Mortgage Loan Specialist with Compliance Expertise

REGINA LATORRE WEST PALM BEACH, FL 516-***-**** **********@***.*** in/regina-latorre

LOAN SPECIALIST

Dynamic tax and mortgage professional with extensive experience ensuring compliance with all bank policies, procedures, and processes. Highly skilled at reviewing all mortgage loan documentation and guaranteeing adherence with legal, regulatory agency, investor, and bank policy requirements. Dedicated to analyzing financial statements, cashflow data, collateral, financial ratios, and other information provided. Leverages experience reviewing mortgage applications and financial data within the automated system to assess credit worthiness and repayment abilities. Facility Management Financial Analysis Financing Land Acquisition Leases / Rentals Customer Service Operations Budget Portfolio Analysis Preventative Maintenance Property Management Contract Negotiations Property Evaluations Risk Management Tenant Relations Contractor / Vendor Management Acquisitions Asset Valuation Business Development Conflict Resolution Contract Administration PROFESSIONAL EXPERIENCE

SMALL BUSINESS ADMINISTRATION –REMOTE – LOAN SPECIALIST GS 09 NOV 2021 TO PRESENT Process home and or business loans and make recommendations on collateral needed to secure loans. Apply accepted financial procedures to analyze financial resources to determine an applicant’s ability to repay requested loans. Review all pertinent facts needed to make eligibility determinations by analyzing such factors as the nature and cause of damage intended use of proceeds, legislative and administrative loan limits, and disposition of insurance and other recoveries. Ensure loan files contain all pertinent documentation to include conversations with applicants and written recommendations or justifications for conclusions. Process orally and or in writing applicants. Process Loan Modifications by performing necessary analysis and preparing full documentation to support the analysis while updating banking changes in Rapid. Respond to inquiries from applicants, their representatives and agents concerning status of applications and reasons for agency decisions. (40 Hours a Week/Fulltime plus overtime). Recipient of the 2023 Liquidations Annual Award for Top Performing Loan Specialist. PROJECTS –COVID EIDL SERVICING CENTER – CESC

1. DECEASED BORROWER – SERVICING FOR DECEASED BORROWERS IN LIRA, CAFS, SL TRACK, L TRACK AND EDOX 2. SIDT CHARGE-OFF PROCESS – PROCESS COVID EIDL CASES WITH CHARGE-OFF PROCEDURES THAT ARE SUSPECTED IDENTITY THEFT WITH SL TRACK

3. LIQUIDATION CHARGE-OFF PROCESS – FILE PROCESSING AND TREASURY FILE REVIEW TO DETERMINE PER THE GUIDELINES IF THE COVID EIDL SERVICING CENTER HAS BEEN NOTIFED BY THE BORROWER OF THE STATUS OF THE LOAN TO PROPERLY DETERMINE IF THE CASE SHOULD BE CHARGED-OFF

4. MANUAL CHARGE-OFF PROCESS- PROCESS COVID EIDL CASES WITH A DISBURSED AMOUNT GREATER THAN $200,000 5. DYNAMICS INTAKE ADVANCED TEAM – REVIEW EMAIL REQUESTS FROM BORROWERS AND ASSIGN TO PROPER OCA CESC STAFF TEAM 6. DYNAMICS CASE TRIAGE – REVIEW EMAIL REQUESTS FROM BORROWERS AND ASSIGN TO PROPER OCA CESC STAFF TEAM SOFTWARE: RAPID, CAFS, LIRA, SL TRACK, L TRACK, ONE NOTE, LIQUIDATION SUPPORT – COMPLIANCE, OUTLOOK, WORD AND EXCEL

TRAINING: DCIA TRAINING, LIQUIDATION CUSTOMER SERVICE, DEBT MANAGEMENT SERVICES, SBA PORTAL TRAINING, HOW TO REVIEW LEXIS NEXIS REPORT, EIDL LOAN PAYMENT CALCULATOR GERSON, PRESTON, KLEIN, LIPS, EISENBERG & GELBER PA/TAX ADMINSTRATIVE ASSISTANT MAY 2019 – FEB 2021 Prepare tax organizers. Prepare extensions. Save into appropriate folders. Perform rollover of tax returns. Extend tax return projects after preparing extensions. Efile and pull extension and tax return acceptances from efiling queue. Process all tax returns including payroll tax returns. Rollover binders and create new binders in Engagement. Follow-up with clients to obtain signed 8879’s and engagement letters. Prepare engagement letters and new client forms. Electronically file 1099/1098’s. Creating due date reports for partners/directors/managers/staff and ensure tax returns are filed timely. Scanning/mailing/manage projects. Coordinate zoom calls. Facilities maintenance. (40 Hours A Week/Fulltime). MASTERS REAL ESTATE INC. WEST PALM BEACH, FL 2017 – 2018 REAL ESTATE ASSISTANT

Increase customer satisfaction by fielding inquiries via phone and working in conjunction with sellers and buyers to obtain housing and rental sales. Generate contract of sales, leases, lease agreements, and listing agreements via Forms Simplicity. Research addresses in the property appraiser website to create new files for clients. Ensure all condo association paperwork is complete so the buyers / tenants can obtain approval from the association. Coordinate closings with the title company or the attorney of record (40 Hours A Week/Fulltime).

Maximized property exposure by gathering information to create new listings on the MLS website.

Maintained properties and ensured units were properly cleaned by coordinating appointments with the owners, tenants, and buyers.

Accounted for the funds given by the tenants by preparing a commission split form.

