Maria Camacho
Key Colony Beach
Summary
Dynamic investment analyst with a strong background in market trend analysis and financial modeling. Enhanced client satisfaction through effective communication and due diligence processes, contributing to informed decision-making and successful property acquisitions.
Overview
37
37
years of professional experience
5
5
Certifications
Work History
Real Esatate Holdings
Wiltn Management and Holdings LLC
Key Colony Beach
05.2021 - Current
- Completed day-to-day duties accurately and efficiently.
- Introduced innovative ideas and solutions that improved team effectiveness and project outcomes.
- Resolved customer issues with knowledgeable and friendly service, fostering high levels of customer satisfaction.
- Assessed customer needs during interactions to provide timely assistance.
- Facilitated customer requests by providing accurate information and support.
- Collaborated closely with team members to achieve project objectives and meet deadlines.
- Worked with cross-functional teams to achieve goals.
- Provided support and guidance to colleagues to maintain a collaborative work environment.
- Troubleshot complex problems and implemented effective solutions using advanced technical skills and expertise.
- Conducted comprehensive research and data analysis to support strategic planning and informed decision-making.
- Utilized various software and tools to streamline processes and optimize performance.
- Achieved cost-savings by developing functional solutions to problems.
- Demonstrated strong problem-solving skills, resolving issues efficiently and effectively.
- Operated equipment and machinery according to safety guidelines.
- Conducted system analysis and testing to identify and resolve technical issues or inefficiencies.
- Conducted testing of software and systems to ensure quality and reliability.
- Managed time effectively to ensure tasks were completed on schedule and deadlines were met.
Real Estate Investment Analyst
Luminary Consulting Services LLC
Key Colony Beach
04.2020 - Current
- Analyzed market trends to identify investment opportunities in commercial properties.
- Conducted financial modeling to assess property performance and potential returns.
- Collaborated with real estate brokers to evaluate property listings and market conditions.
- Prepared investment reports for senior management, facilitating informed decision-making.
- Managed due diligence processes for property acquisitions and dispositions, ensuring thorough evaluation and compliance.
- Developed presentations that communicated investment strategies, enhancing stakeholder engagement and understanding.
- Researched economic indicators impacting real estate markets and investment viability.
- Performed property valuations using discounted cash flow analysis techniques and comparable sales data.
- Monitored existing investments by tracking rent payments, operating expenses, debt service coverage ratios and other key performance indicators.
- Performed post-closing monitoring to ensure that all contractual obligations were met.
- Collaborated with asset managers to develop business plans for each acquired property.
- Coordinated closing activities including title searches, deed recordings and loan funding processes.
- Assisted in the preparation of loan applications for new acquisitions or refinancing of existing investments.
- Sourced financing options from banks, private equity firms, hedge funds and other investors.
- Conducted due diligence reviews on target assets, including reviewing legal documents such as leases.
- Maintained an organized system for tracking all aspects of a transaction from due diligence through closing.
- Prepared quarterly investment reports summarizing portfolio performance metrics.
- Prepared detailed investment presentations for senior management approval.
- Communicated regularly with lenders regarding loan modifications or extensions.
- Reviewed tenant creditworthiness and analyzed lease terms to ensure compliance with lending requirements.
- Provided support in the development of marketing materials such as offering memorandums and investor reports.
- Managed external advisors such as lawyers, appraisers and environmental consultants throughout the acquisition process.
- Researched and evaluated properties for acquisition, including conducting on-site inspections.
- Negotiated terms of purchase agreements with sellers and landlords.
- Identified cost savings opportunities within existing portfolios by analyzing operating expenses.
- Adhered to bank and legal guidelines for reporting, loan approvals, and money handling.
- Attended local gatherings and networking events to establish community relations.
- Created status reports to update stakeholders on project progress.
- Advised customers on financial investment options and capital expenditures.
- Supervised preparation of documents, financial models and presentations.
- Forecasted trends by organizing data and creating Excel-based financial models.
- Developed a robust Rolodex to enhance networking and sales opportunities.
- Built productive relationships with stakeholders to continually develop new business.
- Worked with potential investors to support IPOs and ensure success.
