Cristina Ruiz
Orlando,FL
Summary
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
15
15
years of professional experience
Work History
Real Estate Agent
EXP Realty LLC- Part Time
10.2019 - Current
- Increased property sales by implementing innovative marketing strategies and utilizing social media platforms.
- Negotiated favorable contract terms for clients, resulting in higher satisfaction rates and repeat business.
- Developed strong relationships with mortgage brokers, attorneys, and other professionals to streamline the home buying process for clients.
- Hosted successful open houses by preparing properties for viewing and effectively showcasing features to potential buyers.
Senior Credit Analyst
GM Financial
08.2015 - 12.2018
- Daily Review of 50+ Credit Applications for Auto Financing in a Fast-Paced environment for Risk assessment/Worked with Lexus Nexus, Provenir queue & scoring model systems.
- Enhanced portfolio performance through regular monitoring of credit exposure, industry trends, and market conditions.
- Conducted thorough financial statement analysis for accurate assessment of borrowers'' repayment capacity and financial health.
- Ensuring quality (QA) of every file by providing detailed justification of findings & decisions made according to GM guidelines & procedures.
- Attending weekly meetings for branch goals, reporting production updates, and continued strategizing.
Negotiator Specialist
CPS Auto Finance
05.2013 - 08.2015
- Auto Finance Credit Risk analysis & underwriting of application packages 80+.Daily
- Maintained B2B Relationships with assigned region 's clientele/dealers.
- Obtained copies of applicants' credit histories and reviewed financial documentation to determine feasibility of granting loans.
- Structured Approved Loans based on company guidelines, programs & procedures, and presented results to clients verbally and in written form.
- Contributed to meetings about training, operations and sales.
JPM Chase Bank
Loss Mitigation Specialist III
10.2008 - 01.2012
- Skilled at working independently and collaboratively in a team environment.
- Self-motivated, with a strong sense of personal responsibility.
- Managed time efficiently in order to complete all tasks within deadlines.
- Worked 100+ Pipelines of in default or foreclosure for possible work out programs and loan modification. Outbound and Outbound calls,
- Analyzed for financial documentation and loan documents, and determining property value, as well as credit review and modification applications to asses applicants' ratings.
- Worked several daily reports in Excel for different types of clients, or specialty , escalated accounts requiring immediate review.
- Daily and Weekly reporting of every single action throughout the day and weekly outcomes and status of pipeline
Education
License - Real Estate
ACRE Real Estate Academy
Orlando, FL09.2019
Associate of Arts - Finance, Accounting, Investments
Florida State College At Jacksonville
Jacksonville, FL08.2006
High School Diploma -
Orange Park High School
Orange Park, FL05.2000
Skills
- Contract Negotiation
- Market Monitoring
- Financing Requirements
- Tech-Savvy
- Accomplished in Commission Sales
- Clean Driving Record
- Fluent in [English & Spanish]
- Strong Organizational Skills
- Business Development
- Customer Service
- Innovative Marketing Strategist
Timeline
Real Estate Agent
EXP Realty LLC- Part Time
10.2019 - Current
Senior Credit Analyst
GM Financial
08.2015 - 12.2018
Negotiator Specialist
CPS Auto Finance
05.2013 - 08.2015
JPM Chase Bank
Loss Mitigation Specialist III
10.2008 - 01.2012
License - Real Estate
ACRE Real Estate Academy
Associate of Arts - Finance, Accounting, Investments
Florida State College At Jacksonville
High School Diploma -
Orange Park High School
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