Partnered with other agents in outside offices to obtain codes to enter the condos for showing. BDO USA, LLP WEST PALM BEACH, FL 2015 – 2017

TAX PARA PROFESSIONAL

Instrumental in preparing individual tax returns, write-ups, and bank reconciliations via QuickBooks. Entered trial balances, generated financial reports, and handled all bookkeeping functions. Scanned and bookmarked all client work papers from submission into Sureprep. Planned and executed projects relating to tax and consulting processes and procedures. Generated bills for payment. Processed and mailed tax returns and financial statements to clients. Created new client setups, projects, and contracts via Peoplesoft. Compiled information to prepare engagement letters. Delivered administrative support to the partners. Prepared W-2s, 1099s, 1098s, sales and use tax returns, and extensions tangible tax returns (40 Hours A Week/FT).

Eliminated errors by reconciling bank accounts regularly.

Ensured thoroughness and accuracy of business and individual tax returns.

Served on the BDO Counts Committee for volunteerism. G.R. REID & ASSOCIATES, LLP GREAT NECK, NY 2015

TAX ADMINISTRATOR

Coordinated the processing and mailing of tax returns and financial statements. Exercised creativity when creating new client forms and files. Provided secretarial and administrative support to business partners (40 Hours A Week/Fulltime).

Minimized outstanding balances by processing payments on accounts receivable accounts.

Generated invoices, reviewed and validated invoices, and managed all billing processes. HARTFORD FUNDING, LTD. RONKONKOMA, NY 2013 – 2015 SENIOR LOAN PROCESSOR

Utilized knowledge to process FHA, conventional, reverse, VA, and 203K mortgages. Assessed and verified borrower’s income, credit reports, employment history, property appraisal, and title insurance information to prepare the loan application for underwriting. Processed loans through DU and LP automated underwriting systems for approval / denial. Ordered appraisals, credit reports, VOEs, UCDPs, and FHA documents. Collaborated with borrowers, closing attorneys, title companies, and credit report companies (40 Hours a Week/Fulltime).

Ensured timely, judicious, and accurate processing of mortgages by supporting loan officers and underwriters.

Guaranteed the loan complied with DTI guidelines by calculating the borrower’s income. ACADEMY MORTGAGE CORP. FARMINGDALE, NY 2013

JUNIOR UNDERWRITER / SENIOR LOAN PROCESSOR

Gathered required documentation to process FHA and conventional mortgage applications. Verified income, credit reports, employment history, title insurance information, and property appraisals for underwriting. Utilized DU and LP automated systems to process loans. Ensured all appraisals, credit reports, VOEs, UCDPs, and FHA documents were ordered and processed. Corroborated with borrowers, closing attorneys, title companies, and credit reporting companies (40 Hours A Week/Fulltime).

Confirmed all required information was received and the loan is properly disclosed to the borrower.

Complied with DTI guidelines while calculating the borrower’s total income for the loan application. GRASSI & COMPANY CPA’S JERICHO, NY 2010 – 2013

TAX COORDINATOR / EXECUTIVE ASSISTANT

Served as the primary point-of-contact for the entire tax department. Supported the tax preparers, tax managers, and tax partners. Coordinated the processing and mailing of tax returns. Maintained the GoFile Room. Oversaw the qualification, transmission, and verification of e-filed returns and rejections. Ensured deadlines were met by generating and distributing spreadsheets of tax returns and extensions (40 Hours A Week/Fulltime).

Matched tax professionals with various tax preparation assignments within their scope of expertise.

Managed and supervised the daily duties and projects of all interns.

Mentored and trained all team members within the NYC location.

Educated five interns per tax season on company policies and procedures. BISCOTTI, TOBACK & COMPANY CPA’S GARDEN CITY, NY 2009 – 2010 ADMINISTRATIVE ASSISTANT

Coordinated tax processing and mailing of returns. Expedited tax return preparation by scanning documents into ProSystem Engagement. Organized and setup seminars and annual tax workshops for partners via Outlook calendars. Compiled information to create letters and emails for the Internal Revenue Service. Provided administrative support to various divisions encompassing answering phones, assisting visitors, and resolving administrative problems and inquiries (40 Hours A Week/FT).

Reduced errors by proofreading financial statements created for accuracy prior to presentation to the client. EVOLUTION MORTGAGE HAUPPAUGE, NY 2006 – 2008

JUNIOR UNDERWRITER / SENIOR LOAN PROCESSOR

Obtained information from borrowers to process conventional mortgage applications. Analyzed and verified income, credit reports, employment, property appraisal, and title insurance information for underwriting. Utilized DU and LP automated systems to process loan requests. Ensured loans complied with DTI guidelines by calculating the borrower’s income. Communicated with borrowers, title companies, credit report companies, and closing attorneys throughout the loan process

(40 Hours A Week/Fulltime).

Submitted client files to Wells Fargo, Flagstar, US Bank, and Cole Taylor for approval.

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NOTE: ADDITIONAL EXCELLENT EXPERIENCE AS A MORTGAGE ASSOCIATE AND MORTGAGE BANKING REPRESENTATIVE. DETAILS FURNISHED UPON REQUEST.

PROFESSIONAL DEVELOPMENT/EDUCATION

Sales Associate – 63-hour Course, Gold Coast School of Real Estate, 2018 Quickbooks with Computerized Accounting, Hunter Business School 2008 14 CPE Credits in Accounting VOLUNTEER – EXECUTIVE BOARD MEMBER AT UNITED CIVIC ORGANIZATION, VICE PRESIDENT AT WINDSOR L CONDOMINIUMS, TUTOR FOR PALM BEACH LITERACY

TEMPORARY ENGAGEMENTS

ECKHARDT & COMPANY, PC/OFFICE MANAGER/PUBLIC ACCOUNTING JAN-APRIL 2019 APPLEONE EMPLOYMENT AGENCY/TEMP ENGAGEMENT NOV-DEC 2018 ADMINSTRATIVE ASSISTANT

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