Summary
Overview
Work History
Education
Skills
Timeline
Generic

Nicole Martinez

Alto

Summary

With 23 years of experience in the financial industry, this dedicated professional demonstrates a strong track record of independent decision-making and meticulous attention to detail. Exceptional analytical thinking skills enable effective analysis of complex financial data, resulting in well-informed recommendations. Thrives in dynamic environments, consistently adapting quickly to new challenges and changes.

Overview

21
21
years of professional experience

Work History

Loan Servicing Specialist

Independent Bank
09.2024 - Current
  • Utilized advanced software tools for efficient tracking, reporting, and analysis of key performance metrics within the loan servicing department.
  • Collaborated with cross-functional teams to develop and implement new loan servicing policies and procedures.
  • Enhanced customer satisfaction by promptly addressing and resolving complex loan servicing issues.
  • Conducted comprehensive audits of loan servicing files to identify discrepancies and ensure compliance with regulatory requirements.
  • Provided expert guidance to borrowers regarding repayment options, assisting them in making informed financial decisions.
  • Ensured accuracy in all aspects of loan administration, including billing, payment processing, and record maintenance.

Loan Processor

Brillient Corporation
07.2020 - 05.2022
  • Company Overview: (Contractor for SBA)
  • Independently manages an assigned portfolio of loans and concentrates on loans delinquent for the purpose of securing payments to bring the loan current by making telephone call and writing collection letters to borrowers
  • Keeps loan specialists informed of borrower's payment record referring delinquent loans over one hundred twenty days (12) for further action by loan officers
  • Prepares summary recommendation to supervisory or lead loan specialist for review or appropriate actions
  • Ensures all routine transactions requirements are accomplished for assigned loans
  • Spreads and analyzes borrower's financial statements, compares with statements previously furnished to determine trends in financial condition and to determine compliance with loan terms and conditions, particularly with respect to salaries, whether pledged assets have been disposed of and whether additional assets have been acquired
  • Brings to the attention of the supervisory loan specialist and/or lead loan specialist any adverse change in financial condition or any serious violation of loan agreement
  • Prepares and analyzes information to develop transaction documents, such as the SBA Form 327, involving, for example, deferment of payments, extension of loan maturity, temporary increase/decrease of installment payments, charge off and referral to treasury, etc…
  • This requires the ability to read and analyze financial statements to determine whether the borrower's request should be approved or declined
  • In doubtful or more difficult cases, consults with lead loan specialists and possibly, a SBA supervisory loan specialist
  • Answers basic credit requests from individual borrowers, banks, and other financing agencies
  • This involves stating whether or not the loan is current, the original amount of the loan, the loan balance, and our experience with the borrower
  • Able to complete tasks related to loan administration such as loan collections, charging off loans, ordering lien searches, making minor modification to loans and transferring loans to and from liquidation status
  • Highly skilled in oral and written communication to extract needed information and to ensure effective response to SBA borrowers or stakeholders

Loan Officer - Real Estate Loan Servicing

New Bedford Credit Union
11.2018 - 11.2019


  • Analyze credit history of applicants and determine loan repayment capabilities
  • Negotiate credit terms, such as costs, loan repayment methods and collateral specifications
  • Approval authority within Loan Policy limits and is granted at the discretion of the Vice President of Lending
  • Management approval is required when solution is not within normal policy limits
  • Maximize profitability through appropriate pricing of new loan originations, fee income, and selling of all credit union products and services
  • Support credit union member relations through on-going customer contact, quality customer service, and superior product knowledge
  • Oversee the review of loan files for complete and accurate documentation
  • Preparation of title and mortgage discharge information
  • Prepare Real Estate tax payments and escrow analysis
  • Maintain force-placement of homeowner's or flood insurance on real estate property, if needed
  • Oversee that HMDA information related to real estate property is properly entered
  • Review various loan reports daily and perform appropriate maintenance on member related accounts as needed
  • Ensure accurate credit reporting and error resolution in accordance with FCRA
  • Prepare loans for sale on the secondary market and reconcile the general ledger accounts associated with the secondary market


Closing Coordinator

Pardee Homes
11.2013 - 05.2014


  • Responsible for accuracy and completeness of all purchase agreements received through DocuSign program
  • Uploading and creating new contract packages for buyer's home purchase
  • Provide support to Sales Team as well as Lender and Escrow services by efficiently amending terms, providing status of closing and monitoring buyer and third-party compliance
  • Coordinating and communicating with related departments with Pardee Homes to expedite escrow closings in a professional and courteous manner
  • Improved customer satisfaction by providing timely updates on the status of closings and addressing any concerns or questions promptly.
  • Streamlined the closing process for clients by coordinating with multiple parties, including lenders, attorneys, and real estate agents.

