wellness.

WHOLESALE AND RETAIL/DIRECT LOAN COORDINATOR AND ASSISTANT OPERATIONS MANAGER 10/2007 to 07/2012

ING DIRECT Bank Los Angeles, CA

Reason for leaving: Displaced due to the company being acquired by Capital One Bank

Provided operational support for high-volume financial institutions

Communicated with customers, associates, and other individuals to answer questions and escalated calls

Assigned tasks to associates, staffed projects, tracked progress and updated Managers and clients as necessary

Spearheaded cross-functional training and initiative to achieve monthly goals

Managed Retail Team of 20 Professionals consisting of Loan Admin., Loan Processors, Loan

Specialists, Closers, and Funders with a pipeline of 200 + files/loans; $600 Million in Volume and funded $60 Million monthly average

Increased conversion ratio by 15%

Developed procedures that resulted in an 8% growth of files moved to Service

Implemented processes that utilized opening, re-disclosing, loan coordinating, closing, and funding pipeline reporting

Trained staff in Loan Coordinating Procedures, RESPA requirements, GFE analysis, and Income Level 1 Calculation

Ensured superior customer service by setting their expectations and valuing their business

Served as a key contributing member to the Leadership team

Supervised retail team to monitor loan activity and goal achievement. EDUCATION

Certified Nursing Assistant (CNA) 10/2007

Allied Medical & Health Services, Inc., Glendale, CA State Certificate No.: 00709624

Bachelor of Science Computer Science 04/1998

Angeles University Foundation, Angeles City, Philippines High School Diploma 04/1994

Holy Angeles University, Angeles City, Philippines CERTIFICATIONS

. Certified Nursing Assistant

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