Anne De La Torre
Miami,FL
Summary
Accomplished Loan Officer dependable in building customer base and exceeding business goals. Well-versed in loan products and customer engagement strategies. Pursues opportunities to build connections, increase bank revenue and cement loyalty.
Overview
10
10
years of professional experience
Work History
Licensed Mortgage Loan Originator
Trust Lending
05.2022 - Current
- Worked with underwriters to fix application problems and resolve issues.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Explained different types of loans pertaining to client situations.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Negotiated loan terms and conditions with clients to maximize profitability.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Developed and maintained relationships with customers, lenders and other third parties.
- Explained very technical financial information to applicants in easy to understand language.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
Mortgage Loan Processor
DB Florida Realty
01.2022 - Current
- Handled any conditions sent from underwriting departments.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Set up and completed loan submission packages.
- Communicated with originator and applicant concerning progress of loan file.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Prepared file for final clear-to-close by branch management.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Reviewed and validated details of loan applications and closing documentation.
Property Accountant
Stiles
05.2016 - 04.2019
- Prepare monthly, quarterly and year end GAAP financial statements
- Prepare Annual Budget
- Prepare interim and year end PBC binder for internal auditors
- Prepare reconciliations pertaining to all Balance Sheet accounts
- Fixed Asset Module (Depreciation, Disposal, Modifications, Additions, etc.)
- Prepare CAM reconciliations on a yearly basis
- Prepare Footnote Disclosures
- Responsible for monthly, quarterly and annual bank reconciliations
- Responsible for all prepaid accounts
- Prepare and submit Florida Sales Tax Return.
Property Accountant
Hines
10.2015 - 05.2016
- Prepare monthly, quarterly and year end GAAP financial statements
- Prepare Annual Budget
- Prepare interim and year end PBC binder for internal auditors
- Prepare reconciliations pertaining to all Balance Sheet accounts
- Fixed Asset Module (Depreciation, Disposal, Modifications, Additions, etc.)
- Prepare CAM reconciliations on a yearly basis
- Prepare Footnote Disclosures
- Prepare and enter into the system all necessary schedules pertaining to leases
- Update and work on Revenue Model, WAO Model and OER Model
- Responsible for monthly, quarterly and annual bank reconciliations
- Responsible for all prepaid accounts.
Staff Property Accountant
Hines
01.2014 - 01.2015
- Work with 11 buildings and 100+ tenants
- Responsible for Accounts Payable and Accounts Receivable
- Responsible for cash receipts and journal entries
- Responsible for monthly, quarterly and annual bank reconciliations
- Responsible for all prepaid accounts
- Responsible for preparing and entering into the system all necessary schedules pertaining to leases
- Prepare reconciliations pertaining to all Balance Sheet accounts
- Help to prepare Annual Budget
- Prepare CAM reconciliations on a yearly basis
- Address and resolve non-routine, complex and unexpected variances
- Prepare and submit Florida Sales Tax Return
- Prepare Balance Sheet Reconciliations
- Comply with SOX guidelines
- Investigate and resolve discrepancies in monthly bank accounts while under tight deadline.
Education
B.S Accounting -
University of Phoenix
A.A Accounting -
University of Phoenix
MLO - Mortgage Loan Originator
Gold Coast Schools
Miami, FL03.2022
Skills
- Fluent in Spanish and English
- Loan Portfolio Monitoring
- Complaint Handling
- Financial History Analysis
- Residential Mortgage Lending Regulations
- Financial Analysis
- Relationship Selling
- Negotiation Tactics
- Sales Forecasting
- Income Evaluation
- Loan Feasibility Assessment
- Creditworthiness Determination
- Property Evaluation
- Automated Underwriting System (AUS)
- Analytical and Critical Thinking
- Oral and Written Comprehension
Languages
Spanish
Native or Bilingual
English
Full Professional
Timeline
Licensed Mortgage Loan Originator
Trust Lending
05.2022 - Current
Mortgage Loan Processor
DB Florida Realty
01.2022 - Current
Property Accountant
Stiles
05.2016 - 04.2019
Property Accountant
Hines
10.2015 - 05.2016
Staff Property Accountant
Hines
01.2014 - 01.2015
B.S Accounting -
University of Phoenix
A.A Accounting -
University of Phoenix
MLO - Mortgage Loan Originator
Gold Coast Schools
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