Ranee Curto
North Babylon,NY
Summary
Achieved high levels of customer satisfaction by effectively resolving mortgage-related issues. Drove operational efficiency through a commitment to integrity and service excellence. Authorized to work in the US for any employer.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Regional Sales Manager
Cliffco Mortgage Bankers
05.2022 - 06.2024
- Reviewed & structured files for loan officers prior to submission
- Quality control to ensure files were compliant with all current state & federal banking regulations
- Completed & submitted Pipeline reports daily to CFO
- Monthly commission reports submissions for team payroll
- Trained new loan officers on Encompass system
- Analyzed applications' financial status, credit, and properly evaluation to determine feasibility of granting loan
- Executed the loan origination process, including ordering credit, appraisals, and preliminary title reports
- Researched insurance information and Flood certificates
- Adhered to all federal and state compliance guidelines relative to mortgage lending
- Assisted loan officers with complex loan applications
- Contact borrowers to get any necessary and/or outstanding documentation in order to complete Transaction
Fannie Mae Underwriter / Senior Loan Processor
Citizens Bank
09.2019 - 05.2022
- Promoted to Underwrite Fannie Mae Conventional Loans -Reviewed Loans submitted to underwriting for Approval. Worked with Processors and Loan Officers to get loans cleared to close as quickly as possible
- Analyzed applications' financial status, credit, and properly evaluation to determine feasibility of granting loan
- Executed the loan origination process, including ordering credit, appraisals, and preliminary title reports
- Quality control to ensure files were compliant with all current state & federal banking regulations
- Researched insurance information and Flood certificates
- Adhered to all federal and state compliance guidelines relative to mortgage lending
- Assisted loan officers with complex loan applications
- Contact borrowers to get any necessary and/or outstanding documentation in order to complete and clear the loan closing process.
Senior Loan Processor
CHL Mortgage Services
08.2016 - 08.2019
- Analyzed applications' financial status, credit, and properly evaluation to determine feasibility of granting loan
- Executed the loan origination process, including ordering credit, appraisals, and preliminary title reports
- Researched insurance information and Flood certificates
- Adhered to all federal and state compliance guidelines relative to mortgage lending
- Assisted loan officers with complex loan applications
- Contact borrowers to get any necessary and/or outstanding documentation in order to complete and clear the loan closing process.
Office Manager/Senior Loan Processor
Hope Funding Group LLC
03.2003 - 08.2010
- Quality Control : /Compliance maintenance for entire office.
- Trained all new employees on LOS
- Performed daily maintenance of the loan application database
- Assisted in the daily operations of the office
- Restructured loans when necessary
- Assisted senior -level credit officers with complex loan applications
- Adhered to all federal and state compliance guidelines relative to mortgage lending
- Researched insurance information and Flood certificates
- Adhered to all federal and state compliance guidelines relative to mortgage lending
- Adhered to all federal and state compliance guidelines relative to mortgage lending
- Contact borrowers to get any necessary and/or outstanding documentation in order to complete and clear the loan closing process.
Education
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Long Island School of Real Estate
Hauppauge, NY12.2009
Associates of Business Arts - Finance and Business
Suffolk County Community College
Brentwood, NY12.1994
Regents Diploma - undefined
Copiague High School
Copiague, NY12.1991
Skills
- Navigated CHFA loan process to ensure compliance and enhance customer experience
- Specialized in Encompass program, enhancing efficiency and accuracy for 10 years
- Advised on FHA loan applications, utilizing extensive knowledge to facilitate successful outcomes
- Guided clients through conventional loan processes, utilizing extensive knowledge gained over a decade in the field
- Executed byte-level operations to optimize system performance and data integrity
- Implemented strategies to drive engagement and effectiveness of the EPIC program across departments
- Analyzed financial data and risk factors over five years to support informed decision-making in underwriting
- Executed strategic initiatives to optimize banking processes and improve overall operational efficiency
- Executed comprehensive mortgage servicing strategies, focusing on timely payment processing and effective communication with clients
- Guided clients through complex VA loan procedures, enhancing understanding and satisfaction throughout the financing journey
- Analyzed credit data and financial statements to provide insights for loan approvals and credit limit assessments
- Implemented management practices to streamline processes and improve team performance
- Implemented effective sales management techniques to drive market penetration and client retention
- Achieved improved customer satisfaction through effective use of CRM software for tracking interactions Enhanced team productivity by optimizing workflows within the software Drove increased sales opportunities by leveraging customer data for targeted outreach
- Evaluated borrower applications and coordinated loan origination activities to ensure compliance with lending standards
Certification
Certified Underwriter
Timeline
Regional Sales Manager
Cliffco Mortgage Bankers
05.2022 - 06.2024
Fannie Mae Underwriter / Senior Loan Processor
Citizens Bank
09.2019 - 05.2022
Senior Loan Processor
CHL Mortgage Services
08.2016 - 08.2019
Office Manager/Senior Loan Processor
Hope Funding Group LLC
03.2003 - 08.2010
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Long Island School of Real Estate
Associates of Business Arts - Finance and Business
Suffolk County Community College
Regents Diploma - undefined
Copiague High School