Work History
Education
Skills
Websites
Additional Information
Additional Work Qualifications
Timeline
Cynthia Ruth

Cynthia Ruth

Morton,PA

Work History

Loan Originator

American Financial Network
Brea, CA
11.2021 - Current
  • Collaborated with external contacts such as realtors and internal teammates to progress and close transactions.
  • Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
  • Referred clients and assisted with information to refer to appropriate community resources to obtain assistance with home loan grants and financial education.
  • Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
  • Maintained updated knowledge through continuing education and advanced training.

Loan Originator

Envoy Mortgage
Voorhees, NJ
12.2020 - 11.2021
  • Monitored loan status and communicated updates with customers.
  • Negotiated loan terms and conditions with customers.
  • Educated customers on variety of loan products and available credit options to promote valuable decision-making.
  • Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
  • Identified valuable solutions for customers with credit problems.
  • Educated customers regarding actions and strategies for debt repayment.
  • Created and designed business intelligence databases, spreadsheets or outputs.

Community Lending Officer

Bank of America
Princeton, NJ
10.2019 - 01.2021
  • All clients were assessed for CRA specialty programs and grants for primary home purchase business.
  • Personal production made Bank of America compliant with CRA guidelines in the underserved communities of Trenton and Atlantic City, for the first time in the banks' history.
  • Provided individual and group financial counseling sessions for overall wellness partnering with NJ non-profits.
  • Determined opportunities for community development including signing up new grant opportunities within NJ municipalities.
  • Developed engagement and outreach metrics to solicit community engagement including charity events, and partnering with non-profits for community outreach events.
  • Spent ample time with each applicant to break down complex information into terms that easy to understand.

Loan Originator

Prime Lending
Wilmington, DE
07.2019 - 09.2019
  • Guided clients through loan application initiation and filing.
  • Met with borrowers to discuss needs and promoted financial products and services.
  • Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.

Loan Originator

Nationwide Mortgage Bankers
Horsham, PA
04.2019 - 05.2019
  • Checked applicant credit, personal references and employment histories.
  • Worked with third-party vendors to address and clear loan closing requirements.
  • Examined and verified information in loan application and closing documents.
  • Performed daily maintenance of loan applicant database.

Loan Originator

NVR
Bear, DE
03.2018 - 04.2019
  • Prequalified borrowers based on credit criteria and offered debt counseling and financial education to clients and potential clients to help attain loan qualification.
  • Originated new construction loans only and offered loan solutions to clients based on their goals.
  • Worked with clients for 5-8 months with frequent monitoring, follow up, and ensuring that the client would stay qualified for their home loan.
  • Counseled clients on financial fitness, staying on track, and not making any financial/asset/income related during the loan process, that were not necessary.

Mortgage Banker

Bank of the West, BNP Paribas
San Ramon, CA
06.2015 - 03.2018
  • Focused on NonQM ATR business with a variety of programs including Asset Depletion and debt ratio exceptions with customer reserves.
  • Built relationships with clients and used knowledge of consumer marketplace, products and finance to fully understand clients' personal plans and introduced suitable loan services.
  • Recommended loan terms, conditions and collateral position consistent with client request and associated loan risks and set clear and realistic expectations with clients.
  • Locked loans in system with agreed-upon terms and managed locked pipelines through funding process.
  • CRM monitoring with continual updates and client follow up.

CRA Senior Lending Specialist

Citibank, NA
Alameda, CA
06.2009 - 06.2015
  • #2 in units for Citibank, NA retail.
  • Focused on CRA clientele partnering with non-profits to assist clients with BMR purchases and grant opportunities.
  • Worked with clients over a longer period of time that needed assistance in qualifying for a home loan.
  • Classroom educator for HUD approved financial counseling courses.

Education

Associate of Applied Science - Programmer Management/Business

Sanford Brown Business College, Des Peres
01.1995

Skills

  • Customer Service-Focused
  • Verbal and Written Communication
  • Time Management
  • Decision Making
  • Financial Planning Expert
  • Debt and Credit Management
  • Problem Solving

Additional Information

  • References available upon request

Additional Work Qualifications

Previous roles include:

Wholesale Account Executive

Collections Manager

Foreclosure Specialist

Accounts Payable/Receivable

B2B Selling

Business Development

Timeline

Loan Originator - American Financial Network
11.2021 - Current
Loan Originator - Envoy Mortgage
12.2020 - 11.2021
Community Lending Officer - Bank of America
10.2019 - 01.2021
Loan Originator - Prime Lending
07.2019 - 09.2019
Loan Originator - Nationwide Mortgage Bankers
04.2019 - 05.2019
Loan Originator - NVR
03.2018 - 04.2019
Mortgage Banker - Bank of the West, BNP Paribas
06.2015 - 03.2018
CRA Senior Lending Specialist - Citibank, NA
06.2009 - 06.2015
Sanford Brown Business College - Associate of Applied Science, Programmer Management/Business

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Cynthia Ruth