Jennixa Montalvo Infante
Orlando,FL
Summary
Adaptable professional with extensive experience in loss mitigation and credit analysis. Known for effective teamwork and negotiation skills, contributing to successful loan modifications and enhanced client relationships. Experienced with mitigating financial losses and managing delinquency cases. Utilizes risk assessment techniques to develop effective resolution strategies. Track record of maintaining strong customer relationships and ensuring compliance with regulatory standards.
Overview
10
10
years of professional experience
Work History
Loss Mitigation Specialist
Freedom Mortgage Corporation
Altamonte Springs, Fl
11.2021 - 02.2024
- Analyzed loss mitigation applications to determine eligibility for relief programs.
- Collaborated with clients to negotiate repayment plans and loan modifications.
- Conducted comprehensive loan reviews, identifying opportunities for modifications and alternative repayment plans.
- Evaluated financial documents for accuracy and compliance with regulatory standards.
- Developed customized strategies to assist borrowers facing financial hardships.
- Achieved successful loan modifications through diligent analysis of borrower financial information and negotiation with lenders.
- Safeguarded company interests by ensuring adherence to all relevant legal and regulatory requirements throughout the loss mitigation process.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Assessed clients' financial data to determine loan suitability.
- Compiled closing packages for drafting and presentation accuracy.
Closing Coordinator
Freedom Mortgage Corporation
Altamonte Springs, FL
06.2018 - 10.2021
- Coordinated closing documents to ensure compliance with state and federal regulations.
- Managed communication between lenders, title companies, and clients for seamless transaction flow.
- Reviewed loan files for accuracy and completeness before submission to underwriting.
- Facilitated the scheduling of closings, ensuring timely execution of all required tasks.
- Led cross-departmental initiatives to enhance client experience during the closing process.
- Improved customer satisfaction by providing timely updates on the status of closings and addressing any concerns or questions promptly.
- Streamlined the closing process for clients by coordinating with multiple parties, including lenders, attorneys, and real estate agents.
- Enhanced company reputation through consistent attention to detail and exemplary customer service, resulting in positive word-of-mouth referrals.
- Demonstrated problem-solving skills in addressing any unexpected issues during closing, ultimately ensuring a successful outcome for all parties involved.
- Reviewed titles, insurance and flood zone certifications to meet closing standards for each property.
- Collaborated with lenders, agents, and legal professionals to resolve transactional and title issues.
Final Docs Specialist
Taylor Morrison Home Funding
Maitland, FL
07.2016 - 06.2018
- Collaborated with cross-functional teams to streamline loan processing workflows.
- Implemented compliance protocols to ensure adherence to regulatory standards.
- Evaluated and optimized operational processes, driving improvements in workflow efficiency.
- Followed all company policies and procedures to deliver quality work.
- Coordinated post-closing activities to ensure timely document submission and compliance with regulatory standards.
- Reviewed loan files for accuracy, identifying discrepancies and facilitating corrections with relevant stakeholders.
- Managed communication between internal teams and external clients to resolve post-closing issues promptly.
- Implemented quality control measures to minimize errors in closing documents, improving overall accuracy rates.
- Maintained organization and accessibility of closed loan files through careful record-keeping practices.
- Coordinated with title companies to obtain necessary documents for successful property closings.
- Handled sensitive client information discreetly while ensuring strict adherence to privacy regulations.
Cashwrap Coordinator
Sephora
Orlando, FL
05.2014 - 06.2018
- Oversaw cash handling processes to ensure accuracy and compliance with company policies.
- Trained and mentored new staff on operational procedures and customer service standards.
- Streamlined transaction workflows to enhance efficiency and minimize wait times for customers.
- Managed inventory control of cash registers, ensuring adequate supplies for daily operations.
- Implemented best practices in cash management, reducing discrepancies and enhancing security measures.
- Conducted regular audits of register drawers to ensure accurate accounting of daily sales totals and minimize discrepancies.
- Supported other departments as needed during busy periods or staff shortages, contributing to overall store success by demonstrating flexibility in work assignments.
- Developed strong relationships with customers by providing friendly assistance and addressing inquiries promptly.
- Enhanced customer satisfaction by efficiently managing the cash wrap area and ensuring a smooth checkout process.
- Provided ongoing coaching to cashiers regarding best practices for handling difficult situations or complex transactions, fostering an environment of continuous improvement.
- Reduced wait times for customers by effectively organizing and assigning tasks to cashiers during peak hours.
- Maintained a clean and organized workspace, creating a welcoming environment for customers and staff.
- Handled customer complaints professionally, providing exceptional service to resolve issues promptly.
- Performed daily cash reconciliations to determine accuracy of financial reports.
- Prepared bank deposits and corporate cash shipments.
- Followed company policies, procedures, and practices for accurate recordkeeping and loss prevention.
- Investigated discrepancies of cash register and POS System totals to resolve errors.
- Investigated financial inconsistencies to solve discrepancies and reported to manager.
- Resolved issues through active listening and open-ended questioning, escalating major problems to manager.
Education
High School Diploma -
Cypress Creek High School
Orlando, FlSkills
- Default management
- Collections experience
- Negotiation expertise
- Coordinating records
- Underwriting
- Loan modification
- Maintaining payment histories
- Mortgage servicing
- Problem-solving
- Teamwork and collaboration
- Adaptability and flexibility
- Credit analysis
Languages
Spanish
Native or Bilingual
Portuguese
Elementary
Timeline
Loss Mitigation Specialist
Freedom Mortgage Corporation
11.2021 - 02.2024
Closing Coordinator
Freedom Mortgage Corporation
06.2018 - 10.2021
Final Docs Specialist
Taylor Morrison Home Funding
07.2016 - 06.2018
Cashwrap Coordinator
Sephora
05.2014 - 06.2018
High School Diploma -
Cypress Creek High School