Summary
Overview
Work History
Education
Skills
Banking Systems Proficiency
Bilingual
Education Training
Professional Highlights
References
Languages
References
Work Availability
Timeline
Nanette Jimenez

Nanette Jimenez

Bay Shore,New York
There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins

Summary

Meticulous and resolute CRA Mortgage Development Officer, credited with multi-industry experience and comprehensive knowledge within banking and lending institutions. Exceptional strength and comprehensive knowledge of policies, procedures, compliance, and guidelines, (CRA, HMDA, FHA, FDCPA, Reg Z, AML, KYC, Patriot Act). Acknowledged for the ability to work well in deadline driven environments; coupled with identifying and facilitating as an advisor in solution management. Skilled communicator, presentation ability, and proactively collaborates with all members and levels of the organizational structure to ensure optimal information and performance. Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.

Overview

20
20
years of professional experience

Work History

Community Mortgage Development Officer

TD Bank, N.A.
Bay Shore, NY
11.2022 - 10.2023
  • Collect and review documentation for the origination of a mortgage and successfully close loans
  • Proactively build trusted and productive relationships within our bank assessment areas to promote and generate business to meet and exceed goals
  • Facilitate, promote, and administer financial education, seminars, and outreach efforts to generate business
  • Provide technical training on lending programs/products to internal and external partners
  • Responsible for scheduling meetings (internal), coordinating and planning for external meetings, and maintaining calendar of activities
  • Perform prospect and pipeline tracking duties
  • Develop specific business plans, including closed loan goals, for each product and program sponsored and managed
  • Build, monitor and continuously refresh prospect database
  • Manage and cultivate relationships with external clients to increase lending penetration in bank assessment areas
  • Effectively communicate the progress and outcomes of the loans to the buyers, developers, and realtors, as well as maintain precise accounts of the amount of loans written and closed to meet quotas and report accurately; dedication to reviewing and training of changing policies, procedures, and laws to ensure total compliance
  • Analyze loan data and trends as needed to support loan growth, CRA performance, and support of the Bank's Strategic Plan
  • File appropriate compliance reports with regulatory agencies
  • Oversee lending records for the retention levels relative to banking laws and requirements
  • Remain current and monitor compliance developments in the marketplace; make recommendations as appropriate
  • Appropriately assess risk when business decisions are made, demonstrating consideration for the firm's reputation, and safeguarding its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Community Mortgage Development Officer

Santander Bank, N.A.
Melville, NY
10.2017 - 05.2022
  • Collect documentation for the mortgage application, review and evaluate the lending product best fit for the client and work closely with the processor to ensure a successful closed loan
  • Proactively build trusted and productive relationships within our bank assessment areas to promote and generate business to meet and exceed goals
  • Facilitate, promote, and administer financial education, seminars, and outreach efforts to generate business
  • Provide technical training on lending programs/products to external relationship partners and to internal partners team on
  • Responsible for scheduling deal meetings (internal), coordinating and planning for external meetings, and maintaining calendar of activities
  • Perform prospect and pipeline tracking duties
  • Develop specific business plans, including closed loan goals, for each product and program sponsored and managed
  • Build, monitor and continuously refresh prospect database
  • Manage and cultivate relationships with external clients to increase lending penetration in bank assessment areas
  • Effectively communicate the progress and outcomes of the loans to the buyers, developers, and realtors, as well as maintain precise accounts of the amount of loans written and closed to meet quotas and report accurately; dedication to reviewing and training of changing policies, procedures, and laws to ensure total compliance
  • Analyze loan data and trends as needed to support loan growth, CRA performance, and support of the Bank's Strategic Plan
  • File appropriate compliance reports with regulatory agencies
  • Oversee lending records for the retention levels relative to banking laws and requirements
  • Remain current and monitor compliance developments in the marketplace; make recommendations as appropriate
  • Evaluate the accuracy of data related to the Home Mortgage Disclosure Act (HMDA) and the Community Reinvestment Act (CRA)
  • Prepare and electronically submit the annual HMDA and CRA Loan Application Register to the Federal Reserve Bank
  • Appropriately assess risk when business decisions are made, demonstrating consideration for the firm's reputation, and safeguarding its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Program Coordinator

