Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Erica Cruz

3836 Oasis Springs

Summary

Dynamic bilingual individual with hands-on experience in customer service and data entry. Brings strong problem-solving skills and proactive approach to new tasks. Known for adaptability, creativity, and results-oriented mindset. Committed to making meaningful contributions and advancing organizational goals. Skilled in loan documentation, client communication, and financial analysis. Known for collaborative approach and adaptability, ensuring reliable support in dynamic environments. Focused on delivering results and enhancing team efficiency.

Overview

19
19
years of professional experience

Work History

Mortgage Loan Officer Assistant

Directors Mortgage (TEAM TABITHA)
01.2023 - 10.2024
  • Managed a pipeline of mortgage applications, maintaining accuracy and prioritizing urgent cases.
  • Set up files using loan officer checklist and submitted on-time for processing.
  • Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
  • Continuously expanded knowledge of various mortgage products and lending guidelines to provide clients with the best possible solutions for their needs.
  • Increased client satisfaction by providing exceptional customer service throughout the loan process.
  • Expedited pre-approval processes by accurately evaluating applicant income, credit history, and property values.
  • Assisted in closing loans by efficiently gathering required documentation and submitting applications.
  • Monitored key dates to obtain information by deadlines.

Mortgage Loan Officer Assistant

Academy Mortgage Corporation (TEAM TABITHA)
09.2021 - 12.2023
  • Set up files using loan officer checklist and submitted on-time for processing.
  • Managed a pipeline of mortgage applications, maintaining accuracy and prioritizing urgent cases.
  • Maintained referral pipeline by reaching out regularly to real estate agents, referral partners, and past clients.
  • Reduced errors in submitted applications by meticulously reviewing documents for completeness and accuracy before submission to underwriting departments.
  • Monitored key dates to obtain information by deadlines.
  • Cultivated productive relationships with clients, realtors, and title/escrow officers to increase profits and expand customer base.
  • Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.

Mortgage Loan Officer Assistant

Universal Lending Corporation (TEAM TABITHA)
07.2017 - 09.2021
  • Managed a pipeline of mortgage applications, maintaining accuracy and prioritizing urgent cases.
  • Set up files using loan officer checklist and submitted on-time for processing.
  • Facilitated smooth loan closings by coordinating with title companies, attorneys, and borrowers.
  • Increased client satisfaction by providing exceptional customer service throughout the loan process.
  • Optimized internal processes for better efficiency by regularly updating department procedures manuals based on industry best practices.
  • Assisted in preparing detailed reports for senior management highlighting key performance metrics related to loans processed.
  • Communicated with customers daily to request information and complete paperwork.
  • Answered inquiries and provided superior customer service to clients.
  • Verified credit histories, personal references and employment backgrounds for each applicant.
  • Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
  • Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.

Manufacturing Engineer Technician

Cts Corp.
01.2006 - 07.2017
  • Reduced inventory discrepancies with meticulous record-keeping and data entry of all incoming and outgoing shipments.
  • Guided junior team members in best practices for contract administration tasks such as filing system maintenance, data entry accuracy checks, and status report generation.
  • Reduced order processing time by implementing data entry improvements and streamlining documentation procedures.
  • Streamlined data management workflows, leading to increased efficiency and reduced data entry errors.
  • Innovated solutions for recurring issues related to manual data entry processes, significantly reducing error rates across multiple projects.
  • Increased efficiency in financial reporting through the automation of data entry tasks.
  • Implemented automated systems for benefits management, increasing efficiency while reducing errors in data entry or reporting processes.
  • Supported the builder team with accurate data entry, ensuring all project details were up-to-date and easily accessible.
  • Developed and implemented data entry operations.
  • Ensured accuracy in recordkeeping through meticulous data entry and verification procedures.

Education

Associate of Applied Science -

EPCC
El Paso, TX

High School Diploma -

Montwood High School
El Paso, TX
05-1999

Skills

  • Credit analysis
  • Loan origination
  • File processing
  • Attention to detail
  • Document review
  • Document verification
  • File management
  • Personal data collection
  • Log maintenance
  • Time management abilities
  • Teamwork and collaboration
  • Data entry

Languages

Spanish
Native or Bilingual

Timeline

Mortgage Loan Officer Assistant

Directors Mortgage (TEAM TABITHA)
01.2023 - 10.2024

Mortgage Loan Officer Assistant

Academy Mortgage Corporation (TEAM TABITHA)
09.2021 - 12.2023

Mortgage Loan Officer Assistant

Universal Lending Corporation (TEAM TABITHA)
07.2017 - 09.2021

Manufacturing Engineer Technician

Cts Corp.
01.2006 - 07.2017

Associate of Applied Science -

EPCC

High School Diploma -

Montwood High School

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Erica Cruz