Rosy Perez
Austin,TX
Summary
Energetic and detail-oriented, bringing solid understanding of financial principles and strong organizational skills to the table. Proficient in data entry and office software, with a strong ability to handle multiple tasks efficiently. Capable of contributing to any team's success by ensuring accurate documentation and smooth loan processing. I have developed strong analytical and organizational skills from working in fast-paced financial environments, including Banking, Construction and Mortgage Lending and Private Trusts. I am proficient in using financial and lending software as well as handling complex data with accuracy. I am currently seeking to leverage these abilities in a new position and contribute to a dynamic team.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Production Associate/Mortgage Loan Processor
Legacy Mutual Mortgage
04.2021 - 01.2023
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Worked with customers via telephone and email to answer questions, process transactions, and resolve issues.
- Set up files using loan officer checklist and submitted on-time for processing.
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Set up and completed loan submission packages.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Conducted credit analyses on applicants to assess risk levels prior to approval decisions.
- Handled any conditions sent from underwriting departments.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Coordinated with third-party vendors for appraisals, title searches, and other necessary reports required for loan approval.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
- Managed multiple priorities simultaneously while consistently meeting deadlines for loan closings and disbursements.
Trust Administrative Assistant II
Frost Bank
12.2019 - 01.2021
- Handling day-to-day operations of individual trusts, including data entry into accounting systems, account reconciliation, maintaining detailed transaction records, generating financial reports, preparing statements, and performing other clerical functions as directed.
- Collaborated with legal, tax, and investment teams to ensure optimal management of trust assets.
- Opening of the trust relationship by completion of a thorough review of all trust documents including Wills, Trust agreements, Survey Reports, Deeds, Leases and Mortgages.
• Assisted in preparing presentations to the Trust Administrative Committee (TAC) of all trust accounts and assets. - Coordinated with outside CPA firms for the preparation of annual U.S. Fiduciary Income Tax Returns and Form 1041s.
- Processing payments to and from trust accounts, including distributions to beneficiaries, expense payments, and investment transactions.
- Maintained organized files of trust documents, including legal agreements, investment records, and correspondence.
- Regularly reconciling trust account balances, identifying discrepancies, and resolving issues.
- Accurately inputting trust account information into spreadsheets, maintaining detailed transaction logs, and updating client records.
- Answering beneficiary inquiries regarding trust accounts, providing updates on transactions, and coordinating communication with the trust officer.
- Generating periodic financial reports for trust beneficiaries, including account summaries, income statements, and distribution schedules.
- Completing administrative duties such as scheduling appointments, managing calendars, and preparing meeting materials.
Administrative Assistant
ATMOS International, Inc.
06.2018 - 11.2019
- Assisted with human resources tasks such as updating employee files or submitting time-off requests per company policy guidelines.
- Assisted in onboarding new employees, providing training materials, and coordinating orientation schedules to ensure a smooth integration into the team.
- Supported executive staff through scheduling meetings, coordinating travel arrangements, and preparing crucial documents.
- Organized office events such as holiday parties or team-building activities, promoting a positive company culture and boosting employee morale.
- Managed expense reports for executive staff members, ensuring accurate documentation of spending for budgeting purposes.
- Maintained inventory of office supplies and placed orders.
- Managed filing system, entered data and completed other clerical tasks.
- Managed phone and email correspondence and handled incoming and outgoing mail and faxes.
- Assisted coworkers and staff members with special tasks on daily basis.
- Completed forms, reports, logs, and records to quickly handle all documentation for human resources.
- Prepared assigned vendor invoices for payment and submittal for workflow approval through various invoicing portals and AP invoice accounts.
- Obtain proper information and data regarding invoice payment.
- Electronically deposit checks and distribute direct deposit notifications.
- Filed monthly, quarterly, semi-annual and annual State Sales Tax where applicable per each state and their state requirements.
- Act as a back-up to the Accounts Payable Manager when needed.
• Maintain and update vendor files.
Loan Administrative Assistant III
Northrim Bank
07.2011 - 09.2017
- Provide administrative support in the production and management of all loan types originated by the Residential Construction Loan department.
- Managed communication between borrowers, lenders, and internal teams to ensure smooth progression throughout the entire lending process.
