Summary
Overview
Work History
Education
Skills
Timeline
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EDWIN CARDENAS

Las Vegas,NV

Summary

Detail-oriented Mortgage Professional knowledgeable about closing documents, title searches and disbursements. Career history completing multiple closings simultaneously under tight timelines. Excellent relationship-building and project management skills gained during 14+ years of related experience. Work extremely well in a high pressure environment with superb ability to organize complex projects. Ability to conduct financial and legal document research. Excellent organizational, multi-tasking, and problem solving abilities.

Overview

16
16
years of professional experience

Work History

Mortgage Closer

Equity Prime Mortgage
03.2024 - Current
  • Enhanced customer satisfaction with timely and accurate mortgage closings, maintaining a professional demeanor throughout the process.
  • Organized and prioritized multiple loan files simultaneously, maintaining strict deadlines to meet client expectations.
  • Improved loan closing efficiency by streamlining document preparation and verification processes.
  • Facilitated clear communication channels between all parties involved in each transaction for more efficient problem resolution when needed.
  • Reduced errors in loan documentation by implementing thorough quality control measures.
  • Increased accuracy in calculating escrow amounts by implementing improved data entry techniques and double-checking computations.
  • Resolved issues efficiently during the pre-closing stage, minimizing delays and keeping transactions on schedule.
  • Maintained a high level of accuracy and professionalism while managing a large caseload of loans, consistently meeting or exceeding performance targets.

Closing Specialist

Zippy Mortgage LLC
11.2023 - 02.2024
  • Streamlined closing processes by implementing efficient document management and communication strategies.
  • Enhanced customer satisfaction by providing timely updates and addressing concerns promptly throughout the closing process.
  • Reduced errors in loan documentation by meticulously reviewing and verifying information prior to submission.
  • Facilitated smooth closings for clients by managing deadlines and coordinating all parties involved in the transaction.
  • Maximized efficiency by creating a comprehensive checklist to track tasks required for each closing transaction.
  • Maintained accurate records of all completed transactions in accordance with industry standards and company protocol.
  • Kept clients informed throughout each step of the closing process, ensuring clear expectations were set from the outset.
  • Supported colleagues during high volume periods, fostering a collaborative work environment where everyone was able to excel under pressure.
  • Managed multiple concurrent transactions while maintaining attention to detail, ensuring all timelines were met without sacrificing accuracy or customer satisfaction levels.

Customer Service Representative

UNIFY Financial Credit Union
08.2023 - 11.2023
  • Enhanced customer satisfaction by promptly addressing concerns and providing accurate information.
  • Streamlined call center processes for improved efficiency and reduced wait times.
  • Resolved customer complaints with empathy, resulting in increased loyalty and repeat business.
  • Assisted customers in navigating company website improving overall user experience.
  • Maintained detailed records of customer interactions, ensuring proper follow-up and resolution of issues.
  • Participated in cross-functional initiatives aimed at enhancing overall business operations and customer satisfaction levels.
  • Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
  • Handled escalated calls efficiently, finding satisfactory resolutions for both customers and the company alike.
  • Answered approximately 100+ inbound customer calls in a calm, courteous, and professional manner daily.
  • Collaborated with escrow officers to ensure a smooth closing process, proactively addressing potential roadblocks.

Closing Coordinator

Finance Of America Reverse
09.2019 - 02.2023
  • Managed and closed 100+ closings per month on average.
  • Accurately enter information regarding mortgage and closing details.
  • Work closely with title to balance and match all closing costs up to and including any mandatory obligations.
  • Responsible for making sure all financial aspects of the transaction are complete and accurate.
  • Constant communication and follow up with all parties involved.
  • Confirm that applicable Quality Control Review has been completed, reviewed, and accepted prior to completion and delivery of Closing Documents.
  • Meet with Closing and Post Closing manager weekly to review loan pipeline that had not been purchased and develop action plan.

Inside Sales Representative

Johnstone Supply
10.2018 - 09.2019
  • Computed total costs and profit requirements for customer sales to provide accurate pricing.
  • Answered customers' questions regarding products, prices and availability.
  • Determined needs, delivered solutions and overcame objections through consultative selling skills.

Sr. Closing Analyst

The Federal Savings Bank
07.2014 - 09.2018
  • Coordinated closing process with attorneys, title companies and government clerks.
  • Upheld complete confidentiality of all submitted information according to release HECM guidelines.
  • Estimated closing dates and scheduled meetings.
  • Reviewed closing disclosures, post-closing records and disbursements.
  • Reviewed mortgage documents for accuracy, which included title abstract and insurance forms.
  • Communicated closely with inter-company staff members to promote quick and effective loan workflow.
  • Trained and directed new hires during department orientations.

Sr. Loan Processor

Proficio Mortgage Ventures LLC
08.2012 - 06.2014
  • Set up and completed loan submission package to UW.
  • Maintained compliance requirements as well as federal statutes covering HECM loans.
  • Handled conditions sent from underwriting departments.
  • Reviewed financial statements and contacted institutions to clarify details.
  • Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.

Loan Processor

First National Bank Of Layton
11.2009 - 08.2012
  • Submitted completed packages in a timely manner.
  • Ordered loan title, credit, and appraisal services for all intake files.
  • Obtained new loans from loan officers for intake process.

Education

Some College (No Degree) - Business Administration

Mt San Jacinto College
San Jacinto, CA

High School Graduate - undefined

Hemet High School
Hemet, CA
01.1998

Skills

  • Project Management
  • Customer Service
  • Bi-lingual
  • Reverse Vision, Encompass, & Mortgage Cadence LINK proficiency
  • Financial document review
  • Application preparation
  • Clear oral/written communication
  • Staff development
  • Ability to solve problems
  • Active listening
  • Document preparation

Timeline

Mortgage Closer

Equity Prime Mortgage
03.2024 - Current

Closing Specialist

Zippy Mortgage LLC
11.2023 - 02.2024

Customer Service Representative

UNIFY Financial Credit Union
08.2023 - 11.2023

Closing Coordinator

Finance Of America Reverse
09.2019 - 02.2023

Inside Sales Representative

Johnstone Supply
10.2018 - 09.2019

Sr. Closing Analyst

The Federal Savings Bank
07.2014 - 09.2018

Sr. Loan Processor

Proficio Mortgage Ventures LLC
08.2012 - 06.2014

Loan Processor

First National Bank Of Layton
11.2009 - 08.2012

High School Graduate - undefined

Hemet High School

Some College (No Degree) - Business Administration

Mt San Jacinto College

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EDWIN CARDENAS