CAREN SALOME MORENO

Alto Capital is a private lender focused on maintaining a strong long-term loan portfolio through both purchases and refinances.

• Contacted local and international clients to guide them through long-term mortgage options.
• Sent loan quotes with long-term terms
• Submitted complete loan files to the assigned lender.
• Worked on satisfying all lender conditions and followed up on pending requirements.
• Requested third-party documents including title reports, payoffs, Verifications of Mortgage (VOMs), and more.
• Coordinated closing with title companies, borrowers, and internal teams.
• Verified the HUD-1 or CD was accurately balanced before closing.
• Completed post-closing review and properly archived all loan documents.
• Ensured the client felt supported and informed throughout the entire process

• Reviewed and verified all documentation provided by clients, ensuring accuracy and compliance with lending requirements.
• Analyzed proof of funds to confirm eligibility and sufficient assets for the transaction.
• Credit report verification (local), personal document review, and online profiling to assess borrower risk and compliance.
• Verified receipt of Earnest Money Deposit (EMD) in purchase transactions.
• Submitted complete loan files to the appropriate lender based on client profile, ensuring optimal lender-client matching.
• Worked closely on satisfying all lender conditions, coordinating efficiently with clients, underwriters, and third parties.
• Followed up on required third-party documents including title reports, homeowners insurance, and HOA certifications.
• Verified accuracy of the final Closing Disclosure (CD) and ensured HUD-1 was balanced correctly prior to closing.
• Coordinated and scheduled closings with title companies, clients, and other relevant parties.
• Organized and archived all post-closing documentation in compliance with internal and legal standards.

• Contacted international and local clients interested in obtaining a mortgage loan, providing initial guidance and information about the process.
• Quotes and preliminary budget estimates based on client profiles and financing needs.
• Collected and organized all necessary documentation required for the mortgage application process
• Opened and maintained client files in Point software, keeping a detailed and updated history of each case.
• Requested and followed up on additional documents, including title reports, homeowners insurance, and other required verifications to complete the loan file.

• Provided customer service and support to both corporate and individual clients, ensuring high-quality assistance and issue resolution.
• Presented insurance products tailored to clients’ specific needs and business profiles.
• Managed and maintained accurate documentation for policy issuance and client records.
• Supported internal processes for policy issuance in compliance with company procedures.
• Verified insurance coverages and ensured all required documentation was complete and up to date.
• Prepared and monitored monthly sales and budget planning.
• Coordinated dispatch and delivery of policies, ensuring timely and accurate distribution.