Cristina Trujillo
SAN TAN Valley,AZ
Summary
Manages high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills.
Overview
11
11
years of professional experience
Work History
Mortgage Loan Processor
PNC Financial Services
06.2021 - 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.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Reviewed and validated details of loan applications and closing documentation.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
QA Specialist
ADP
10.2018 - 12.2019
- Recorded findings of inspection process, collaborating with quality team to implement corrective actions.
- Fixed identified issues to improve workflows.
- Updated inspection journals and daily summary logs with quality-related data.
- Educated employees on specific QA standards and confirmed maintenance of standards.
- Provided regular updates to team leadership on quality metrics by communicating consistency problems or production deficiencies.
- Monitored product standards and quality-control programs.
- Reported problems and concerns to management.
- Collected and analyzed data to measure effectiveness of quality control processes.
Bankruptcy Specialist
Ditech Financial Services
03.2016 - 10.2018
- Collaborated with attorneys and other legal personnel on bankruptcy documentation reviews, making necessary corrections.
- Filed documents with bankruptcy courts within expected timeframes to prevent delays.
- Developed professional relationships with bankruptcy attorneys, trustees, other legal counsel and bankruptcy court personnel.
- Appropriately followed up with attorneys and bankruptcy trustees to avoid bankruptcy delinquencies.
- Analyzed deeds of trust to verify grantor, grantee, trustee and loan amounts for executive leadership.
- Reviewed, edited and proofread litigation for proper grammar, spelling and punctuation.
- Conducted background investigations on defendant.
- Researched and analyzed legal issues and cases to provide accurate advice to clients.
- Prepared various exhibits for attorneys for public meetings, zoning commission meetings, and legal resolutions.
- Collaborated with attorneys to develop strategies for each case.
- Revised and finalized letters, briefs, and memos.
- Reviewed Deed of Trust, Title Commitment and prior bankruptcies documents.
Foreclosure Specialist
Ditech Financial Services
06.2014 - 03.2016
- Reviewed loan and foreclosure documents and verified for accuracy.
- Evaluated and examined files with management prior to foreclose sale date to formulate bidding instructions.
- Identified and researched any discrepancies in financial documents.
- Maintained and updated all portfolios by state given by foreclosure management.
- Gathered information regarding lien payoff amounts, tax data and credit standing.
- Evaluated foreclosure litigation paperwork, affidavits and post-sale documents.
- Performed proper calculations and prepared payoff figures.
- Restructured loans to provide options for eligible candidates following foreclosure.
- Entered figures using 10-key calculator to compute data quickly.
- Reduced financial discrepancies, effectively reconciling bank accounts and organizing information into accounting software.
- Maintained account accuracy by reviewing and reconciling checks monthly.
Property Preservation Specialist
Green Tree Financial
10.2013 - 06.2014
- Kept properties in compliance with local, state and federal regulations.
- Communicated effectively with owners, residents, and on-site associates.
- Implemented and enforced policies and procedures to maintain properties to highest standards.
- Delivered emergency 24-hour on-call service for tenants on building issues.
- Conducted regular inspections of both interior and exterior of properties for damage.
- Monitored and tracked payments and expenses, providing timely and accurate financial reports.
- Coordinated appointments to show marketed properties.
- Responded to Common Area Maintenance (CAM) inquiries.
Leasing Consultant
MEB Management
06.2012 - 10.2013
- Greeted clients, showed apartments, and prepared leases.
- Verified tenant incomes and other information before accepting lease applications.
- Assisted prospective tenants in paperwork completion and other logistics to facilitate smooth move-in processes.
- Responded to messages and inquiries from various parties and used well-developed active listening and open-ended questioning skills to promote quick issue resolution.
- Responded to requests and scheduled appointments for property showings.
- Inspected properties before and after new tenant move-ins to schedule maintenance, cleaners, and other services.
- Conducted property showings to highlight features, answer questions, and redirect concerns to close contracts.
- Collected rent and tracked resident payments and information in computer system.
- Distributed and followed up on tenant renewal notices.
- Kept records accurate, detailed and fully compliant with reporting requirements to meet state, local, and federal housing requirements.
- Resolved conflicts between tenants regarding noise, encroachments, and parking.
- Registered clients on database to enable tracking history and maintain updated records.
- Distributed flyers to raise awareness of properties and attract more tenants.
- Communicated effectively with owners, residents, and on-site associates.
- Generated leads for sales and rental properties through cold calls and referrals.
- Implemented and enforced policies and procedures to maintain properties to highest standards.
- Introduced and monitored effective lease renewal programs to maintain high occupancy rates.
- Coordinated appointments to show marketed properties.
- Conducted regular inspections of both interior and exterior of properties for damage.
Education
Bachelor of Science - Business Administration
University of Arizona
Tucson, AZ06.2024
Associate of Applied Science - Paralegal
Maricopa Community Colleges - Rio Salado Community College
Tempe, AZ05.2017
Skills
- Principal, Interest and Payment Calculation
- Closing Documentation
- Interviews
- Microsoft Office
- Generating Reports
- Legal Documentation
- Mortgage Closing Scheduling
- Legal Compliance
Timeline
Mortgage Loan Processor
PNC Financial Services
06.2021 - Current
QA Specialist
ADP
10.2018 - 12.2019
Bankruptcy Specialist
Ditech Financial Services
03.2016 - 10.2018
Foreclosure Specialist
Ditech Financial Services
06.2014 - 03.2016
Property Preservation Specialist
Green Tree Financial
10.2013 - 06.2014
Leasing Consultant
MEB Management
06.2012 - 10.2013
Bachelor of Science - Business Administration
University of Arizona
Associate of Applied Science - Paralegal
Maricopa Community Colleges - Rio Salado Community College
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