- Assisted customers in understanding complex financial concepts related to their loans, fostering trust and rapport through clear explanations tailored to individual needs.
- Assisted in reducing loan approval time by accurately reviewing and verifying applicant information for compliance with lending policies.
- Provided excellent customer service during the loan process, from initial inquiry to closing, ensuring a seamless experience for clients.
- Assisted Loan Officers in obtaining all necessary supporting loan documentation, preparing Loan Disclosures, reviewing Loan Packages for detailed accuracy, and funding loans in a timely manner, all while adhering to Bank and Department policies and procedures.
- Set up files using loan officer checklist and submitted on-time for processing.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
- Communicated with customers daily to request information and complete paperwork.
- Assembled important paperwork and disclosures for borrower.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Reviewed and validated details of loan applications and closing documentation.
- Ordered information such as credit reports, environmental assessments, flood searches, UCC searches and property appraisals.
- Coordinated with a third party inspector to complete monthly property inspections for accurate property completion percentages.
- Reviewed and completed all draw requests (40-60 at once) per completion percentage of project from inspection reports.
- Coordinated with Insurance Companies, Title Companies, Appraisers, Bank Attorneys, CPAs, and other third party vendors to insure every step of the loan process is completed and ready to close by the date executed on the contract.
- Calculated interest to provide mortgage and title companies with accurate up-to-date payoff quotes.
- Planned and coordinated logistics and materials for board meetings, loan committee meetings and staff events.
- Daily general office support including; ordering supplies, managing department budget, receptionist relief, notarizing documents, copying/scanning documents, answering incoming calls and recording accurate messages, managing the Construction Loans inbox and responding to emails.
Floating Bank Teller
Northrim Bank
12.2010 - 06.2011
- Managed high volumes of transactions efficiently, maintaining a strong focus on accuracy and speed without sacrificing customer service quality.
- Provided exceptional service for clients across various branches, adapting quickly to new environments and systems as a floating teller.
- Strengthened relationships with customers by delivering friendly, personalized service during every interaction.
- Balanced cash drawer at the end of each shift, ensuring accurate records and minimizing discrepancies.
- Increased cross-selling success through comprehensive knowledge of bank products and services, effectively matching customer needs with appropriate solutions.
- Assisted branch managers in maintaining optimal cash levels, ensuring sufficient funds were available for daily operations.
- Maintained strict confidentiality of customer information, adhering to industry best practices for data security and privacy.
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Disbursed cash and checks accurately while maintaining security of cash drawers.
- Answered telephone inquiries on checking and savings accounts, loans, and lines of credit.
- Monitored and reported suspicious activity in line with bank security policies.
- Identified sales opportunities and referred customers to branch partners in financial services.
- Executed wire transfers, stop payments and account transfers.
- Monitored and verified suspicious activity on customer accounts.
- Performed account maintenance by closing out accounts and changing customer addresses.
- Organized, stocked, and maintained teller window area to ensure cleanliness and professionalism.
Education
High School Diploma -
West High School
1700 Hillcrest Drive, Anchorage, AK05.2008
Skills
- Efficient multitasking
- Computer skills
- Pipeline management
- Document review
- Appraisal review
- Financial document review
- Information verification
- Title examination
- Data entry
- Customer communication
- Customer service
- Microsoft office
- Deposit and payment collection
- Organizational skills
- Attention to detail
Certification
Certificate from the University of Anchorage Alaska for successfully completing Analyzing Financial Statements
Certificate from the American Bankers Association for successfully completing Accounting 101
Certificate from Legacy Mutual Mortgage for successfully completing Mortgage Foundations
Timeline
Production Associate/Mortgage Loan Processor
Legacy Mutual Mortgage
04.2021 - 01.2023
Trust Administrative Assistant II
Frost Bank
12.2019 - 01.2021
Administrative Assistant
ATMOS International, Inc.
06.2018 - 11.2019
Loan Administrative Assistant III
Northrim Bank
07.2011 - 09.2017
Floating Bank Teller
Northrim Bank
12.2010 - 06.2011
High School Diploma -
West High School
Certificate from the University of Anchorage Alaska for successfully completing Analyzing Financial Statements
Certificate from the American Bankers Association for successfully completing Accounting 101
Certificate from Legacy Mutual Mortgage for successfully completing Mortgage Foundations
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