Summary
Overview
Work History
Education
Skills
Websites
Certification
Languages
Timeline
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Luz Mercedes Espinal

Providence,RI

Summary

Smart financial professional applies strong problem-solving and decision-making skills in job tasks. Self-motivated with good understanding of evaluating credit history, financial stability and risks. Diligent individual with strong work ethic.

Overview

11
11
years of professional experience
1
1
Certification

Work History

HAF Grant Program Underwriter

RI Housing
01.2022 - Current
  • Perform the credit decision function to ensure that HAF award decisions are in compliance with IRS, federal/state regulations, and program requirements
  • Approve or deny applications based on prudent underwriting decisions
  • Input data into program portal in an accurate and timely manner
  • Work with local and national mortgage servicers to find the best solutions for homeowners
  • Calculate income within federal guidelines
  • Review and implement modifications, forbearances, repayment terms and property records for liens on the property, and work with servicers and their loss mitigation department for a resolution for the client
  • Perform special projects and research as assigned.

Funding and Lock Representative

RI Housing
02.2021 - 12.2021
  • Confirm registration and lock requests through portal and ensure data received is accurate and deficiencies are corrected through prompt follow-up with lenders and proper file maintenance
  • Process secondary financing requests and subordinate lien disbursements
  • Answer requests from participating lenders and closing attorneys for program information
  • Perform special projects and research as needed.

Administrative Assistant / Homebuyer Education Coordinator

RI Housing
06.2016 - 02.2021
  • Provides accurate and timely confidential administrative support to the Homeownership division Director and other division staff as needed
  • Performs required administrative and research duties and accurate record keeping
  • Assists and manages homebuyer education registration and data
  • Provides program information and referral to clients and constituents
  • Performs special projects, research, and reporting as assigned
  • Projects a positive corporate image through professional contact with all constituencies.

Confirmation Specialist Lead

Alliance Security
05.2013 - 05.2016
  • Contact customers and schedule / confirm all appointments for sales team
  • Reschedule appointments for customers and update calendars based on customer information
  • Communicate with Sales Team on customer request
  • Use all credit bureaus to do credit check for customers and determine qualifications
  • Ensure accuracy of data for customers and sale rep and technicians
  • Manage and monitor coworkers phone calls for improvement
  • Approve of employee’s time off and ADP management.

Education

Bachelor of Arts - Justice Studies

Rhode Island College
05.2019

Skills

  • Financial Analysis
  • Interpersonal
  • Regulatory Compliance
  • Forecasting & Reporting
  • Problem-solving skills
  • Attention to detail
  • Microsoft office proficient
  • Decision Making
  • Financial Statements
  • Caseload Management
  • Risk Mitigation
  • Analyzing Data

Certification

Private Investigation License 2020

Languages

Spanish
Native or Bilingual

Timeline

HAF Grant Program Underwriter

RI Housing
01.2022 - Current

Funding and Lock Representative

RI Housing
02.2021 - 12.2021

Administrative Assistant / Homebuyer Education Coordinator

RI Housing
06.2016 - 02.2021

Confirmation Specialist Lead

Alliance Security
05.2013 - 05.2016

Bachelor of Arts - Justice Studies

Rhode Island College

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Luz Mercedes Espinal