Community Development Corporation of Long Island
Centereach, NY
01.2016 - 01.2017
  • Conduct comprehensive individual one-on-one counseling sessions
  • Identify the required tools and establish a system for assessing mortgage-readiness status, triaging customers, identifying obstacles, developing corrective-action plans, assigning customer tasks and facilitating customer progress toward their goal
  • Participated with mortgage clients at NYS Foreclosure Settlement Conferences
  • Assist clients meeting deadlines, submitting documentation for reviews, apprising courts of errors, reviews, underwriting decisions
  • Assist clients to appeal process when errors arise
  • Assists with organizing foreclosure and post-purchase workshops and other group counseling vehicles
  • Assists with the development and implementation of a comprehensive marketing and outreach plan for recruiting customers and partners for the program
  • Diligently worked with leadership in support of new business development with emphasis in planning, organizing, researching, and responding to retail private label and co-brand opportunities in a uniform manner
  • Support strategic planning process for business development
  • Provide expertise, advice, guidance, direction, and support regarding the real estate transaction and mortgage process and consumer protection to First Time Home Buyers
  • Implement consumer protection and compliance regulations
  • Respond to complaints and inquiries via phone and in writing
  • Impart information to consumers, industry contacts, complainants, and others
  • Perform federal compliance audit including, but not limited to initial disclosures, Consumer Financial Protection Act, RESPA, HMDA, CRA, TILA, UDAP, FHA, ECOA, FACTA, FCRA, GLBA, and Flood Act
  • Implements proper procedures and internal controls necessary to maintain the security of all systems and confidentiality of all records
  • Coordinate with other agencies and regulators as well as other HUD offices/divisions (e.g., Office of General Counsel, Department of Justice, Federal Reserve Board, Federal Trade Commission, Office of Thrift Supervision, and state/county regulators)
  • Developed solid working relationships with developers, realtors, and not for profits in the development of low to moderate income housing.

Financial Literacy Counselor

Cypress Hills Development Corporation
Brooklyn, NY
01.2015 - 01.2016
  • Facilitated the offering of information to the community and the clients of the Foreclosure Prevention Programs and the foreclosure alternative options available as well as the First Time Home Buyers Programs
  • Conduct financial literacy seminars in English and Spanish to the community and the entities of the community to ensure education and assistance
  • Collection and disseminate educational materials for meetings
  • Consistent communication with the clients and the community liaisons to accurately report the progress in preventing foreclosures to the Director of Programs and/or recognizing Mortgage readiness
  • Oversee lending records retention relative to banking laws and requirements
  • Conduct regular, on-going, risk-based compliance and monitoring activities
  • Prepare accurate written reports and well-documented papers and supporting analyses
  • Remain current and monitor compliance developments in the marketplace; make recommendations as appropriate
  • Conduct comprehensive individual one-on-one counseling sessions
  • Identify the required tools and establish a system for assessing mortgage-readiness status, triaging customers, identifying obstacles, developing corrective-action plans, budgets, assigning customer tasks and facilitating customer progress toward their goal.

Customer Assistance Specialist

JP Morgan Chase Bank
Hauppauge, NY
01.2011 - 01.2014
  • Educated the borrower of the Foreclosure Modification Program and Foreclosure Alternative options available to them
  • Collection and review documents for the modification
  • Maintained precise notes on the file as well as maintain outstanding communication with the borrower to keep them informed of the process and outcomes
  • Counseled potential clients individually within the privacy act (FDCPA) policies and guidelines
  • Continuous review of information pertaining to changes in the law, ensuring total compliance
  • Remain current and monitor compliance developments in the marketplace; make recommendations as appropriate.

Foreclosure Prevention Counselor

Cypress Hills Development Corporation
Brooklyn, NY
01.2009 - 01.2011
  • Facilitated the offering of information to the community and the clients of the Foreclosure Prevention Programs and the foreclosure alternative options available
  • Conduct foreclosure prevention seminars in English and Spanish to the community and the entities of the community to ensure education and assistance
  • Collection and disseminate educational materials for meetings
  • Consistent communication with the clients and the community liaisons to accurately report the progress in preventing foreclosures to the Director of Programs
  • Oversee lending records retention relative to banking laws and requirements
  • Conduct regular, on-going, risk-based compliance and monitoring activities
  • Prepare accurate written reports and well-documented work papers and supporting analyses
  • Remain current and monitor compliance developments in the marketplace; make recommendations as appropriate.

Community Lending Officer

JP Morgan Chase Bank
Bayside, NY
01.2004 - 01.2008
  • Chair as a member of the Community Reinvestment Act (CRA), team, responsibilities consisted of educating and counseling low to moderate income individuals of the mortgage process
  • Collect and review documentation originations of the mortgage and successful closed loans
  • Developed solid working relationships with developers, realtors, and not for profits in the development of low to moderate income housing
  • Effectively communicate the progress and outcomes of the loans to the buyers, developers, and realtors, as well as maintain precise accounts of the amount of loans written and closed to reach quotas and report accurately; dedication to reviewing and training of changing policies, procedures, and laws to ensure total compliance
  • Analyze loan data and trends as needed to support loan growth, CRA performance, and support of the Bank's Strategic Plan
  • File appropriate compliance reports with regulatory agencies
  • Oversee lending records retention relative to banking laws and requirements
  • Remain current and monitor compliance developments in the marketplace; make recommendations as appropriate
  • Evaluate the accuracy of data related to the Home Mortgage Disclosure Act (HMDA) and the Community Reinvestment Act (CRA)
  • Prepare and electronically submit the annual HMDA and CRA Loan Application Register to the Federal Reserve Bank
  • Analyze loan data and trends as needed to support loan growth, CRA performance, and support of the Bank's Strategic Plan.

