Bernadine Ruiz
Walnut Creek,CA
Summary
Professional Summary of Qualifications
Highly skilled and dedicated loan servicing professional with 15+ years of experience in efficiently managing diverse loan portfolios. Demonstrated expertise in providing exceptional customer service, ensuring compliance with regulatory requirements, and optimizing loan processes for maximum efficiency. Proven track record of meeting and exceeding performance targets while maintaining a strong focus on accuracy and attention to detail. Possess in-depth knowledge of loan products, industry best practices, and the ability to navigate complex loan servicing systems. Strong analytical and problem-solving skills with a commitment to delivering results in fast-paced and dynamic environments. Excellent communication and interpersonal abilities, fostering positive relationships with clients, colleagues, and stakeholders at all levels. Adept at multitasking, prioritizing tasks, and adapting quickly to changing priorities and challenges. Committed to delivering exceptional service and contributing to the success of both borrowers and the organization.
Overview
22
22
years of professional experience
Work History
Escrow Assistant
Stewart Title
11.2021 - Current
- Completed over 100 real estate escrow transactions by determining requirements; clearing titles; assembling, preparing, and reviewing closing documents; disbursing funds
- Ordered title reports for issuing title insurance, resolving title defects; satisfying existing liens and encumbrances against property or principals and ordered payoffs
- Achieved over 75 closing transaction documents, explained provisions and procedures, checked documents for completeness and accuracy, filing documents; preparing, distributing final closing statements
- Closed escrow account by balancing and disbursing funds
- Orchestrated buyers and sellers for notarization off all documents
Commercial Loan Servicing Specialist III
Cross County Mortgage
07.2020 - 11.2021
- Prepared collateral releases for all real estate loan portfolio
- Monitored and processed paid loan reports in accordance to established controls prior to releasing liens or collateral instruments
- Provided support to business lines by researching and resolving loan related issues or customer submitted requests
- Communicated with business lines regarding post-booking loan system matters, imaging, payoff requests, and loan maintenance inquiry related issues
- Navigated UCC Reports to ensure lien filings are continued, amended, or terminated in a timely manner to ensure Bank’s lien position is maintained during the life of the loan
- Monitored, reviewed, and submitted CoreLogic Tax Reports to business lines for further processing
- Audited and processed requirements for flood and hazard insurance certificates and policies prior to closing
- Responsible for complying with policies, procedures, security requirements, and government regulations
Operations Specialist
Colliers International Real Estate
08.2015 - 07.2020
- Partnered with Corporate, Marketing, IT, Operations and Accounting to ensure timely responses to projects and requests for information
- Assisted Operations Director on business continuity issues, such as emergency plans, participates in building “office ambassador” program
- Responsible for organizing specialty group and all-hands sales meetings
- Provided coordination for onboarding new hires
- Entered and maintain tracking of expenses related to deals, using Commissions Accounting and CRM Systems
- Arranged purchasing and maintenance of office supplies and office equipment (i.e
- Furniture, IT equipment, telephones, snack services, plants, etc.) by ordering through Workday, procurement, or outside vendors
Property Administrator
Colliers International Real Estate
06.2012 - 08.2015
- Processed and coding of all accounts payable invoices at the property per established schedules
- Ensured invoices are paid on time and review all past due invoices to ensure proper payment has been made
- Researched and requested appropriate back-up from vendor if necessary
- Processed rent statements to tenants in sufficient time according to accounting calendar
- Collaborated and maintained Certificates of Insurance; responsible for notifying tenants and vendors of expired COI's and COI requirements via letters
- Correlated spreadsheet of COI's and policy expiration
- Facilitated contracts for services at the property per the direction and input of the General Manager
- Completing assigned financial reporting tasks in support of client requirements
- Assisted the General Manager in preparation of the annual asset plan and budget
- Implemented in move-in/move-out processes and procedures
- Handled all tenant issues regarding maintenance or service requests quickly, passing along urgent matter to General Manager, when appropriate
Treasury Management Implementation Specialist
Wells Fargo
03.2005 - 05.2012
- Executed all new modification and cancelations of TM products and services including business online banking
- Monitored bank account activity and receipts for all company entities, including receiving and verifying financial payments from customers, clients, or employees
- Responsible for entering payments into online banking, creating wire transfers, and ACH entries
- Implemented our in-house Financial Shared Service Center platform (FSSC) to upload daily bank transactions and ensure timely updates of bank activities
- Maintained accurate financial records, reconcile discrepancies, and prepare daily or periodic financial reports
- Collaborated in managing electronic payment systems or credit card transactions
- Performed installation, training & troubleshooting of Remote Deposit Capture
- Managed Treasury clients with, Remote Deposit Capture, ACH, Wires and Positive Pay
- Supported online banking, mobile banking and Bill Pay
Senior Accounts Receivable Specialist/Client Account Coordinator III
Wells Fargo Practice Finance
07.2001 - 03.2005
- Accounted for sales volume and revenue growth of select existing client relationships to promote secure business accounts
- Ensured timely submissions of reports as directed by account manager
- Processed products including ACH, wire transfers, remote deposits, lock box, online products including e-commerce applications setups, and desktop deposit
- Participated in cross selling and the generation of referrals for other products and services
- Utilized client service applications such as Image view, Lease Plus, NLS, TValue, Salesforce, & MS Office
- Acted as a liaison between clients, bank operations, sales team, and vendors
- Balanced with general accounting on a daily basis with internal audit division
- Initiated sales opportunities through targeted external customer activities new business, consistent with marketing programs and product offerings using all client service tools available
- Prepared and reviewed invoices from vendors for completeness and accuracy including gathering and summarizing supplemental billing information to accommodate clients billing requirements
Skills
- MS Office, WinAIR Forms, MLS, WINFORMS, Yardi, Salesforce, RBJ (Escrow) Calyx Point, Lease Plus, E-Image, Lease Sales Manager (LSM), NLS, TValue, DocuSign, Encompass, DataTrac, DocMagic and Google Docs, Adobe Acrobat, WebEx, Skyslope, Transaction Point, ACT/Side Act, Address Grabber
Timeline
Escrow Assistant
Stewart Title
11.2021 - Current
Commercial Loan Servicing Specialist III
Cross County Mortgage
07.2020 - 11.2021
Operations Specialist
Colliers International Real Estate
08.2015 - 07.2020
Property Administrator
Colliers International Real Estate
06.2012 - 08.2015
Treasury Management Implementation Specialist
Wells Fargo
03.2005 - 05.2012
Senior Accounts Receivable Specialist/Client Account Coordinator III
Wells Fargo Practice Finance
07.2001 - 03.2005
Similar Profiles
Susan KhaSusan Kha
Policy Production Specialist at Western Title- Stewart Title (Remote)Policy Production Specialist at Western Title- Stewart Title (Remote)
Michael O'NeillMichael O'Neill
Title Examiner at Stewart Title Santa Fe/Formerly Prima Title, LLCTitle Examiner at Stewart Title Santa Fe/Formerly Prima Title, LLC
Rohan ChandanshiveRohan Chandanshive
Senior Software Engineer at Stewart TitleSenior Software Engineer at Stewart Title
Amit JhaAmit Jha
IT System Analyst at Stewart TitleIT System Analyst at Stewart Title
Od AyushOd Ayush
Busser/food Runner at Saused Bbq and SpiritBusser/food Runner at Saused Bbq and Spirit