Loan Processor

Bishop and Company, Inc. (Temp Agency)/ First Hawaiian Bank
07.2013 - 10.2013
  • Establish, maintain, and update files, databases, records, and/or other documents for recurring internal reports
  • Open Escrow and order preliminary title reports
  • Compile income, asset and appraisal documentation for customer files and enter intakes to data management system for processing and assessment
  • Assure that all customer files are complete and in compliance with regulatory agencies and internal policies, prepare commitment letters, denial letters and cancel files when necessary
  • Maintain pipeline reports and notify management of status as needed
  • Provided exceptional customer service by addressing borrower concerns and resolving issues in a timely manner.
  • Handled any conditions sent from underwriting departments.
  • Conducted credit analyses on applicants to assess risk levels prior to approval decisions.

Prefunding Quality Control

First Bank Mortgage
02.2013 - 04.2013
  • Request and analyze results from data integrity and fraud detection tools
  • Request third party verification of information provided by applicant
  • Review documents and identify areas of risk
  • Confers with underwriters, Processors, and Loan Officers to aid in resolving issues that arise during the quality control check
  • Maintained accurate records of all funding activities, ensuring compliance with donor requirements and regulations.
  • Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.

Consumer Affairs Representative Team Leader II

Hamilton Beach
09.2010 - 02.2013
  • Company Overview: Southern Pines, NC
  • Support and provide superior service via phone, emails, and faxes as a receiver and caller
  • Use questioning and listening skills that support effective telephone communication
  • Understand the impact of attitude in handling calls professionally
  • Apply the elements of building a positive rapport with different types of customers over the phone and via emails
  • As a team leader, assisting other CST's with various questions
  • Assisting management in hiring of other CSR's
  • Southern Pines, NC

Post Closing

Mega-Force Staffing Services (First Bank Mortgage)
12.2009 - 09.2010
  • Review closing documents for all signatures and accuracy and stack documents in stacking order
  • Complete FHA and VA application on website and submit payments
  • Scan all closing documents into the imaging system and send to investors for purchase
  • Send outstanding documents requested by investor after loan has been purchased
  • Completed post-closing quality control evaluations of originated mortgage loans.
  • Actively participated in ongoing professional development opportunities to stay current on industry trends and regulations.
  • Streamlined post-closing processes for increased efficiency and reduced turnaround time.

Escrow Assistant

Lawyers Title Co.
12.2003 - 05.2008
  • Developed strong relationships with clients through excellent customer service, fostering trust and loyalty.
  • Assisted with the successful closing of numerous escrow transactions, ensuring all parties were informed and satisfied.
  • Obtained documents such as proof of insurance and HOA statements.
  • Efficiently processed incoming funds from buyers and disbursed funds to sellers upon closing transactions successfully.
  • Maintained open communication with lenders, brokers and borrowers.
  • Followed-up on status of releases, policies, and return of recorded documents.
  • Supported team members in managing their workload, contributing to a more productive work environment.
  • Maintained organized files for easy access, increasing team efficiency during transaction reviews.
  • Facilitated smooth document signing appointments, ensuring clients understood each step of the process.

Education

High School Diploma -

Western High School
Las Vegas, NV

Skills

  • Proficient Computer Skills
  • 40 Words Per Minute Typing Speed
  • Effective Phone Communication
  • Strong Written Communication
  • Effective Communicator
  • Customer-Centric Approach
  • Effectively Manages Stress
  • Administrative Support Professional
  • Positive Attitude
  • Proficient Clerical Skills

Timeline

Loan Servicing Specialist

Independent Bank
09.2024 - Current

Loan Processor

Brillient Corporation
07.2020 - 05.2022

Loan Officer - Real Estate Loan Servicing

New Bedford Credit Union
11.2018 - 11.2019

Closing Coordinator

Pardee Homes
11.2013 - 05.2014

Loan Processor

Bishop and Company, Inc. (Temp Agency)/ First Hawaiian Bank
07.2013 - 10.2013

Prefunding Quality Control

First Bank Mortgage
02.2013 - 04.2013

Consumer Affairs Representative Team Leader II

Hamilton Beach
09.2010 - 02.2013

Post Closing

Mega-Force Staffing Services (First Bank Mortgage)
12.2009 - 09.2010

Escrow Assistant

Lawyers Title Co.
12.2003 - 05.2008

High School Diploma -

Western High School

Similar Profiles

CREATE PROFILE
Nicole Martinez