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Click here or scroll down to respond to this candidateCandidate's Name
Street Address
PHONE NUMBER AVAILABLESUMMARY OF QUALIFICATIONSExcellent interpersonal and solving skills.Ability to understand and analyze financial statements and credit.Capable to assess borrowers creditworthiness consistent to regulatory and compliance fundamentals.Proven ability to achieve quality work providing productivity and compliance standards.Knowledge of negotiation and communication skills with business partners and customers.Proven ability to prioritize tasks.Extensive knowledge of conventional and governmental loans.Ability to exceed production and service standards to ensure quality.Ability to respond and assist customers with inquiries and problem resolution.Ability to learn new products, services and procedures quickly and accurately.Careful attention to detail and time management.Well organized and self-motivated individual who has the ability to learn in fast paced and high volume environments.WORK EXPERIENCELoan UnderwriterCabanillas & Associates, Union City, NJ, October 2015 to PresentAnalyze borrowers credit report, appraisal review, calculation of DIT, income and assets to determine risk levels.Ensure loan submissions met internal and external eligibility requirements and government guidelines.Evaluate borrower financial strength and repayment capacity to determine risk levels.Prepare financial analysis reports and mediation reports for litigation cases.Verify supporting documents following standard underwriting guidelinesContact borrowers and other parties to gather information and clarify inconsistent, incorrect or missing documents.Ensure confidentiality and privacy of files and appropriate staff access to information.Escalate urgent matters to review upcoming deadlines and monthly target numbers.Intake interviewing and processing of legal papersConducting legal research and gathering relevant information for the application process.Draft court papers to file client applications.Communicate extensively with clients regarding request for information, case status and procedures.Mortgage Loan ProcessorHudson City Savings Bank - Paramus, NJ February 2014 to September 2015Provide current customers with timely and periodic status of their loan application.Assure that all customers files were complete and compliant with regulatory agencies and internal policies.Ensure customer privacy, confidentiality of files and appropriate staff access to information.Contribute outstanding support to underwriters by ensuring timely, judicious, and accurate processing of mortgages,Provide efficient follow up with the internal and external staff through written or verbal communication.Prepare commitment, denial, withdrawn, and cancelation letters whenever necessary.Sales RepresentativeSales and Merchandise Services LLC - Secaucus, NJ May 2013 to January 2014Develop, increase and maintain company's wholesale market in our Tri-State area.Execute effectively the marketing sales plan, following company's policies and procedures.Provide guidance to all distributors and retailing inquires in order to ensure customer satisfaction.Assist and support the company with chain and convenient stores and new distributors.Promote and increase new channels of distribution for the company.Follow up client leads and work with prospective customers to maintain satisfaction scores.Client Service RepresentativeJP Morgan Chase Bank - Nutley, NJ Oct. 2011 to April 2013Perform sales, transaction processing, and customer service.Identify and refer new business opportunities to personal bankers.Handle branch operations such as vault control, cash handling, shipments, ATM cash control.Assist with branch staff to accomplish operations and sales goals.Customer Service SupervisorNew Jersey Legal Services - Paterson, NJ Oct. 2006 to August 2010Determine client's needs, advise and refer clients to the appropriate legal counselor.Provide guidance and support to existing clients.Ensure that proper procedures and policies were followed within our department.Conduct in person and over the phone interviews to ensure client's satisfaction.Inform lawyers and upper management of customer service trends and generated scores.Prepare correspondence, legal arguments and applications.Organize and track case files.Maintain and update law library.Check and edit legal forms for accuracy.Locate and interview witnesses.Translate at the court house.Maintain attorneys schedules and organize meetings, hearings, depositions and trials.Mortgage Servicing CoordinatorOpteum Financial Services - Paramus NJ Sept. 2004 to May 2006Coordinate mortgage servicing with local branches and support ongoing service request.Collaborate with internal and external vendors to accomplish service goals and standards.Cross-sell company products and services in order to increase profitability.Provide ongoing assistance during the mortgage process to assure customer satisfaction.Update projects and analyzed client servicing packages to ensure compliance with local laws and government standards.General Office ManagerGT Construction and Associates - Passaic, NJ Jan. 2002 to Aug. 2004Conduct customer service issues and project resources.Perform accounts payable and receivable.Maintain schedule of resources and planning of special projects.Accomplish account entry and general office work.Support project development and maintained inventory.EDUCATIONAssociate in Business AdministrationPassaic County Community College - 2009Business SystemsUniversal Tech Center - 2000Bachelor in Business AdministrationUASD University - 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