Michael Ratute
Colorado Springs,CO
Summary
Self-motivated, eager to learn, highly organized and diligent professional drawing upon five and a half years of experience in banking to contribute to smooth and productive operations. Has a passion for learning new things and eager to broaden overall knowledge in the mortgage industry and using that knowledge to help customers and colleagues. Works well in a team environment and can communicate to others confidently and efficiently. Not afraid to express new ideas, either operationally or systematically. Able to complete multiple tasks at once with high level of accuracy and attention to detail.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Loan Officer Assistant
Trinity Home Loans
09.2023 - Current
- Serve as an ongoing point of contact for clients, helping them collect required information and complete any necessary documents throughout the loan process
- Assist and coordinate internal parties involved in the loan application process, including mortgage loan officers, underwriters, and realtors
- Gather information for new loan underwriting, including credit reports, tax filings, business entity searches, and title work
- Ensure loan documentation complies with federal and state requirements
Universal Banker
ANB Bank
03.2023 - 06.2023
- Providing banking assistance to clients by performing a wide range of tasks, ensuring timeliness and customer satisfaction
- Responsibilities include handling and processing accounts, accomplishing requests from clients, and addressing inquiries and complaints, responding to them promptly and efficiently
- Working with cash drawers, generate referrals, and identify the clients' financial and banking needs.
Mortgage Cashier/Investor Reporting
West Gate Bank
09.2020 - 03.2023
- Timely and accurately process mortgage payments and payoffs, payment reversals/corrections, stop pays, and corporate advance payments/disbursements.
- Work suspense accounts and process as needed
- Review ITM/branch payments for accuracy
- Responsible for maintaining banking and departmental policies and procedures.
- Fixing release recordings, either sent to borrower or county.
- Analyzed investment performance, identified discrepancies, and performed research to resolve issues.
- Identified errors or inconsistencies in investor data that could lead to inaccuracies in reporting.
- Prepare various reconciliations while resolving any reconciling items in a timely manner.
- Researches and resolves problems as they arise and ensures accurate resolution is completed in a timely manner.
- Respond to Investor inquiries accurately and timely.
- Accurately prepare and submit various Insurer reporting following Insurer requirements.
- Perform various tasks related to MERS reconciliation and report/notification monitoring.
Mortgage Customer Service Representative
West Gate Bank
06.2020 - 09.2020
- Provide outstanding customer service to customers and internal bank employees.
- Providing customers with information requested through verbal or written correspondence and maintain accurate records.
- Respond to needs of customers who are not satisfied with assistance provided by a Customer Service Representative.
- Generating payoff statements and providing them to the borrower, title company, correspondent, etc.
- Researching customer complaints or concerns and correct or adjust records as needed.
- Examining documents such as deeds, assignments, etc.
Education
Economics
University of Nebraska-Lincoln
12.2020
Skills
- Communication
- Team Player
- Attention to Detail
- Quick and Eager to Learn
- Able to Work in Fast Pace Environment
- Problem Solving
- Customer Service
- Critical Thinking
- Adaptability
- Interpersonal Skills
- Research
- Able to Meet Deadlines
Certification
NMLS Licensed
Timeline
Loan Officer Assistant
Trinity Home Loans
09.2023 - Current
Universal Banker
ANB Bank
03.2023 - 06.2023
Mortgage Cashier/Investor Reporting
West Gate Bank
09.2020 - 03.2023
Mortgage Customer Service Representative
West Gate Bank
06.2020 - 09.2020
Economics
University of Nebraska-Lincoln