Sales and customer service expert
Resume:
Dania Beach, FL *****
***.**********@*****.***
Ricardo de la Puente-Kroll
QUALIFICATIONS AND SKILLS
• Excellent verbal and written communication skills to explain complex financial concepts in a clear and understandable manner to clients.
• Proficiency in analyzing financial statements to assess clients' financial health and goals.
• Capacity to identify financial challenges and opportunities, analyze options, and recommend effective solutions to clients.
• Can work effectively, efficiently, and detail-oriented in a high-stress fast paced environment.
• Strong computer skills with full knowledge of Microsoft Office Suite including knowledge of Excel formulas and CRM systems to streamline processes and enhance client service delivery.
• Superb mathematical computation, financial management, and accounting skills.
• Ability to generate leads, cultivate referral sources, and promote financial products and services effectively.
• Licensed Florida Real Estate agent and Mortgage Loan Originator in 19 states.
• Fluent in English and Spanish
EXPERIENCE
Freedom Mortgage, Boca Raton, FL — Senior Loan Advisor
August 2024 - May 2025
●Third time working with Freedom Mortgage focused on cash out and streamline refinances.
●Originate residential mortgage loans by establishing and maintaining relationships with realtors,builders, and other referral partners.
●Used Sales Force, Xstream, and Sales Portal along with several other tools complete full applications from origination to underwriting.
●Work in a high-volume, fast-paced direct lender call center with inbound and outbound leads from portfolio clients.
●Responsible for accurate interpretation of income through various sources
●Collect and review necessary documentation such as employment verifications, income documents, asset statements, and credit reports to support loan applications.
●Stay informed about changes in mortgage industry regulations, interest rates, and lending practices to provide accurate and up-to-date information to clients.
Iconic Mortgage, Miami, FL — Mortgage Loan Originator
February 2024 - May 2024
●Second time working with Iconic Mortgage. My focus was on cash out refinances due to the market at the time.
●Analyze applicants' financial situations to determine their eligibility for various loan programs and recommend suitable mortgage products.
●Work in a fast-paced call center with inbound and outbound calls.
●Daily use of CRM programs like Sales Force and Encompass to process loan applications.
●Evaluate loan applications and conduct thorough underwriting reviews to assess risk and guarantee loan quality.
●Build and maintain large pipeline of clients while assisting the processing team to ensure loans are closed in a timely manner.
●Stay abreast of market trends, regulatory changes, and industry developments to provide informed advice to clients.
Freedom Mortgage, Boca Raton, FL — Senior Loan Advisor
February 2023 - February 2024
●Second time working with Freedom Mortgage Primary focus was purchase due to the market at the time.
Turbo Debt, Sunrise, FL — Debt Advisor
December 2022 - February 2023
●Advised inbound clients on a debt relief program after analyzing their credit report and going through all of the financial responsibilities
●Sales generally required a lot of sales techniques and proper rebuttals do the the nature of the program and potential negative aspects of it
Freedom Mortgage, Boca Raton, FL — Loan Advisor
August 2022 - November 2022
●First time with Freedom Mortgage. I was focused on streamline refinances and cash outs at the time.
●I was part of a massive layoff that Freedom had in Nov 2022 but was quickly brought back when the market adjusted in Feb 2023
Pennymac Loan Services, Tampa, FL — Senior Mortgage Loan Originator
September 2021 - August 2022
●Prospect and cultivate relationships with potential borrowers to generate leads and increase loan production.
●Assist clients in selecting the appropriate mortgage program and guide them through the application and approval process.
●Work in a high-volume, fast-paced direct lender call center with inbound leads from portfolio clients.
●Maintained high percentage of loans submitted to funding.
●Thoroughly dissected credit reports to determine the most beneficial options for the borrower.
Iconic Mortgage, Miami, FL — Mortgage Loan Originator
July 2020 - September 2021
●This was my first time with Iconic Mortgage with a heavy focus on streamline refinances with a sprinkle of cash out refinances due to the post-Covid market
America’s Mortgage Professionals, Ft. Lauderdale, FL — Mortgage Loan Originator
November 2018 - March 2020
●Handled purchase loan applications through all steps of the process including pre-approval, document gathering and processing, and provided constant support throughout until closing.
●Cultivated and expanded client relationships through networking, referrals, and educational seminars.
●Worked with government and county programs to assist clients with ensuring their approval.
HornerXpress, Fort Lauderdale, FL — Senior Accounting Analyst
July 2020 - September 2021
●Accurately entered all invoices in system for all vendors and all 17 branches by correctly coding services into appropriate general ledger (GL) accounts.
●Solely responsible for managing the largest vendor account, which totals over $40,000,000 in purchase orders for HornerXpress.
●Assisted in Accounts Payable and Accounts Receivable
●Reviewed company-wide expense reports for accuracy and correct categorization of each expense while balances all the ledger accounts.
●Resolved invoice discrepancies and vendor issues by working together with vendors, purchasers, and inventory associates.
●Assisted Accounting Manager with any additional tasks such as pulling all the reports, invoices, and payment registers for the audit process.
●Created monthly spreadsheets with detailed AR, AP, and un-invoiced receipt reports for the previous month and year to date.
●Made sure that all vendors were paid in a timely manner in order to meet negotiated discount terms by tracking vendor deposits, processing wire transfers, making monthly online payments, and mailing weekly checks.
●Participated in month-end accounting processes such as reconciling, organizing, and creating various reports.
Listings Center/ Next Generation Management, Davie, FL — Real Estate Agent
July 2020 - September 2021
●Handled walk-in clients and inbound calls for residential and commercial property rentals and sales.
●Maintained relationships with clients and Realtors.
●Responsible for marketing my services in effort to increase business sales and opportunities.
●Reviewed contracts for consistency and accuracy
●Negotiated terms on behalf of clients toward acquisitions of new properties.
Vacation Village Resorts, Weston, FL — Licensed Timeshare Sales
January 2014 - December 2015
●Twice awarded Champions Club recognition for top 5% sales for the month
●Gave property and timeshare tours to different groups of people, upwards of 25 at a time.
●Sold timeshares worth up to $35,000 per week of ownership.
●Applied different closing techniques to achieve sales.
●Maintained high volume per guest ratio during my entire tenure.
●Regularly trained new employees as to how to run a timeshare tour properly and successfully handled all aspects of customer service complaints.
EDUCATION
Florida Atlantic University — Accounting
January 2021 - current, Boca Raton, FL
Broward College — Associates Degree
January 2018 - December 2020, Davie, FL
Miami Sunset Senior High
Class of 2002, Miami, FL
CERTIFICATIONS AND LICENSES
Mortgage Loan Originator - Active since December 2018
Florida Real Estate - Active since June 2014
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