Almadelia Rios
San Antonio,TX
Summary
Dedicated mortgage professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand. Veteran loan servicer with top-level skills in processing, cash operations, and loan modifications. Likeable personality and customer-focused background coupled with expertise in a variety of mortgage/banking roles. Ready to tackle new challenges and build success with exciting organization.
Overview
9
9
years of professional experience
Work History
Loan Processor
Pentagon Federal Credit Union
San Antonio, Texas
09.2021 - 09.2022
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Handled any conditions sent from underwriting departments.
- Processed loans within various departments to achieve timely, accurate and fair proceedings.
- Coordinated closing process with attorneys, title companies and government clerks.
- Set up and completed loan submission packages.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Maintained long-term relationships with customers to provide best-in-class customer service.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Provided quick turnaround times to maintain fast-past schedule.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Monitored pipelines to track and log status of loans.
Research Remediation Specialist
Wells Fargo Home Mortgage
San Antonio, TX
01.2009 - 10.2016
- Complied with established internal controls and policies.
- Established and checked coding procedures, monitored reports and updated internal files.
- Validated existing accounting management and reporting systems to assess quality and conformance, identify problems and implement corrective actions.
- Strong numerical and analytical skills, good articulation and out of box thinking.
- Part of the Cash processing team that is accountable for timely and accurate processing of cash transactions such as posting incoming funds, outgoing funds, new loan funding, general ledger movements, internal fund movements, ground rent remittances, sub servicer payments, special servicer payments, check payments, vendor payments, disbursal of funds and approving funds.
- Responsible for making end of day deposits of mortgage payments.
- Reversed misapplied payments and applied the funds to the correct loan.
- Explained very technical financial information to applicants in easy to understand language.
- Assessed customer account histories to determine previous compliance with payment plans and loan terms.
- Exceeded goals through effective task prioritization and great work ethic.
- Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting.
- Worked to maintain outstanding attendance record, consistently arriving to work ready to start immediately.
- Developed team communications and information for meetings.
- Carried out day-to-day duties accurately and efficiently.
Education
Northwest Vista College
San Antonio, TXSkills
- Status Updates
- Loan Processing Coordination
- Mortgage Loan Software
- Financial Data Analysis
- Title Research
- Complaint Handling
- Government Standards
- Application Process Management
- Regulatory Compliance
- Error Research
- Customer Service
- Attention to Detail
- Teamwork and Collaboration
- Borrower Correspondence
- File Management
- Employment Verification
- Automated Underwriting Systems
- Payment Schedule Computation
- Credit Reports
- Customer Relations
- Bank Secrecy Act
- Data Entry
- Loan Modification
- Client Data Gathering
- Client Interviews
- VA and FHA Loan Processing
- File Organization
- Active Listening and Learning
- Oral and Written Comprehension
- Reading Comprehension
- Federal Statutes
- Encompass (Mortgage Software)
- MS Office
- Self-Motivated
- Decision-Making
- Excellent Communication
- Analytical and Critical Thinking
- Multitasking Abilities
- Teambuilding
- Flexible and Adaptable
- MSP(Black Knight) Mortgage Software
- ICMP (Mortgage Software)
- Outlook
- Teams
- Skype
- Experience working Remotely
Additional Information
I currently reside in San Antonio, TX but will be relocating to the Bakersfield, CA area end of October.
Languages
Spanish
Native or Bilingual
Timeline
Loan Processor
Pentagon Federal Credit Union
09.2021 - 09.2022
Research Remediation Specialist
Wells Fargo Home Mortgage
01.2009 - 10.2016
Northwest Vista College