To find a position within a major bank, lending institution or residential mortgage industry A position utilizing excellent customer service, effective communication and strong analytical skills Adept in areas of Mortgage Residential Lending Strong Mortgage processing experience Familiar with FHA /HUD Guidelines Advanced data entry skills Strong written and verbal communications skills Proficient in Calyx, Point, MS Word, Excel, Outlook Bilingual skills English-Spanish
Strong organizational skills
Sharp problem solver
Adaptive team player
Customer service expert
Large cash/check deposits expert
Computed Data Reports
Provided required weekly, monthly and quarterly reports listing sales figures and client track records.
Researched, calmed and rapidly resolved client conflicts to prevent loss of key accounts.
Greeted customers upon entrance and handled all cash and credit transactions.
Assisted customers over the phone regarding store operations, product, promotions and orders.
Loan Reviewer II February 2012 to January 2013Claim Process Reviewer II, BANK OF AMERICA － West Lake Village, CA
Responsible for preparing and reviewing mortgage files, validate accuracy of the fees and/or penalties assessed, whether or not loss mitigation procedures were correctly executed within applicable state and federal laws.
Conduct a complete review of the file to ensure all default timeframes were processed accurately.
Review to determine if ownership of the note and mortgage was properly documented when foreclosure proceedings were initiated and document any exceptions.
Customer Assistance Operations Analyst November 2011 to May 2012CHASE HOME LENDING － Wadsworth, CA
Analyze borrower request for assistance in workout options depending on borrower's intent to retain or liquidate the property and follow policy guidelines.
Responsible to negotiate and close optimal outcomes with customers.
Facilitate resolution for delinquent customers.
Gather information, document requests, financial analysis and handle inbound calls.
Mortgage Loan Processor July 2011 to November 2011LOS ANGELES POLICE FEDERAL CREDIT UNION － Van Nuys, CA
Responsible for coordinating the processing and closing of all real estate loans including first mortgage purchases and refinances, second trust deed home equity loans and home equity lines of credit.
Managed loans from inception to funding of loan.
Loan Purchaser November 2010 to March 2011 BANK OF AMERICA － West Lake Village, CA
Position involves detailed analysis of loan files, data entry and follow up work including tracking down missing information and communicating with internal agencies to prepare loan files for secondary market (investor) sales.
Loan Officer-Residential January 2001 to November 2009SOUTHERN CALIFORNIA FUNDING － Laguna Hills, CA
Effectively handle all aspects of the lending process, from origination through close of escrow.
Assist loan processors with escrow and tile searches.
Review and validate funded and brokered loans for completeness and accuracy.
Approve initial conditions and income for clients information.
Accountable for correct drawing of documents, funding dates and shipping packages.
Home Loan Consultant / Loan Processor June 1996 to August 2001COUNTRYWIDE HOME LOANS － Irvine, CA
Prepared and approved New Home loans, Second Mortgages, Refinances and Lines of Credit.
Reviewed andprocessed loan documents in conformance with State and Lender specifications.
Ordered credit reports, flood certifications, title, escrow and appraisals.
Met with clients to sign and notarize loan documents; interpreted for Spanish clients.
Interfaced with brokers, escrow and title companies on loan status and acquired any additional documentation needed.
Loan by Phone Specialist February 1991 to May 1996BANK OF AMERICA － Brea, CA
Pre-qualified and served as initial point of contact to inbound phone calls for Loan Center.
Quoted loan rates, approved by telephone and forwarded loan information to loan processing unit for follow up.
Planned and performed all aspects of new business prospecting and development, with emphasis on maintaining long term relationships with Realtors, contractors, homeowners; to effectively market and sell Real Estate products.
Assisted 7 regional branches with translation for Spanish speaking customers.
Select One : Accounting and Finance coursesUCLA － Los Angeles, CA., Los Angeles
GED : Loan Documentation,/Cr. AnalysisAmerican Institute of Banking － Los Angeles, CA, Los Angeles
Associates Degree : Architectural DesignColombia National University － Los Angeles, Cundinamarca, Colombia
California Real Estate Agent License, Completed Appraiser Trainee classes, Notary Public License
Cash handlingProfessional and friendlyCareful and active listenerMulti-tasking, Data entry, Documentation