Mortgage Loan Customer Service
Resume:
Melania Ruef
Crestview, Florida, United States
***********@*****.*** / 772-***-**** /
https://www.linkedin.com/in/melaniaruef/
Skills
•Customer Service •Communication •Negotiation
•Organization •Analytical Skills •Small Business •Business Development
•Mortgage Lending •Pipeline Generation •Presentation Skills •Business Strategy •Product Marketing •Human Resources (HR) •Employee Training
•Employee Mentoring •Bilingual (Fluent Spanish) •Time Management •Management Work Experience
Fidelity Lending dba EMM Home Loans
Bilingual Sr Mortgage Loan Originator.
January 2025
1. All aspects of securing a loan application from beginning to closing. Confirmed that all loans applications met 100% internal and external qualifying criteria. Pre- Underwriting of loan with Automatic Underwriting Systems DU an LP 2. New Market-NW Florida
Goldwater Bank, N.A.
Bilingual Sr Mortgage Loan Officer
Oct 2023 - 02-2024
1. All aspects of securing a loan application from beginning to closing. Confirmed that all loans applications met 100% internal and external qualifying criteria. Pre- Underwriting of loan with Automatic Underwriting Systems DU an LP 2. Ability to work with borrowers in all 48 states. (except New York and Vermont) 3. Direct lender environment; offering a diverse book of loan programs from Foreign Nationals, ITIN, Bank Statement programs, conforming, non-conforming Jumbo, government as well as Down Payment Assistance available programs to broaden homeownership opportunities for all American Families. CTC Mortgage Company, LLC
Bilingual Senior Mortgage Loan Officer
Sep 2019 - Jul 2023
1. All aspects of securing a loan application from beginning to closing. Confirmed that all loans applications met 100% internal and external qualifying criteria. Pre- Underwriting of loan with Automatic Underwriting Systems DU an LP 2. Conform with industry guidelines while exceeding customer service when interacting with customers and required industry members. 3. Capture builder mortgage company with tracking record of over 80% of builder- generated business.
4. Mentor and team builder to newly hired Loan officers, Loan Processors team members.
5. Awards on customer performance year after year. 6. Ability to manage high unit volume in a bilingual environment. Confirmed that all loans applications met 100% internal and external qualifying criteria. Pre- Underwriting
7. Uncover cross sell opportunities and successfully referred for sister title company.
8. Daily update of CRM solutions tracking software. SWBC Mortgage
Bilingual Senior Loan Officer-Assistant Manager
May 2018 - Aug 2019 (1 year 4 months)
1. All aspects of securing a loan application from beginning to closing in a self- sourced environment. Confirmed that all loans applications met 100% internal and external qualifying criteria. Pre-Underwriting of loan with Automatic Underwriting Systems DU an LP
2. Assistant Manager to high producing office of 5 originators and back support to Loan Processor
3. Organized and presented Loan Application process during 6 First Time homebuyer education classes focused on the importance of building and managing credit towards successful loan approval.
4. Daily review of pipeline, update to CRM Platform and social media sites. Supreme Lending Southeast
Mortgage Loan Officer
Dec 2017 - May 2018
1. All aspects of securing a loan application from beginning to closing in lender partnership with high-net-worth real estate office. Confirmed that all loans applications met 100% internal and external qualifying criteria. Pre-Underwriting of loan with Automatic Underwriting Systems DU an LP 2. Provided weekly updates relating to market conditions and projections. 3. One on one team building to producing agents to develop joint strategies to grow market share.