- Facilitated mergers and acquisitions by generating necessary capital.
- Communicated with existing and prospective clients to identify financial goals and provide recommendations on investment solutions.
- Prepared Required Minimum Distribution (RMDs) for clients.
- Determined and tracked budget expenses with accuracy and transparency.
- Developed financial analysis reports and presentations by applying acquired financial principles.
- Utilized financial analysis to prepare plans of action for investment.
- Assessed requisitions each month to ensure accuracy and reconciled transactions.
- Maintained strong pipeline of corporate clients by collaborating closely with partners.
- Developed comprehensive company valuations to inform investment decisions.
- Illustrated concepts with charts and graphs showing historical and forecasted trends.
- Informed investment decisions by analyzing financial information to forecast business, industry or economic conditions.
- Assessed company investment potential by examining historical trends, current activities and stated plans.
- Created detailed technical reports highlighting findings to diverse stakeholders.
- Interpreted data on price and yield future investment-risk trends, economic influences and other factors affecting investment programs.
- Evaluated financial and operational performance of companies facing financial difficulties to determine possible remedies.
- Presented plans to client with smooth and professional presentations to enhance buy-in chance and promote collaboration.
- Guided stakeholder strategies with financial advice.
- Coordinated deal financing by gathering resources from financial institutions, public agencies or private companies.
Senior Property Manager
Wilton Management LLC
Los Angeles
03.2013 - 08.2018
- Managed daily operations of residential and commercial properties effectively.
- Coordinated tenant relations, resolving concerns to enhance tenant satisfaction.
- Oversaw property maintenance, collaborating with vendors for timely repairs.
- Developed and monitored budgets to align property expenses with financial goals.
- Implemented leasing strategies to attract and retain quality tenants.
- Conducted regular property inspections to ensure compliance with regulations and identify maintenance needs.
- Led team meetings, fostering communication among property management staff.
- Trained junior staff on best practices in property management processes.
- Handled rent collections from tenants on a monthly basis and kept accurate records of payments received.
- Ensured all tenants adhered to rental agreements, lease terms, and applicable laws.
- Resolved tenant complaints in a timely manner.
- Prepared reports on the condition of managed properties for owners or investors.
- Scheduled regular meetings with property owners and investors to discuss performance metrics such as occupancy rate, income generated from rentals.
- Reviewed financial statements regularly to ensure profitability of each property under management.
- Advertised vacancies via online listings, newspaper ads.
- Negotiated contracts with vendors for the maintenance of properties.
- Ensured that all required insurance policies were in place for each managed property.
- Analyzed market conditions to determine optimal rental rates for each property.
- Monitored compliance with health and safety regulations at all managed properties.
- Enforced occupancy policies and procedures by confronting violators and taking corrective action.
- Secured property by working with security patrol service.
- Contracted with tenants by negotiating leases and collecting security deposits.
- Performed periodic reviews of existing leases for accuracy and completeness.
- Drafted leases and other legal documents associated with renting out properties.
- Collaborated with attorneys regarding legal matters involving the ownership or leasing of property.
- Screened potential tenants through background checks, credit reports, references.
- Developed and implemented policies, procedures and systems to ensure efficient management of properties.
- Provided guidance and support to junior members of the team when needed.
- Planned, scheduled and coordinated general maintenance or repairs for commercial or residential properties.
- Managed and oversaw operations, maintenance and administration of properties.
- Oversaw projects through timely inquiry response, event coordination and on-site support for feature film productions and events.
- Recommended clarifications and changes in program policies to director of property management.
- Prepared and submitted monthly tenant visit logs.
- Met with committees to discuss and resolve legal and environmental issues.
- Directed collection of insurance premiums, taxes and incurred operating expenses.
- Cultivated rapport with clients to meet expectations for high-end event space rentals.
- Met with landowners to secure access to mineral rights and facilitate company drilling on privately owned parcels.
- Enhanced event space quality by partnering with construction crews and contractors to complete maintenance and repairs.
- Met with clients to negotiate management and service contracts.
- Compiled and conveyed operational and financial data to regional manager.
- Assisted owners with analyzing complex real estate documents and loan agreements.
