Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Cristina Ruiz

Summary

Organized and reliable; successful at managing multiple priorities with a positive attitude. Highly proficient in building lasting relationships with key decision makers, customers and team members to further company goals. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.

Overview

2026
2026
years of professional experience

Work History

Contract Processor II

Holiday Inn Club Vacations Resort
11 2024 - Current
  • Checking in Deals/Proposals from sales agents; review accuracy & completeness for input and preparing contracts. Files types include but not limited to reloads, upgrades, refis, equity reloads, etc...plus more complex files (double, triple combinations) for timeshare ownership Resort Access/RCI purchases.
  • Strong attention to detail, verification of exchange information, owner usage, and preparing warranty deeds for all sites, and all other supporting documentation for property transfers, as applicable per site, and location.
  • Collaborating & Multi tasking with other departments & QOAs, for compliance, closing, and final Audit for corporate filing; in a fast paced environment, under extreme pressure.
  • Updating demographics, and financial information into system database, preparing and distributing daily dates and tour reports.
  • Daily Audit of several other reports including daily sales deposits and balance reconciliations, cash handling, volume, sales details, etc... and properly route action items.
  • Enhanced contract processing efficiency by streamlining workflows and implementing best practices.

Real Estate Agent

EXP Realty, LLC
10.2019 - 10.2024
  • Liaison between sellers and buyers to manage contracts, negotiations, and all aspects of sales by providing details and transparency to finalize purchases and exceed customer expectations.
  • Collaborated with Mortgage Lenders & Title agencies during transaction, including Title, Escrow, & ALTA Statements to resolve any hick ups for successful and timely closings, and ensure accuracy of all transaction documents.
  • Advertised client properties through social media, real estate guides, CRM Software, broker sales floor, networking events, open house events & new construction presentations, successfully converting leads into sales contracts.
  • Managed over 500+ Pipelines with KVCore, LionDesk CRMs for client prospecting, and follow up for Business Development.

Sr. Credit Analyst III/Underwriter Auto Finance

General Motors
08.2015 - 12.2018
  • Daily Review of 50+ Credit Applications for Auto Financing & Auto Leasing in Fast-Paced environment for Risk assessment/Worked with Lexus Nexus, Provenir queue & scoring model systems
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit, for quick decision under extreme pressure/deadlines
  • 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.

Credit Analyst/Underwriter Auto Finance

CPS
05.2013 - 08.2015
  • Auto Finance Credit Risk analysis & underwriting of application packages 80+.Daily
  • Maintained B2B Relationships with assigned region 's clientele/dealers
  • Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags, and over-all ability for loan consideration.
  • Structured Approved Loans based on company guidelines, programs & procedures, and presented results to clients verbally and in written form
  • Assessed credit risk and analyzed financial statements.
  • Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.

Loan Mitigation Specialist III/Mortgage Loan Processor

JPMorgan Chase, JPMorgan Chase & Co
10.2008 - 12.2012
  • Reached out to borrowers to discuss current status and loan workout options. Managed 100+ Pipeline Default Related Files
  • Assessed clients' financial data to determine loan suitability
  • Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
  • Handled any conditions sent from underwriting departments.
  • Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
  • Coordinated closing process with attorneys, title companies, and government clerks.
  • Prepared file for final clear-to-close by branch management.
  • Received on-going, comprehensive training on home loan products and mortgage process.

Education

Real Estate License -

ACRE Real Estate Academy
Orlando, FL

Associate Degree Accounting And Finance -

Florida State College At Jacksonville
Jacksonville, FL
08.2006

Diploma -

Orange Park High School
Orange Park, FL
01.2000

Skills

  • Credit Decisions/Judgemental Lending/Underwriting
  • Compliance with banking regulations/Document review
  • Microsoft office
  • Reliability
  • Critical thinking
  • Effective communication
  • Deadline oriented
  • Legal compliance
  • Teamwork and communication
  • Strong work ethic
  • Attention to detail
  • Problem-solving abilities
  • Bilingual English/Spanish Fluent Verbal and Written

Languages

Spanish
English

Timeline

Real Estate Agent

EXP Realty, LLC
10.2019 - 10.2024

Sr. Credit Analyst III/Underwriter Auto Finance

General Motors
08.2015 - 12.2018

Credit Analyst/Underwriter Auto Finance

CPS
05.2013 - 08.2015

Loan Mitigation Specialist III/Mortgage Loan Processor

JPMorgan Chase, JPMorgan Chase & Co
10.2008 - 12.2012

Associate Degree Accounting And Finance -

Florida State College At Jacksonville

Diploma -

Orange Park High School

Contract Processor II

Holiday Inn Club Vacations Resort
11 2024 - Current

Real Estate License -

ACRE Real Estate Academy

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Cristina Ruiz