Summary
Overview
Work History
Education
Skills
Certification
Languages
Timeline
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Karina Ruiz

Monterey Park,CA

Summary

Resourceful and detail-oriented professional with extensive knowledge of operational functions, systems, policies, and procedures specific banking operations. Expertise in the practical application of applicable laws and regulations, ensuring compliance while maintaining operational efficiency. Skilled in managing complex projects, leveraging strong organizational, managerial, and project management capabilities to drive successful outcomes.

Overview

12
12
years of professional experience
1
1
Certification

Work History

Payoff Manager / Title Specialist

HomeLight
04.2022 - Current
  • In charge of preparing property reports
  • Provide support to the Title department by assisting with customer service and administrative duties related to mortgage payoffs
  • Calculates and Balances Mortgage Payoffs
  • Contacts Mortgage Lenders to confirm accuracy of Mortgage Demand received from outside Escrow Company
  • Initiates wires and disburses checks
  • Communicate Final Figures with Customer
  • Correspond with Title Unit, Lenders, and Outside Escrow to resolve files that may not be balance
  • Issue monthly reports to confirm proper revenue
  • Developed and implemented operational policies and procedures, resulting in a 15% increase in operational efficiency and a 10% reduction in errors
  • Controlled resources and assets for department activities to comply with industry standards and government regulations.

Real Estate Lease Administrator

Archdiocese of Los Angeles
04.2019 - 03.2020
  • Performed all administrative duties related to leasing and general property management of Archdiocese and Parish real estate
  • Responsible for examining new lease contracts, as directed by the Director
  • Prepared documents and composed letters enforcing contractual obligations such as rent increases, lease renewals, insurance renewals, etc
  • Abstracted the key terms from executed leases and input such information into the company's software programs
  • Performed real estate administration and analyst tasks on a day to day basis for multiple properties, vacant lands and cell towers
  • Managed approximately 30 incoming calls, emails and faxes per day from customers

Payoff Department Lead

Provident Title Company
11.2016 - 01.2019
  • Accountable for all sub escrow matters for busy title unit
  • Verified and figured all payoff demands for liens on property
  • Release lender and escrow proceeds following proper company protocol
  • Receipt and deposit all fundings and disburse loan payoff proceeds
  • Verify with county taxes due for proper parcels
  • Coordinate with escrow companies and lenders for recordings and disbursements
  • Evaluated staff performance and provided coaching to address inefficiencies.
  • Supported creation of detailed, technical financial models to value potential acquisition targets.

Payoff Specialist

Ticor Title Insurance Company
04.2013 - 11.2016
  • Liaison coordinator between the disbursement division and title units
  • Managed incoming and outgoing wires from lender funding for 3 title units for 2 trust accounts
  • Figured payoff files and worked closely with escrow for proper disbursement
  • Assisted in verifying and issuing of checks to correct closing parties for 4 escrow units
  • Maintained daily deposits and monthly reports for the Los Angeles branch
  • Ensured ethical accounting practices while supporting swift and positive resolutions
  • Facilitated cost effective financial and operational processes during period of downsizing
  • Within tight deadlines, adept at accurately preparing weekly and monthly reports
  • Responded to customer inquiries and provided detailed account information.

Education

Associate of Arts - AA - General Sales, Merchandising and Related Marketing Operations

Brooks College
Long Beach, CA
01.2005

High School Diploma - General Studies

Schurr High School
Montebello, CA
06.2000

Skills

  • Analytical and problem solving
  • Microsoft Excel
  • Enterprise resource planning software
  • Business and leadership
  • Verbal and writing skills
  • Data analytics
  • Revenue recognition
  • Risk and compliance
  • Generally accepted accounting principles (GAAP)
  • Digital Literacy and Tech Proficiency
  • Adaptability and Flexibility
  • Leadership and Collaboration

Certification

  • Notary Public Commission, California Secretary of State, August 2019 - September 2027
  • NNA NSA Certified and Background Screened, National Notary Association, October 2019 - October 2025
  • Insurance Agent, Life, Accident & Health, California Department of Insurance, October 2018 - October 2026
  • Insurance Agent, Annuity Resident, Kaplan Financial Education, December 2023 - November 2027

Languages

Spanish
Full Professional

Timeline

Payoff Manager / Title Specialist

HomeLight
04.2022 - Current

Real Estate Lease Administrator

Archdiocese of Los Angeles
04.2019 - 03.2020

Payoff Department Lead

Provident Title Company
11.2016 - 01.2019

Payoff Specialist

Ticor Title Insurance Company
04.2013 - 11.2016

Associate of Arts - AA - General Sales, Merchandising and Related Marketing Operations

Brooks College

High School Diploma - General Studies

Schurr High School

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Karina Ruiz