Foreclosure Advisor

  • Utilizing policies, procedures, and guidelines; successfully resolved mortgage modifications for over five hundred individuals in foreclosure.

Mortgage Loan Officer

  • Developed solid working relationships with developers, realtors, and not for profits in the development of low to moderate income housing
  • Facilitation in assisting over five hundred home buyers in securing a mortgage for a home
  • Successfully conducted educational seminars in English and Spanish to first time homebuyers regarding the process and procedures of applying for a mortgage and the various mortgage products available for a successful home buying experience
  • Exceptional dedication to training and ensuring accurate and comprehensive knowledge pertaining to continual changing policies and procedures
  • Maintain an in-depth, current understanding of Bank products, credit programs and activities as well as Federal and State laws and regulations governing them, including consumer credit, lending, collections, deposit products, retail sales and marketing
  • Conduct periodic internal reviews or audits to ensure that compliance procedures are met
  • Partner with departmental management for the development of new products and/or delivery systems and modifications; identify compliance related issues or new requirements.

Education

20+ years relevant experience, leadership skills, effective working relationships with bank partners, and relationship management. Exceptional consulting and presentation skills; ability to probe and listen to help clarify inquiries, gather, and present at seminars. Independent worker. Collaborate well with colleagues.

Skills

  • Banking Products & Systems
  • Strategic Planning/Analysis
  • Policy & Procedures
  • Anti Money Laundering
  • Fair Debt Collection Practices
  • Community Reinvestment Act
  • Regulations & Guidelines
  • Technology Proficiency
  • Solid Communication
  • Presentation Ability
  • Mortgage Modifications
  • Lending Institutions
  • Partnership Building
  • Sales Expertise
  • Networking
  • Partnership Development
  • Strategic Thinking
  • Reliability
  • Relationship Building
  • Event Planning and Execution
  • Multitasking
  • Active Listening
  • Task Prioritization
  • Problem-Solving Abilities
  • Organizational Skills
  • Excellent Communication
  • Adaptability and Flexibility
  • Professionalism
  • Effective Communication
  • Teamwork and Collaboration
  • Community Networking
  • Professional Demeanor
  • Time Management Abilities
  • Written Communication
  • Time Management
  • Self Motivation
  • Problem-Solving
  • Attention to Detail
  • Goal Setting

Banking Systems Proficiency

  • IVAULT
  • Fortracs
  • Mortgage Servicing Package (MSP)
  • Default Workbench (DW)
  • Info Source
  • Lender Live
  • Outlook
  • Excel
  • Zippy
  • Training Central
  • Customer Care Work Bench (CCW)
  • Agent Desktop (AG)
  • Lender Processing Services (LPS)
  • Bank One (VLS)

Bilingual

Read, write, and speak Spanish

Education Training

  • Anti Money Laundering & Counter Terrorist Financing (AML/CTF)
  • Know Your Customer (KYC)
  • Service Members Relief Act (SCRA)
  • Fair Credit Reporting Act (FCRA)
  • Patriot Act
  • Equal Credit Opportunity Act (ECOA)
  • Home Mortgage Disclosure Act (HMDA)
  • Real Estate Settlement Procedures Act (RSPA)
  • Dodd Frank
  • Fair Housing Act

Professional Highlights

  • Foreclosure Advisor: Utilizing policies, procedures, and guidelines; successfully resolved mortgage modifications for over five hundred individuals in foreclosure.
  • Mortgage Loan Officer: Developed solid working relationships with developers, realtors, and not for profits in the development of low to moderate income housing. Facilitation in assisting over five hundred home buyers in securing a mortgage for a home. Successfully conducted educational seminars in English and Spanish to first time homebuyers regarding the process and procedures of applying for a mortgage and the various mortgage products available for a successful home buying experience. Exceptional dedication to training and ensuring accurate and comprehensive knowledge pertaining to continual changing policies and procedures. Maintain an in-depth, current understanding of Bank products, credit programs and activities as well as Federal and State laws and regulations governing them, including consumer credit, lending, collections, deposit products, retail sales and marketing. Conduct periodic internal reviews or audits to ensure that compliance procedures are met. Partner with departmental management for the development of new products and/or delivery systems and modifications; identify compliance related issues or new requirements.

References

Available Upon request.

Languages

Spanish
Professional

References

References available upon request.

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline

Community Mortgage Development Officer - TD Bank, N.A.
11.2022 - 10.2023
Community Mortgage Development Officer - Santander Bank, N.A.
10.2017 - 05.2022
Program Coordinator - Community Development Corporation of Long Island
01.2016 - 01.2017
Financial Literacy Counselor - Cypress Hills Development Corporation
01.2015 - 01.2016
Customer Assistance Specialist - JP Morgan Chase Bank
01.2011 - 01.2014
Foreclosure Prevention Counselor - Cypress Hills Development Corporation
01.2009 - 01.2011
Community Lending Officer - JP Morgan Chase Bank
01.2004 - 01.2008
Foreclosure Advisor -
Mortgage Loan Officer -
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Nanette Jimenez