- Liaised between construction manager and tenant during build-out phase of tenant suite.
Senior Mortgage Banker
Sierra Coast Mortgage
Reno
01.2010 - 02.2012
- Guided clients through mortgage application process and documentation requirements.
- Evaluated loan applications to determine eligibility and risk factors.
- Collaborated with real estate agents to facilitate property transactions and closings.
- Analyzed market trends to advise clients on mortgage options and rates.
- Trained junior bankers on compliance regulations and best practices in lending.
- Managed client relationships to ensure satisfaction throughout the loan process.
- Customized mortgage solutions to align with individual client financial goals.
- Conducted financial assessments to support informed lending decisions.
- Negotiated terms of mortgage contracts with borrowers in order to meet their individual needs.
- Developed and maintained relationships with clients to ensure customer satisfaction, loyalty and repeat business.
- Resolved customer inquiries regarding account status or loan servicing issues promptly and efficiently.
- Managed a portfolio of existing mortgage accounts to maintain compliance with federal regulations.
- Provided technical support and training to junior staff members.
- Attended networking events in order to build contacts within the local community.
- Advised clients on strategies to reduce costs or increase savings through refinancing activities.
- Participated in continuing education courses related to lending laws and regulations.
- Conducted regular reviews of client portfolios in order to assess risk levels.
- Monitored market conditions to identify trends that could affect mortgage products or services offered by the organization.
- Presented detailed explanations of the mortgage process to potential customers during consultations.
- Reviewed loans for accuracy in accordance with company policies and procedures.
- Maintained up-to-date knowledge of industry standards, regulations and best practices.
- Analyzed financial information such as income, debt, assets and credit reports to determine loan eligibility.
- Identified opportunities for cross-selling additional banking products or services.
- Drafted legal documents associated with closing real estate transactions, such as deeds and mortgages.
- Prepared loan applications for processing by underwriting department.
- Provided guidance on loan programs, payment options, interest rates and other financing details.
- Served as point of contact between internal departments when resolving complex issues.
- Ensured all necessary paperwork was completed accurately prior to submitting files for approval.
- Collaborated closely with lenders, insurers, title companies and other stakeholders throughout the entire loan process.
- Performed quality control checks on all loan packages prior to submission for funding.
- Gathered client debt, credit and income information to determine loan eligibility.
- Informed customers of application deadlines, approvals and denials.
- Developed and maintained relationships with local real estate agents.
- Guided customers in developing effective debt repayment strategies.
- Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
- Verified applicant information by consulting with outside agencies, credit bureaus and businesses.
- Submitted applications to credit analysts.
- Kept detailed records regarding approved, denied and received loan applications.
- Complied applications and paperwork and double-checked for accuracy.
- Analyzed new markets and developed referral networks to locate new loan prospects.
- Identified lending risks and implemented strategies to reduce loan defaults.
- Coordinated with underwriters for loan approval and final decision-making.
- Assessed borrowers' repayment ability through detailed financial analyses.
- Facilitated workshops and seminars on mortgage products and financial literacy.
- Analyzed market trends to advise clients on optimal timing for loan applications.
- Improved loan processing times by streamlining application procedures.
- Utilized CRM systems to effectively manage client interactions and follow-ups.
- Maintained up-to-date knowledge of various loan products and compliance regulations.
- Monitored loan progress, ensuring timely processing and closing.
- Collected and verified financial information from applicants.
- Conducted risk assessments on loan applications using predictive models.
- Developed and implemented strategies to meet monthly loan targets.
- Prepared and reviewed loan agreements to ensure accuracy and completeness.
- Conducted property appraisals to ascertain loan-to-value ratios.
- Guided applicants through the loan process, from application to closing.
- Provided personalized loan options to meet clients' financial needs.
- Educated clients on the implications of changes in mortgage rates.
- Evaluated and approved loan applications based on established criteria.
- Ensured compliance with federal and state lending regulations.
- Established and nurtured relationships with real estate agents and other industry professionals.
- Addressed and resolved applicant and borrower queries throughout the loan cycle.
- Verified client financial information to determine creditworthiness and loan eligibility.
- Informed customers of loan application requirements and deadlines.
- Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
- Reviewed client documentation and contracts for discrepancies and mistakes.
- Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
- Approved or denied loan applications and explained reasoning behind decisions.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Met with applicants to obtain information for loan applications and answer questions about processes.
- Updated client account information and records in company databases.
- Developed loan contracts and explained contract terms to clients.
- Collaborated with company teams to expedite loan approval processes.
- Identified valuable solutions for customers with credit problems.
- Reviewed credit histories from applicants and determined feasibility of granting requested loans.
- Stayed abreast of lending regulations, industry trends and market rates.
- Located and suggested loan packages that met client needs and priorities.
- Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
Mortgage Loan Underwriter
Ivanhoe Financial
Fort Lauderdale
02.2008 - 11.2009
- Evaluated mortgage applications for risk assessment and compliance with lending guidelines.
- Analyzed credit reports and financial documents to determine loan eligibility.
- Reviewed property appraisals to ensure accurate valuation and underwriting decisions.
- Collaborated with loan officers to streamline documentation collection for underwriting process.
- Advised clients on necessary requirements to complete the loan approval process.
- Maintained up-to-date knowledge of mortgage regulations and industry standards.
- Communicated findings and decisions clearly to stakeholders throughout the underwriting process.
- Developed training materials for new underwriters to enhance understanding of company policies and procedures.
- Prepared detailed written analyses of each loan request and submitted them for review by senior underwriters.
- Updated status information in company systems accurately so that all stakeholders have access to accurate data at all times.
- Resolved customer inquiries regarding mortgage options, rates, fees. in an efficient manner.
- Developed relationships with external vendors such as appraisers and title companies to ensure timely delivery of required documents.
- Ensured all applicable laws were adhered to during the underwriting process.
- Provided guidance and advice to loan officers regarding complex loan scenarios.
- Identified and assessed potential risks related to loan products or applicants to inform underwriting decisions.
- Reviewed post-closing documents for accuracy and compliance with federal regulations.
- Analyzed financial data including income, assets, debts and liabilities of borrowers.
- Evaluated credit reports, appraisals, title reports and other documentation related to the loan application.
- Negotiated loan terms with borrowers to reduce risk and enhance satisfaction.
- Maintained up-to-date knowledge of industry trends and changes in government regulations affecting mortgage lending.
- Performed quality control reviews on approved loans prior to closing documents being generated.
- Reported any suspicious activity pertaining to fraudulent activities involving mortgage loans promptly.
- Advised borrowers on ways they can improve their chances of obtaining a favorable outcome from the underwriting process.
- Collaborated with other departments such as processing, closing and funding in order to ensure a smooth transaction process.
- Attended regular meetings with management team members discussing current market conditions impacting mortgage transactions.
- Determined whether or not to approve or deny loan requests based on established underwriting guidelines.
- Resolved document mistakes and discrepancies and identified signs of fraudulent activity.
- Ensured property titles and appraisals met necessary guidelines for insurer and guarantor approval.
- Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.
- Maintained compliance with company and regulatory policies.
- Requested additional information for applications and documents when necessary.
- Evaluated loans against portfolio and investor guidelines.
- Collaborated with loan originators and processors to correctly review and assess applications and risks.
- Researched applicant employment and financial histories to confirm document accuracy.
- Analyzed loan risk and reviewed loan conditions and requirements.
- Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
- Maintained up-to-date knowledge of changing lending regulations and guidelines.
- Utilized automated underwriting systems (AUS) to expedite loan approval decisions.
- Interpreted complex financial statements and tax returns to assess borrowers' financial stability.
- Continuously improved underwriting processes through feedback and identification of efficiency gains.
- Performed detailed asset analysis to prevent fraud and verify sources of funds for closing.
- Managed loan pipeline to ensure timely processing and adherence to deadlines.
- Implemented risk assessment techniques to minimize potential losses.
- Evaluated borrower's financial information, including credit history, income, and assets to determine loan viability.
- Calculated debt-to-income ratios to assess borrowers' ability to repay loans.
- Conducted thorough reviews of self-employed applicants' income to ascertain sustainable earnings for loan repayment.
- Addressed underwriting discrepancies by investigating issues and obtaining necessary information for resolution.
