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Administration, Managment and Mortgage lending industry

Location:
Miami, FL
Salary:
open
Posted:
September 16, 2009

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Resume:

MYRIAM GONZALEZ

Miami, FL *****

Cell- 305-***-****

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

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PROFESSIONAL PROFILE AND OBJECTIVE

The opportunity to demonstrate and apply my skills, education and accomplishments in the real estate industry that will result in increasing revenue, efficiency, and profitability for my employer. Demonstrated accomplishments in property management, sales, marketing, office efficiencies, leasing, loan processing, loan underwriting, human resources, and budget administration.

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EMPLOYMENT

Director of Processing 2004 - 2009

IFG Mortgage, LLC a Correspondent Lender Coral Gables, FL 33134

• Supervised, support and trained the business sales activity of originators and loan processors.

• Back office decision making to generate reports and assists in budget preparation and control activities.

• Assist in the preparation of reports regarding operations, personnel and sales activities.

• Responsible for the processing and pre-underwriting of all loan volume. Including extensive investigation into client’s financial histories; assessed credit worthiness; loan pre-qualifying, placing, submission, closing, and post-closing and authorized credit limit by conducted extensive investigation into Lenders guidelines.

• Knowledge of reviewing title legal documents, appraisal and doing closing for selective borrowers.

• Developed and implemented a campaign to retain and provide great services to existing customers

• Able to handle a variety of situation and conflicts involving clerical and administrative function of the office.

• Responsible for confidential and time sensitive materials.

• Ability to multi-task and interface with all levels of management.

Loan Processor Supervisor /Team Leader/Office Manager 1998 - 2004

The Mortgage Force a Correspondent Lender Coral Gables, FL 33146

• Supervised loan processors and supported thirteen loan officers.

• Restructured company’s administration processes in order to maximize efficiency and eliminate back logs.

• Assist Owner in relief of administrative type of functions in order to increase his productivity.

• Implemented and systematized sales calls to pre-qualified potential buyers based on their credit scores, income, and available assets.

• Underwrite & Pre-qualified borrowers using the criteria of the most appropriate loan programs available. This included searching Fannie Mae, Freddie Mac, and Non-Conforming products.

• Serve as liaison for the loan officers regarding a loan transaction sale outside the office.

• Supervised and requested appropriate documentation from loan officers to gather from prospective borrowers.

• Experienced in processing and closing Hard Equity and Construction Loans.

Property Manager 1996 – 1998

Romes Properties II, Professional Office Leasing Coral Gables, FL 33146

• Developed and implemented a campaign to retain and provide exceptional services to existing customers.

• Resolved administrative issues related to purchasing materials, personnel, facilities and bldg. operations.

• Prepared routine correspondence letters, memoranda and reports.

• Reviewed and monitor invoices and expenses reports

• Balanced company’s checking book account.

• Responsible for confidential and time sensitive materials.

• Supervised daily business budget, cost and operations.

• Negotiated with contractors in order to minimize build out costs for Tenant improvements.

• Negotiated and complete leases for prospective tenants.

• Supervised new interior construction; implemented measures to decrease construction cost.

• Advise owner on opportunities and actions to improve profitability and review operating costs.

EDUCATION

• Completed Loan Modification Seminar 2009

• Completed Mortgage Compliance Seminar & FHA Processing Seminar 2007

• Completed Required Course in Mortgage Brokerage & Real Estate Licensing 2004

• Courses in Advance Loan processing and Underwriting I 2002

• Miami Dade Community College - Associate Degree in Office System Technology 1994-1996

OTHER

• Proficient in Word, Excel, Calyx, Encompass and Website navigator, Outlook

• Typed 50-65

• Accomplished Negotiator

• Fluent in English and Spanish.

• References upon request



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