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Eagle Home Mortgage
Residential Mortgage Loan Originator
May 2017 - Nov 2017
1. All aspects of securing a loan application from beginning to closing in a builder owned ventured. Confirmed that all loans applications met 100% internal and external qualifying criteria. Pre-Underwriting of loan with Automatic Underwriting Systems DU an LP
2. Group sessions of Mortgage 1.1 towards preparing real estate agents to navigate lending and identify clients’ needs by remaining knowledgeable about available mortgage products
3. Origination of Renovation Loan Financing-providing options to aging properties to be sold as is.
4. Origination of Bank statement program as an alternative to small business owners to grow their residential portfolio.
Business Developer Coordinator
Project Consulting
Jan 2017 - Apr 2017
1. Created and launched a new business venture supporting medical consulting firm for workers compensation nursing advocate planning. Fidelity Lending
Residential Mortgage Loan Officer
May 2016 - Dec 2016
1. All aspects of securing a loan application from beginning to closing. Confirmed that all loans applications met 100% internal and external qualifying criteria. Pre- Underwriting of loan with Automatic Underwriting Systems DU an LP Solar and Energy Loan Fund
Treasure Coast Loan Program Manager
Sep 2014 - Apr 2016
1. Administer the residential loan program; Manage and oversee clean energy loan officer(s);
2. Responsible for customer relations, loan documentation, loan portfolio. 3. Oversee and manage energy auditing program; Collect financial information from clients and perform a loan pre-qualification assessment. 4. Assist clients with energy evaluations, product selection, loan processing, and overall project management.
5. Contractor oversight and training.
6. Work with local governments, civic organizations, property owners’ associations, contractors, vendors and interested parties to cultivate and grow the residential loan program.
7. Create and implement marketing strategies to accomplish programs goals. 8. Employee of the year award. Supporting program growth by 300% on year #1. Project Consulting-Independent
Residential Project Administrator
Jan 2014 - Sep 2014
Contract #1
1. Conversion of multi-million-dollar mortgage pipeline managed by nonprofit Habitat for Humanity to be serviced by national mortgage servicer. 2. Review, analyzed, organized and implemented a record system of property records and homeowner’s financial profiles.
3. Collected missing documents on incomplete files that resulted in successful conversion.
Contract #2
1. Asset distribution to vacation owner members resulting from a multimillion-dollar international timeshare sale.
2. Review of archived data with successful distribution of assets to owner members. Chase Mortgage
Residential Mortgage Loan Officer
Oct 2013 - Jan 2014
1. All aspects of securing a loan application from beginning to closing in a Jumbo new bill store. Initially focused on providing direct access to available mortgage products and customer service.
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Wells Fargo Home Loans
Home Mortgage Consultant/Renovations Specialist
Mar 2013 - Aug 2013
1. All aspects of securing a loan application from beginning to closing. Confirmed that all loans applications met 100% internal and external qualifying criteria. Pre- Underwriting of loan with Automatic Underwriting Systems DU an LP 2. Renovation Specialist Certification for newly formed Mortgage Renovation initiative uncovering opportunities to generate Homestyle and FHA 203K financing as alternative financing for aging properties. Bank of America Mortgage
Retail Sales Manager/Residential Mortgage Loan Officer Jul 2012 - Dec 2012
1. Producing Sales Manager
2. All aspects of securing a loan application from beginning to closing. Confirmed that all loans applications met 100% internal and external qualifying criteria. Pre- Underwriting of loan with Automatic Underwriting Systems DU an LP 3. Identified, recruited and trained 3 full time loan officers 4. Growing organically with 11 branches in the Treasure Coast of Florida. Wells Fargo Home Loans
Home Mortgage Consultant
Mar 2010 - Jul 2012
1. All aspects of securing a loan application from beginning to closing. Confirmed that all loans applications met 100% internal and external qualifying criteria. Pre- Underwriting of loan with Automatic Underwriting Systems DU an LP 2. Successfully supported three banking centers to grow banks market share. 3. Successfully built relations with over 100 Real Estate Agents and over 100 strategic partners such as CPAs, Attorneys, Title Companies and Insurance Companies bringing business back to the bank and to the Mortgage Department. 4. Bank Member representative at the St Lucie County consortium, liaison for the bank with focus on a). Educate on company available programs. b). Generate purchase applications with loan layering- second or third lien positions with assistance from NSP Funds (The Neighborhood Stabilization Program) and FHDPA (Florida Housing Down Payment assistance) towards CRA (Community Reinvestment Act) bank’s requirements.