- Ensured loans met all underwriting guidelines for government-sponsored entities (GSEs) such as Fannie Mae and Freddie Mac.
- Advised on structuring loans to meet both borrower needs and lender guidelines.
- Verified client financial information to determine creditworthiness and loan eligibility.
- Informed customers of loan application requirements and deadlines.
- Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
- Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Met with applicants to obtain information for loan applications and answer questions about processes.
- Reviewed credit histories from applicants and determined feasibility of granting requested loans.
- Stayed abreast of lending regulations, industry trends and market rates.
- Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
- Set up debt payment plans based on client credit, income and assets.
- Prepared reports for customers with delinquent and irreconcilable accounts.
Mortgage Broker
Amtrust Mortgage Services
Coral Gables
09.1995 - 12.2007
- Assisted clients in understanding mortgage options and terms.
- Processed loan applications and gathered necessary documentation.
- Reviewed credit reports to assess client eligibility for loans.
- Coordinated with underwriters to facilitate loan approvals.
- Educated clients on mortgage process and timelines to enhance understanding and facilitate informed decisions.
- Communicated updates to clients regarding loan status and requirements.
- Collaborated with real estate agents to streamline mortgage closings.
- Researched competitors' offerings and developed strategies for differentiating services from other brokers and lenders.
- Provided guidance on the selection of loan products best suited for clients' needs.
- Ensured compliance with state and federal laws governing mortgage lending operations.
- Verified accuracy of all documentation prior to submission to underwriting department.
- Developed strategies to improve customer satisfaction and minimize risks in loan origination.
- Performed regular follow-ups on loan applications in order to meet deadlines.
- Participated in marketing events such as open houses or trade shows to increase visibility in the community.
- Built business base by word of mouth as result of maintaining positive relationships with former borrowers.
- Identified and mitigated potential risks in mortgage transactions to safeguard client interests.
- Offered assistance and coaching to other mortgage brokers to help develop new business.
- Reviewed existing policies, procedures and regulations related to mortgage lending industry.
- Reviewed financial data, pay stubs and credit history for borrowers to ascertain loan qualification.
- Served as liaison between borrowers and lenders and collaborated with both parties to obtain optimal loans for home purchases.
- Created and maintained relationships with clients to ensure successful loan transactions.
- Negotiated terms and conditions of mortgages with lenders.
- Maintained knowledge of various types of loan programs such as FHA, VA, Conventional, Jumbo.
- Prepared documents for closing process and monitored progress throughout transaction.
- Clarified mortgage loan process details to educate borrowers.
- Educated clients on industry topics related to home purchasing and loans.
- Provided assistance in resolving issues arising during processing or closing stages of a loan transaction.
- Communicated effectively with clients regarding details of their loans and kept them informed about the status of their applications.
- Analyzed housing markets and identified potential buyers.
- Managed real estate transactions from initiation to closing.
- Conducted physical and virtual tours of properties for potential buyers.
- Negotiated between sellers and buyers over property prices and settlement deals.
- Acquired new customers, counseled clients, and identified purchasing needs to deliver relevant real estate investments.
- Compiled lists of available properties for sale to assist clients.
- Managed and rented out rental properties.
- Tracked adherence to purchase contract terms to ensure compliance.
- Trained and developed agents on consultative sales techniques while assessing needs of buyers to provide relevant properties.
- Founded real estate agency and recruited agents to build operations from ground up.
- Reconciled funds received and disbursed for property transactions.
- Managed seamless real estate transactions to foster professional development.
- Located and suggested loan packages that met client needs and priorities.
- Developed loan contracts and explained contract terms to clients.
- Approved or denied loan applications and explained reasoning behind decisions.
- Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
- Developed and recommended personal or commercial loan packages for clients.
- Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
- Reviewed credit histories from applicants and determined feasibility of granting requested loans.
- Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
- Verified client financial information to determine creditworthiness and loan eligibility.
- Met with applicants to obtain information for loan applications and answer questions about processes.
- Collaborated with company teams to expedite loan approval processes.
- Identified valuable solutions for customers with credit problems.
- Stayed abreast of lending regulations, industry trends and market rates.
