Monica Miranda
Mortgage Loan Closer
Mountain View,CA
Summary
Customer Service Representative bringing top-notch skills in oral and written communication, active listening and analytical problem-solving skills. Enhances customer experiences by employing service-oriented behaviors, understanding customer desires and providing customized solutions to build loyalty.
Overview
12
12
years of professional experience
Work History
Accounts Receivable Clerk
Jesse & Sons Construction
03.2022 - 09.2022
- Submitted cash and check deposits and generated cash receipts to record money received.
- Contacted clients with past due accounts to formulate payment plans and discuss restructuring options.
- Prepared and mailed invoices to customers, processed payments, and documented account updates.
- Made outbound calls to vendors and customers to discuss and resolve account needs.
- Responded to inbound inquiries regarding accounts and payments.
- Reviewed accounts on monthly basis to assess aging and pursue collection of funds
- Developed and maintained positive relationships with clients to maximize collections.
Mortgage Closer
Digital Risk, LLC
08.2020 - 02.2022
- Responsible for coordinating all aspects of loan closing process and document preparation.
- Managed 200-250 loans per month with tight deadlines
- Maintained good communication with clients, internal staff and other associated agencies to facilitate all closing needs within time frames
- Prepared, reviewed and generated closing documents according to client specifications to ensure all compliance requirements were met.
- Reviewed and approved Final HUD/Closing disclosures.
- Reviewed title commitments, validated closing conditions.
- Reviewed/balancing HUD statements closing disclosures.
- Resolved enclosing issues, made system changes and expedited corrected documents to facilitate scheduled closings.
- Accurately prepared and transmitted funding information to ensure loans are funded on time.
- Assured error fee documentation prior to distribution of closing packages
- Provided excellent customer service to internal and external clients.
- Proactively identified solutions for customers experiencing credit issues.
- Reviewed titles, insurance and flood zone certifications to meet closing standards for each property
- Maintained checklists of required documentation and open issues affecting closings
- Delivered positive customer experiences and successful deal closures through open, constructive communications
Senior Property Administrator
RAMINGTON RANCH PROPERTIES
01.2015 - 01.2020
- Assisted CEO/Owner with administering all business operations of 14 different rental properties, reporting functions and ensuring property and tenant needs and all regulatory requirements
- Resolved customer service issues promptly
- Booked appointments, maintained work schedules and calendars up to date with all events
- Negotiated contracts, accounts payable/receivable
- Collection/deposit of all rents and invoices assessing late fees
- Assigned badges for parking and building access
- Maintained calendar of events and tenant move ins and move outs
- Doubled company's revenue by implementing marketing and public relations enhancements.
- Worked flexible hours across night, weekend and holiday shifts
- Completed paperwork, recognizing discrepancies and promptly addressing for resolution
- Used strong analytical and problem-solving skills to develop effective solutions for challenging situations
- Passionate about learning and committed to continual improvement
Apartment Manager
STOKES LLC MONTERREY PROPERTIES
01.2013 - 01.2015
- Responsible for over 120 apt units
- Handled day to day tenant regulations which included conflict resolution and complain management
- Directly responsible for hiring
- Prepared rental agreements for residents and ensured collection of rents
- Marketed, showed, pre-screened applicants for vacant units
- Completed reports, scheduled maintenance and/or turnover repairs
- Purchased supplies and equipment for use on property
- Investigated complaints, disturbances and violations; enforced house rules and regulations
- Coordinated with outside vendors.
- Maximized rental income while minimizing expenses through effective planning and control
- Utilized social media, Craigslist, banners and signs to advertise vacant apartments
- Conducted move-out and move-in inspections to determine charges for damages and market readiness
- Implemented and enforced policies and procedures to maintain properties to highest standards
- Conducted regular inspections of both interior and exterior of properties for damage
- Kept properties in compliance with local, state and federal regulations
Loan Processor/office Manager
FIRST CHOICE BROKERS
01.2011 - 01.2013
- Managed busy Real Estate office for 42 agents
- Verified and examined information and accuracy of loan applications and closing documents from start to finish
- Calculated and corrected errors on interest, principal payment and closing costs
- Processed property appraisals, inspections and notary signings
- Interviewed clients and trained clerical staff
- Managed busy phones, filing, typing, bookkeeping, busy calendars and travel arrangements.
- Set up and completed loan submission packages via Calix Software
- Assisted customers with completing loan applications and other paperwork
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants
- Prepared documents for underwriting by verifying client income, credit reports, and other information
- Maintained relationships with customers, lenders and other third parties
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues
- Handled any conditions sent from underwriting departments
- Assisted loan officers with origination and closing processes to fast track procedures and promote teamwork
Education
H. S. Diploma. AA - Business Administration
San Jose State University/ Heald College School of Business & Technology
San Jose, CASkills
- Creative problem solving
- Ability to work independently in performing assignments
- Communication and team-building skills
- Aptitude to manage multiple tasks in pressured environment
- Capacity to identify and solve problems related to client needs
- Invoice Processing
- Handling Confidential Materials
- Data Entry Skills
- Prioritization
- Team work
- Fluent in Spanish
- Critical Thinking
- Customer Relations
Timeline
Accounts Receivable Clerk
Jesse & Sons Construction
03.2022 - 09.2022
Mortgage Closer
Digital Risk, LLC
08.2020 - 02.2022
Senior Property Administrator
RAMINGTON RANCH PROPERTIES
01.2015 - 01.2020
Apartment Manager
STOKES LLC MONTERREY PROPERTIES
01.2013 - 01.2015
Loan Processor/office Manager
FIRST CHOICE BROKERS
01.2011 - 01.2013
H. S. Diploma. AA - Business Administration
San Jose State University/ Heald College School of Business & Technology
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