5. Florida Housing Down Payment Assistance certified loan originator. 6. Awarded Platinum Producer with 105 units closed in one year Bank of America Mortgage
Account Executive-Residential Mortgage Loan Officer Jan 2006 - Feb 2010
1. All aspects of securing a loan application from beginning to closing. Confirmed that all loans applications met 100% internal and external qualifying criteria. Pre- Underwriting of loan with Automatic Underwriting Systems DU an LP 2. Down Payment Assistance Specialist in Florida Housing 3. Construction Permanent Financing Specialist (Homestyle)and Government loan programs 203K specialist
4. Identified and obtained Bank Approval for 12 local Builders who generated Homestyle Renovation / 203K Renovation and New Construction business for the bank.
5. Bank Member representative and originator awarded at the Florida Housing Trade Show in Orlando, Florida.
6. Member of the St Lucie Board of Realtors
TransLand Financial Services
Mortgage Loan Officer
Sep 2005 - Jan 2006
1. 1. All aspects of securing a loan application from beginning to closing in a Builder based mortgage company. Confirmed that all loans applications met 100% internal and external qualifying criteria. Pre-Underwriting of loan with Automatic Underwriting Systems DU an LP
Independent
Project Consultant
Apr 2004 - Sep 2005
1. Provided Loan Processing and Loan Selling support to builder’s in-house lender 2. Attended Loan Closings for 3 top producing Loan Originators. 3. Provided customer service support for Foreign National and Hispanic customers. Resource Mortgage Corporation
Office Manager - Senior Loan Processor
Feb 2000 - Apr 2004
1. All aspects of securing a loan application from beginning to closing. Confirmed that all loans applications met 100% internal and external qualifying criteria. Pre- Underwriting of loan with Automatic Underwriting Systems DU an LP 2. Opened and operated satellite office for multi-state lender. I 3. identified, recruited and trained personnel in roles of Loan Processing and Loan Officer positions to support high volume Builder and self-source operation on growing market
PNC Mortgage
Senior Loan Processor - Junior Underwriter
Jun 1996 - Nov 1999
1. All aspects of securing a loan application from beginning to closing. Confirmed that all loans applications met 100% internal and external qualifying criteria. Pre- Underwriting of loan with Automatic Underwriting Systems DU an LP 2. Recruited Internally to establish and manage an elite team furnishing support to Home Financial Network a company providing centralized underwriting, loan pricing and closing for Builder owned Mortgage Companies throughout the country. High Volume environment.
3. Certified Loan Prospector 8/1998 to approve all conditions for credit/income/assets and collateral portion of loan Prospector Accept and Accept Plus loans.
4. Daily management of volume and allocation of files received. 5. Managed and staffed 2 full time underwriters, 1 loan opener and 1 Loan Processor.
6. Daily handling of lock-in Desk
7. Served in a position of Loan Closer by balancing the Settlement Statement and provided funding authorization when loans reached clear to close. Atlantic Mortgage Company LLC
Loan Processor
Sep 1994 - Jun 1996
1. Mortgage Loan Processor in a brokered environment. FHA/VA/Conventional loans and Farmers Home.
2. Managed pipeline through direct contact with Mortgage Lenders and Title Companies alike.
T.A.B. Mortgage LLC
Junior Loan Processor
Aug 1992 - Jan 1994
1. This was my very first job at a mortgage company. I was trained by an amazing pair of women how to do it all. At the end of my journey here and leaving at 9 months pregnant I was able to Process Mortgage Loan Applications such as: FHA/VA/USDA/Nehemiah Program.
2. Performed Post Closing review and loan delivery to Investors for Loan Purchasing in the secondary markets.
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