Summary
Overview
Work History
Education
Skills
Languages
Certification
Timeline
Generic

Jannibel Estevez Cruz

Brooklyn

Summary

Client-focused mortgage and real estate professional with 5½ years of experience in residential lending, loan processing, and compliance for conventional, FHA, VA, Fannie Mae, and Freddie Mac loans. Proven track record of managing high-volume pipelines, ensuring complete and compliant loan files, and collaborating across teams to expedite closings. Skilled in Encompass, RESPA/TIL/HMDA/Reg B compliance, and third-party vendor coordination. Recognized for accuracy, proactive problem-solving, and delivering an exceptional borrower experience from application to funding.

Overview

5
5
years of professional experience
1
1
Certification

Work History

Licensed Real Estate Salesperson

Douglas Elliman
09.2023 - Current
  • Partner with mortgage lenders and clients to guide financing processes, ensuring all required documentation is complete and compliant.
  • Analyze borrower eligibility by reviewing income, credit, and assets in coordination with lending partners.
  • Maintain accurate transaction files and ensure all contractual deadlines are met, facilitating smooth closings.
  • Educate clients on financing options, mortgage processes, and related legal requirements.

Loan Advisor Assistant

Flagstar Bank
09.2021 - 08.2023
  • Processed and pre-underwrote loan applications for FHA, VA, conventional, Fannie Mae, and Freddie Mac loans.
  • Verified borrower credit, employment, income, and assets to meet underwriting guidelines.
  • Prepared and delivered initial disclosures, ensuring compliance with federal, state, and investor requirements.
  • Ordered and reviewed third-party documentation, including title commitments, appraisals, flood certifications, and payoff statements.
  • Managed a high-volume pipeline, tracking each file’s progress and proactively resolving conditions to meet closing deadlines.
  • Prepared loan approval summaries (1008 & 1003) with 100% accuracy prior to underwriting submission.
  • Coordinated communication between borrowers, loan originators, underwriters, and closing teams to ensure smooth transactions.

Administrative Assistant

Real Estate Classics
05.2020 - 09.2021
  • Supported agents and loan officers in preparing purchase agreements, leases, and closing statements.
  • Coordinated with appraisers, title companies, and lenders to ensure all loan and transaction documents were accurate and timely.
  • Maintained organized records in compliance with industry regulations and company policy.

Administrative Coordinator

Clinton Institute
06.2020 - 06.2021
  • Managed financial documentation and payment processing while maintaining strict accuracy and compliance.
  • Provided executive-level administrative support, including scheduling, correspondence, and report preparation.

Education

BBA - Marketing

Universidad Autonoma De Santo Domingo (UASD)
Dominican Republic
11-2018

Skills

  • File audit and quality control
  • Problem Resolution & Condition Clearing
  • Microsoft Office Suite (Word, Excel, Outlook)
  • Salesforce, QuickBooks, Surefire CRM
  • Credit, Income & Asset Verification
  • Teamwork

Languages

Spanish
Native/ Bilingual

Certification

  • NMLS Certification: 2244935
  • Licensed Real Estate Salesperson (NY): 10401380152

Timeline

Licensed Real Estate Salesperson

Douglas Elliman
09.2023 - Current

Loan Advisor Assistant

Flagstar Bank
09.2021 - 08.2023

Administrative Coordinator

Clinton Institute
06.2020 - 06.2021

Administrative Assistant

Real Estate Classics
05.2020 - 09.2021

BBA - Marketing

Universidad Autonoma De Santo Domingo (UASD)

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