- Set up debt payment plans based on client credit, income and assets.
- Prepared reports for customers with delinquent and irreconcilable accounts.
Real Estate Agent
One Stop Realty
Miami
12.1992 - 05.1995
- Guided clients through property buying and selling processes.
- Conducted market research to identify property trends and pricing.
- Assisted clients in preparing and presenting offers on properties.
- Facilitated property showings, highlighting key features to prospective buyers.
- Collaborated with mortgage lenders to streamline financing options for clients.
- Maintained comprehensive listings of available properties for client reference.
- Negotiated contracts between buyers and sellers to ensure smooth transactions.
- Developed targeted marketing strategies that increased visibility and interest in listed properties.
- Maintained updated knowledge of local real estate markets.
- Managed real estate transactions from initiation to closing.
- Coordinated appointments to show homes to prospective buyers.
- Promoted property sales through advertisements, open houses and participation in multiple listing services.
- Showed residential properties and explained features, value and benefits of available homes.
- Negotiated purchase agreements and contracts with buyers and sellers.
- Provided guidance to clients throughout the entire buying or selling process.
- Prepared comparative market analysis to estimate properties' value.
- Ensured all transactions followed state laws regarding real estate practices.
- Oversaw and negotiated offers for real estate purchases on clients' behalf.
- Performed administrative duties such as preparing paperwork for listing presentations, tracking sales data and updating internal databases.
- Managed sales pipeline through proactive follow-up with prospects and hot leads, enhancing client engagement.
- Maintained current and accurate CRM database of prospective customers.
- Facilitated real estate purchases by reviewing listings, accompanying clients to properties and communicating sale conditions.
- Assisted in the preparation of documents such as representation contracts, purchase agreements, closing statements, deeds and leases.
- Developed networks with appraisers, lenders, and home inspectors to facilitate real estate transactions.
- Created detailed property descriptions for use in marketing material.
- Researched current listings available in the area using multiple online resources.
- Generated leads through networking activities such as cold calls and referrals from past clients.
- Participated in community outreach programs to promote services offered by the company.
- Attended industry events such as conventions and seminars.
- Organized promotional materials used in sales presentations.
- Conducted property inspections to ensure compliance with applicable regulations and standards.
- Advised clients on market conditions, pricing and legal requirements for property transactions.
- Managed closing processes to ensure timely completion of transactions.
- Established and maintained positive relationships with owner banks, non-owner banks, attorneys, mortgage lenders and builders.
- Facilitated deals between sellers, buyers and brokers for maximum profits.
- Enhanced customer satisfaction ratings by effectively and swiftly resolving issues.
- Explained financial requirements and analytical data to potential buyers and sellers.
- Increased personal revenue by completing multiple home and property sales.
- Tracked weekly sales to develop senior leadership reports for corrective action planning.
- Established key business relationships within the industry, leveraging responsiveness and deep market knowledge to facilitate transactions.
- Prepared newly purchased homes for clients prior to arrival.
- Met with clients to research cases, collect data and prepare settlement packages.
- Broadened affordable housing and urban development awareness, implementing marketing campaign for teachers and police officers.
Administrative Office Manager
One Stop Realty
Miami
08.1991 - 11.1992
- Managed daily office operations and maintained a productive work environment.
- Coordinated schedules and appointments for executives and staff members.
- Facilitated communication between departments to enhance collaboration.
- Scheduled meetings and prepared agendas for executive discussions.
- Handled incoming calls, emails, and other correspondence from clients and vendors.
- Processed invoices for payment in a timely manner.
- Answered customer inquiries promptly via phone or email.
- Developed administrative team to align with corporate growth and objectives.
- Provided guidance to junior staff on administrative tasks when required.
- Administered and updated database to manage payroll, employee benefits, and staff time.
- Ensured compliance with all legal requirements related to the office's functions.
- Assisted with payroll processing by verifying timesheets and submitting them to the HR department on time.
- Directed and oversaw office personnel activities.
- Developed electronic file system to minimize spending on paper and toner supplies.
- Maintained accurate employee records in accordance with applicable laws.
- Authored employee handbook, technology policies and emergency recovery protocols.
