Cynthia Rivera
Katy,TX
Summary
With nearly 5 years proven success in a fast-paced mortgage servicing environments, superior customer service and strong knowledge of mortgage regulatory, underwriting & compliance guidelines. Strengths include: Self Motivated, relationship management, coaching, implementation, marketing and product promotion. Seeking a career in that allows me to utilize my knowledge in an established company with opportunity for growth. Letter of reference from former Loan officers I assisted available upon request.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Loan Officer Assistant/Processor
Canopy Management, LLC
04.2024 - 05.2025
- Serve as an ongoing point of contact for clients, helping them collect required information and complete any necessary documents throughout the loan process
- Assist and coordinate internal parties involved in the loan application process, including mortgage loan officers, underwriters, and realtors
- Gather information for new loan underwriting, including credit reports, tax filings, business entity searches, and title work
- Ensure loan documentation complies with federal and state requirements
Mortgage Loan Originator Assistant
USA Mortgage
10.2020 - 01.2023
- Build and maintain and assist in maintaining all referral partner relationships.
- Assist with lead management.
- Manage my pipeline with Encompass.
- Identify and correct deficiencies with the 1003
- Run AUS/ DU
- Email and communicate with the borrower.
- Prepare the file for processing
- Clear conditions from the Under Writer
- Order titles
- Order appraisals
Franchise Account Manager
Christian Brother's Automotive Corporate
09.2017 - 11.2019
- Prepare and analyze financial statements.
- Perform month end closings in compliance with Ops guidelines.
- Bank and credit card reconciliations.
- Heavy G/L account reconciliation, including A/R, A/P, fixed assets and accruals.
- Preparing account analysis including reconciliation’s for specific G/L accounts for month end close.
- Answering inquiries and follow-up with franchisees over accounting issues and procedures.
- Preparing sales and use tax returns; analyzing related account balances.
- Reconciling financial discrepancies by collecting and analyzing account information.
- Avoiding legal challenges by complying with federal, state and local legal requirements.
- Performing inventory control reconciliation.
- Preparing property tax renditions.
- Manage various Intercompany billings, payables and reconciliations.
- Payroll assistance when required
Payroll Administrator
Westside Chevrolet Inc.
02.2007 - 07.2017
- Calculating wage increments, overtime payments and public holiday pay
- Issuing cash, cheques or bank transfers for employee payments, depending on the business
- Calculating and reviewing hours worked and time-sheets data.
- Maintaining, managing, and updating all data associated with payroll
- Wage, salary, and overtime calculation
- Updating schedules and salary sheets
- Preparing payroll reports and submitting them to the relevant personnel
- Clarifying payroll-related queries and addressing payroll-associated issues, if any
- Assisting a company’s finance department or other management-level staff with payroll processing of terminated and fresh hires
Education
High school diploma or GED - undefined
Business
University of Houston
Houston, TX12.2007
Skills
- Intermediate
- ADP
- Income verification
- Loan document collection
- Microsoft Outlook
- Spanish
- Negotiation
- Processing loan applications - Largest number of loan applications processed monthly (4-7 applications)
- Microsoft Word
- Productivity software
- Client relationship management
- General Ledger Accounting
- Customer relationship management
- English
- USDA , VA , FHA loan submissions (3 years)
- Payroll
- Fair Housing regulations
- Experience working with students
- Loan processing
- Mortgages
- Account Reconciliation (10 years)
- USDA loans
- Originating loans - Largest loan originated (More than $500,000)
- Loan origination - Loan origination experience (3-5 years) (3 years)
- SimpleNexus
- Organizational skills
- Financial services (10 years)
- Communication skills
- Cash handling
- Coordination (loan closing)
- Oracle
- Fluent
- Customer service
- Computer operation
- Federal Housing Administration (FHA) loans
- Mortgage compliance
- Regulatory compliance
- General ledger reconciliation
- TCP
- Title review
- Sales
- Office management
- Mortgage closing
- Wage calculation
- Data entry
- Construction
- Veterans Affairs (VA) loans
- Credit report analysis
- Typing
- Encompass
- Credit report ordering
- Outlook
- Mortgage servicing
- Power BI
- Balance Sheet Reconciliation (6 years)
- Appraisal ordering
- Debt-to-income ratio calculation
- Document review (document control)
- Quickbooks
- Intuit
- AR/AP
- Debits & credits (10 years)
- QuickBooks
- Conventional mortgage loans
- Appraisal review
- Excel
- General ledger accounting
- Loan file preparation
- Credit analysis
- Paychex
- Property management
- Outbound sales
- Time management
- Loan application intake
- Problem-solving
- Operating systems
- Loan document verification
- Refinancing (loan modification)
Certification
- Certified Payroll Professional
- First Aid Certification
- Fundamental Payroll Certification
- CPR Certification
Languages
Bilingual
Timeline
Loan Officer Assistant/Processor
Canopy Management, LLC
04.2024 - 05.2025
Mortgage Loan Originator Assistant
USA Mortgage
10.2020 - 01.2023
Franchise Account Manager
Christian Brother's Automotive Corporate
09.2017 - 11.2019
Payroll Administrator
Westside Chevrolet Inc.
02.2007 - 07.2017
High school diploma or GED - undefined
Business
University of Houston
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