INEABELL RAMOS
Parlin,NJ
Summary
Experienced Mortgage Loan Processor and Junior Underwriter with a track record of improving operational efficiency and client satisfaction in the mortgage industry. Skilled in leading teams, streamlining loan processing, and ensuring compliance with lending guidelines. Known for excellent problem-solving abilities and a strong focus on enhancing customer experience.
Overview
25
25
years of professional experience
Work History
Sr. Mortgage Loan Processor
EMM Loans LLC
Palm Bay, Florida
10.2023 - 07.2024
Sr. Mortgage Loan Processor
Movement Mtg, LLC
Indian Land, SC
12.2021 - 11.2022
Sr. Mortgage Loan Processor /Team Leader
Source Point
Palm Bay, FL
08.2020 - 12.2021
- Promoted to Team Leader, training new processors on system navigation and efficient loan processing.
- Managed high-volume loan processing, ensuring accuracy and efficiency in a fast-paced environment.
- Implemented operational improvements, enhancing client service and processing efficiency.
- Consistently met or exceeded performance targets, demonstrating strong organizational and time-management skills.
- Fostered strong relationships with clients, colleagues, and external partners through effective communication and interpersonal skills.
Junior Underwriter/Sr. Mortgage Loan Processor
Kwik Mortgage Corporation
Parsippany, NJ
06.2020 - 08.2020
- Processed various types of mortgage loans, including conventional, FHA, VA, USDA, Bonds, New Construction Loans-Home Ready & Possible, and Jumbo products.
- Reviewed Tax Returns, Profit & Losses along with 3-month bank statements for self-employed borrowers.
- Verified employment histories, creditworthiness, and financial stability of over 150 applicants; ensured compliance with lending guidelines while identifying discrepancies that mitigated potential risks for the institution.
- Calculated borrowers' income, assets, and liabilities to determine eligibility for loan programs and updated database systems with accurate information about each loan file.
- Collaborated effectively with loan officers to keep them informed about the status of loan applications and to collect any additional documentation required to expedite the approval process.
- Initiated direct outreach to 200+ customers experiencing loan processing delays via phone and email, leading to a significant reduction in unresolved issues by 30%, thereby enhancing workflow efficiency and client trust.
- Attended industry training to stay current on mortgage regulations and lending guidelines. Participated in team meetings to discuss pipeline management strategies and share knowledge among colleagues.
Commercial Loan Processor
Stratton Equities
Pine Brook, NJ
03.2020 - 04.2020
- Commercial and Residential Loans - Stated, Full Docs; Conventional & 5/1 Arms; Syndicate and Evergreen Loan; Bilateral Agreements, Loan Operations.
- Coordinated with underwriters to clarify and resolve any issues or discrepancies.
- Maintained regular communication with clients, providing status updates on their loans.
- Prepared loan packages for submission to underwriting departments.
- Conducted thorough analysis of applicant's financial information and credit history to determine eligibility for loans by preparing the loan packages for submission to underwriting departments.
Education
Completed 75 Hour Salespersom Course -
Career Path Academy
Spouth Plainfield, NJCompleted 156 Hour Mortgage Loan Officer Program - Mortgage Fundamentals, Federal SAFE Act, NJSAFE Act, PASAFE Act, Business Development& Sales Training
American School of Business
Fairfield, NJAssociate of Science - Paralegal Studies
Essex County College
Newark, NJSkills
- Leadership
- Team Management
- Regulatory Compliance
- Mortgage Lending Procedures
- Compliance
- Risk Management
- Written Communication
- Software's: Calyx Point, Pro Lender & Encompass360
- Systems: XDOCS, Blitz Docs
- Interpersonal Skills
- Process Improvement
- Client Satisfaction
- Operational Efficiency
- Customer Experience
- Loan Origination Systems
- Innovative Thinking
- Service Orientation
- Software's: EPIC & Mortgageware
Languages
- English, Advanced
- Spanish, Fluent
Timeline
Sr. Mortgage Loan Processor
EMM Loans LLC
10.2023 - 07.2024
Sr. Mortgage Loan Processor
Movement Mtg, LLC
12.2021 - 11.2022
Sr. Mortgage Loan Processor /Team Leader
Source Point
08.2020 - 12.2021
Junior Underwriter/Sr. Mortgage Loan Processor
Kwik Mortgage Corporation
06.2020 - 08.2020
Commercial Loan Processor
Stratton Equities
03.2020 - 04.2020
Completed 75 Hour Salespersom Course -
Career Path Academy
Completed 156 Hour Mortgage Loan Officer Program - Mortgage Fundamentals, Federal SAFE Act, NJSAFE Act, PASAFE Act, Business Development& Sales Training
American School of Business
Associate of Science - Paralegal Studies
Essex County College
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