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
Atlanta, GA
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
Las Vegas, NV
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
Las Vegas, NV
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, CAHigh School Graduate - undefined
Hemet High School
Hemet, CA01.1998
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