Due Diligence De La
Resume:
Richard De La Osa
Miami, FL *****
**************@**********.***
*-** ******, **** (w/Annuities)
Licensed # A065044)
Summary:
.
Proven success in a client-focused environment.
Always exceeded expectation.
Effective verbal and written communications skills.
Complete processing and underwriting skills for Loan Mortgage Origination.
Detailed oriented.
Strong time management and analytical skills.
Strong commitment to the business and team
Focused and driven attitude to support Sales with the Due Diligence process.
Review and understanding contracts with CMS and Insurance carriers, negotiating with Providers and Hospital
Corporate enrollments with Medicare after retirement with Employer – retirement package with pension.
Licensed in 50 states.
Education:
Miami Dade College 1991
2 yrs. Business Administration w/minor in accounting Skills:
Bilingual – English and Spanish, Proficient Microsoft Office user. Professional Experience:
UnitedHealthcare Corp March 2023 – Dec 2023
Licensed Tele-a-Sale Agent (Ind & Group)
Enrolled consumers for AEP, OEP, SEP and I(C)EP in their specified time during their election period.
Enrolled 370 during AEP. (Ind & group enrollments) exceeded my goal in AEP by 52%
Over-performed in AEP and OEP.
Abide by the procedures, rules, and requirements for compliance and exceed expectation.
Strived for 53 days (about 1 month 3 weeks) during AEP and grinded a lot of overtime and adhered to my schedule. Advise Insurance Agency July 2021 – Dec 2022
Licensed Medicare Agent NPN 613928
Enrolled consumers for AEP, OEP, SEP and I(C)EP in their specified time during their election period; exceeded expectation. Enrolled 157 during AEP; 88 in OEP.
Abide by the procedures, rules, and requirements for compliance. Adheres to listen to recordings of agents, having 1one1 discussion on behavior patterns the industry was heading due.to Covid and perfected rebuttals for enrollment.
Strived for 53 days (about 1 month 3 weeks) during AEP and grinded a lot of overtime and adhered to my schedule. Hola Doctor, LLC Nov 2018 - Feb 2021
I Insurance Team Lead
Generated sales to ensure that OEP would be a successful event that would be profitable event.
Assist eligible consumers to select the appropriate Healthcare insurance plan.in the Marketplace.
Present potential solutions for selling all kinds of Supplements using our insurance products.
Abide by the procedures, rules, and requirements for compliance.
Adheres to listening to recordings of agents, having 1on1 discussion on behavior patterns the industry was heading and how to execute closing deals w/ancillaries on a shortened time limit.
Meet monthly sales goals including applications submitted, conversion, hours, AVG handle time.
Act accordingly to work schedule.
First State Bank of the Florida Keys Apr 2018 - Sept 2018 Loan Servicing Specialist-Insurance Team Lead
Execute a range of complex tasks to ensure that the bank loans have adequate flood, fire, and wind insurance if property secured and have comprehensive and collision (full coverage) if vehicle/vessel secured, in force consistent with regulatory guidance and bank credit policy.
Act as liaison between the Loan Servicing Department and all parties involved in the insurance function.
Review, maintain, monitor, and track down all insurance compliance requirements for all new and existing commercial loans and residential/consumer loans.
Assist in compiling insurance reports for audits and other purposes. Responsible for solving all insurance issues across the board and assisting lenders, lending assistants, and other constituents with their insurance-related issues.
Assist the loan originators and administrators in reviewing all insurance requirements prior to funding.
Processing, imaging, and filing of documents.
Other duties as assigned.
Paramount Residential Mortgage Group, Fort Lauderdale, FL Jan 2017– Mar 2018 Asst. Jr Processor/ Marketing Asst.
Build relationships; develop new business accounts by working with Realtors, Title Co., self-sourcing (B2B, M2M), M2M referral and networking referrals.
Establish personalized customer service standards by prompt responses to client inquiries for realtors.
Consolidated relationship with customers through virtual customer service.
