Raye Ramos
Summary
Well-qualified financial systems leader offering demonstrated skill and success in managing internal accounting processes, improving controls and strengthening systems for optimal performance. Proficient in all aspects of accounting, including accounts payable and receivable, budget administration and payroll. Gifted in building and leading solid teams to handle high-volume operations with consistency, accuracy and full compliance with regulatory requirements.
Overview
16
16
years of professional experience
Work History
Accounting Manager
Neighborhood Effort
07.2023 - 07.2024
- Responsible for all financial aspects of 6 properties with a total of over 300 units, spanning from luxury to affordable housing.
- Completed semi-monthly payroll for company employees.
- Maintained organized electronic filing system for easy access of critical billing documents, optimizing workflow for the entire team.
- Reduced invoice discrepancies by consistently monitoring accounts receivable and following up on outstanding balances.
- Oversaw property taxes, state and federal regulations to ensure company compliance.
- Developed and implemented various procedures to improve accounting process.
Loan Review Analyst
AmeriHome Mortgage Company, LLC
09.2015 - 10.2022
- Reviewed and cataloged incoming documents using Doc Velocity to complete pending conditions prior to funding
- Proficient in loan programs such as FHA, FNMA, FHLMC, USDA, VA, VA IRRL, Home Possible, Home Ready, Streamline, and Adjusted Rate Mortgage.
- Continuously updated skills in statistical analysis software programs, increasing proficiency in various platforms.
- Reduced errors in financial reporting through diligent attention to detail and thorough verification processes.
- Balanced multiple projects simultaneously without compromising quality or missing deadlines.
- Verified income, assets, loan applications, AUS, DOT, credit reports, underwriting transmittals, appraisals, taxes, insurance, loan estimates, closing disclosures and DTI for correctness.
- Proficient in TRID.
- Ran third party vendor reports such as: Mavent, DU Earlycheck, LQA, Data Verify.
- Reviewed and cleared LQA issues, Mavent fails and Earlycheck fatals.
- Experienced with Encompass, LMS, and Doc Velocity.
Bankruptcy Specialist II
Bank of America
04.2014 - 12.2014
- Confirmed Motion for Relief (MFR) eligibility per investor guidelines.
- Processed MFR referrals nationwide, specializing on Government Sponsored Enterprise (GSE) loans; Fannie Mae and Freddie Mac.
- Conducted follow-up with Bankruptcy Trustees and Bankruptcy Counsel to resolve escalations and/ or inquiries referring to fund disbursements, processing delays, and direction based on case-by-case servicing.
- Prepared all documentation to be uploaded for tracking, monitoring and escalation of risk related issues.
Business Quality Assurance Analyst - Foreclosure Claims
Bank of America
09.2012 - 03.2014
- Filed investor claims to FNMA to recoup operation costs incurred from loan default to the foreclosure date.
- Examined, reconciled and closed paid out claims per investor guidelines and book loss non claimable fees.
- Audited FHA 601/Part A&B claims.
- Examined and validated claims, following proper guideline measures for claims to be submitted to FHA.
- Filed Mortgage Insurance claims to MI companies to recoup MI operating costs incurred from loan default to foreclosure date.
Finance Department- Account Payables/Receivables Associate
Valley Crest Companies
06.2008 - 02.2012
- Analyze and reconcile revolving accounts for 30+ branches
- Approve/reject special handling requests, met departmental deadlines
- Created a retention cataloging system and tracking template for special handling files
- Conducted motivational and team-building exercises in team meetings
- Apply monies from lock boxes to various cost centers using JD Edwards Enterprise One.
Skills
- Customer Service Oriented
- Professional Development
- Research & Analysis
- Payroll Processing
- AP and AR management
- Bookkeeping
- Bank Reconciliation
- Audits
References
Brian Ruelas AmeriHome Mortgage - (805)416-6890
Justin Smiley State Farm Insurance - (661)817-7311
Arax Harutunian Neighborhood Effort - (213)305-7694
Timeline
Accounting Manager
Neighborhood Effort
07.2023 - 07.2024
Loan Review Analyst
AmeriHome Mortgage Company, LLC
09.2015 - 10.2022
Bankruptcy Specialist II
Bank of America
04.2014 - 12.2014
Business Quality Assurance Analyst - Foreclosure Claims
Bank of America
09.2012 - 03.2014
Finance Department- Account Payables/Receivables Associate
Valley Crest Companies
06.2008 - 02.2012