- Initiated and oversaw web-based system to support payments.
- Coordinated with business leaders to create standard operating procedures for network access and database maintenance.
- Implemented property management software for effective records management and tracking.
- Launched new company website and supported system integration.
- Trained new employees on company policies and procedures.
- Conducted staff performance evaluations to monitor progress and individual skills.
- Supported sales and marketing initiatives by scheduling client events.
- Recruited new personnel according to established guidelines.
- Established and maintained filing systems to support office personnel.
- Attended and participated in continuing educational programs to optimize job performance.
- Developed and maintained relationships with clients, addressing concerns and ensuring satisfaction.
- Enhanced office environment to ensure a safe, clean, and productive workplace for all employees.
- Maintained comprehensive records of business transactions and office activities for audit purposes.
- Utilized office management software and systems for streamlined operations and data management.
- Handled confidential information with discretion and integrity.
- Negotiated contracts with vendors and suppliers, achieving cost efficiency.
- Read through contracts, regulations and procedural guidelines to verify comprehension and compliance.
- Determined staffing requirements, interviewing, hiring and training new employees.
- Worked with management team to improve workflows and eliminate unnecessary tasks.
- Negotiated and reviewed contracts, rates and terms with current facilities and suppliers.
- Coordinated and conducted classes to teach procedures to new staff members.
Auto Insurance Agent
Casualty Sytems Insurance
Miami
05.1989 - 07.1991
- Assisted clients in selecting appropriate auto insurance coverage options.
- Explained policy terms and conditions to ensure client understanding.
- Developed relationships with existing customers, enhancing satisfaction and facilitating policy renewals.
- Increased sales through consultative approach, building relationships with new and existing policyholders to drive renewals.
- Upsold products to policyholders and potential new clients.
- Handled customer inquiries and resolved issues efficiently.
- Conducted regular follow-ups with clients regarding policy renewals.
- Processed policy applications and maintained accurate client records.
- Processed applications, endorsements, cancellations, reinstatements, audits, and renewals with accuracy and efficiency.
- Reviewed new business applications for completeness prior to submission to underwriters.
- Collaborated with underwriters to obtain quotes and negotiate terms of policies.
- Collaborated with underwriters to assess risk factors for new policies.
- Ensured compliance with state regulations regarding auto insurance policies.
- Provided detailed explanations of coverages, exclusions, limits, and other policy provisions.
- Utilized an automated system for rating plans, generating proposals, issuing policies, tracking payments.
- Served as a resource for colleagues who were unfamiliar with certain aspects of auto insurance products.
- Participated in team meetings to discuss service improvements and best practices.
- Attended industry events such as conferences or seminars to stay abreast of trends in the field.
- Interviewed prospective clients to obtain data about financial resources and needs.
- Remained current on latest industry trends by gaining comprehensive knowledge of financial and insurance products, services, and best practices.
- Contacted underwriters and submitted forms to obtain binder coverage.
Education
Bachelor of Science - Business Administration And Management
Florida International University
Miami, FL10-1996
Skills
- Property valuation
- Financial modeling
- Investment analysis
- Due diligence
- Market trend analysis
- Lease negotiation
- Customer relationship management
Languages
English
Professional
Spanish
Professional
Latin
Professional
Portuguese
Professional
Certification
Real Estate Agent Florida, Nevada and California
Timeline
Real Esatate Holdings
Wiltn Management and Holdings LLC
05.2021 - Current
Real Estate Investment Analyst
Luminary Consulting Services LLC
04.2020 - Current
Senior Property Manager
Wilton Management LLC
03.2013 - 08.2018
Senior Mortgage Banker
Sierra Coast Mortgage
01.2010 - 02.2012
Mortgage Loan Underwriter
Ivanhoe Financial
02.2008 - 11.2009
Mortgage Broker
Amtrust Mortgage Services
09.1995 - 12.2007
Real Estate Agent
One Stop Realty
12.1992 - 05.1995
Administrative Office Manager
One Stop Realty
08.1991 - 11.1992
Auto Insurance Agent
Casualty Sytems Insurance
05.1989 - 07.1991
Bachelor of Science - Business Administration And Management
Florida International University