Responsible for onboarding account opening documentation and client remediation review including customer due diligence (CDD), enhance due diligence (EDD), know your customer (KYC).
Congregated and input documents to process loans for Underwriting Approval. Review QC findings.
Translated for Loan officers and completed 1003 applications for DU findings and Underwriting Approval. Bank of America Merchant Services, Fort Lauderdale, FL Mar 2014 – Aug 2015 AVP; Business Consultant (Field Rep.)
Build relationships; develop new business accounts by working with partnerships, self-sourcing (B2B, M2M), M2M referral and networking referrals.
Opened Consumer and Business Account.
Partnered with Assigned Banking Centers to assist with SBB, CB and BCM around development, expansion, and retention.
Train and reach knowledge of products and services within the industry to bankers and merchants.
Knowledge of Anti-Money Laundering (AML), Bank Secrecy ACT (BSA), USA Patriot Act, FATCA and regulatory environment knowledge of general banking operations, policies, and procedures.
Responsible for onboarding account opening documentation and client remediation review including customer due diligence (CDD), enhance due diligence (EDD), know your customer (KYC). Planet Beach, North Miami Beach, Florida Oct 2012 – Mar 2014 Sales Manager
Generated sales leads through Company. Motivated sales staff and monitored their production levels by using the established protocols and sales system programs.
Hold daily production meeting sales team. Establish and maintain the standard company protocol for sales tours and price presentation.
Helped Associates close deals. Performed above quota by 125% as a norm.
Prospecting for new business and upgrading existing members through networking and cold calling.
Train and reach knowledge of products and services within the industry. Bank of America Home Loans, Ft. Lauderdale, FL June 2011 – Oct 2012 Customer Relationship Manager/Subject Matter Expert (Call Center)
Excel in being proactive in identifying cross-sell opportunities that are client specific. Currently managed and serves as a single point of contact for a portfolio of 100+ distressed homeowners providing advice on loan modifications, second mortgage modifications, short sale/ DIL, and foreclosure in a time sensitive deadline driven environment.
Oversee a broad set of activities that include, document validation, NPV modeling, loss mitigation, negotiation, late- stage collection. Handled functions as part of rotation as teller to receive payments on Modification programs and monthly mortgage payments.
Ensure compliance with federal laws and guidelines that minimize loan losses and legal concerns.
Responsible for onboarding account opening documentation and client remediation review including customer due diligence (CDD), enhance due diligence (EDD), know your customer (KYC).
Investigating Elements, Main Point and Purpose of Mortgage.
Monitoring of Transactions (payments made to warehouse credit-line; Secondary- market).
Nationwide Financial Solutions, LLC Coral Springs, FL Jan 2009 – Jun 2011 Senior Sales Negotiator
Specialized in negotiating and resolving client debt with various modification bank program and government programs.
Assisted contracted customers with loss mitigation, home retention, mortgage lending, and real estate transactions
(DIL).
Marketed debt resolution and loan modification options to both commercial and residential clients. (Short-Sale) New World Commercial Lender, Miami, FL Jan 2005 – Dec 2008 Wholesale Account Manager/Sr. Loan Officer
Originated, maintained, and expanded commercial real estate relationships with Commercial Bankers and Investors.
Performed analysis, projected financing, processing, and underwriting of Commercial loans for Investors.
Manage interaction with Management and other staff members, as needed, in support of AML/KYC activities, maintaining a high-level internal client service experience.
Surpassed monthly, quarterly, and annual production, strengthening revenues and increasing close ratio. Trans-centennial Lending Group, Miami, FL Jan 2000 – Dec 2008 Asst-Branch Manager/Sr. Loan Officer
Controlled all operations of the branch including sales, processing, underwriting, and workflow using DU and LP.
Recruited, trained, and assessed loan officers, critiquing sales methodology and performance.
Documented, processed, and completed underwriting of loans.
Grew loan production by 25%, strengthened revenues, and increased the closing rate of the branch every month.
Congregated and input documents to process loans for Underwriting Approval. Review QC findings.
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