Summary
Overview
Work History
Education
Skills
Timeline
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R. Catherine Rosales

San Antonio,Tx

Summary

To obtain a position which utilizes my extensive work experience, allows me to practice and enhance my knowledge in the Corporate industry. Well-qualified Realtor with proven success in improving operations and solving problems. Highly proficient in building lasting relationships with key decision makers, customers and team members to further company goals. Ready to leverage training and experience to take on new professional challenges.

Overview

35
35
years of professional experience

Work History

Realtor

IH 10 Realty
05.2005 - Current
  • Coordinated various aspects of real estate transactions such as inspections, appraisals, and financing arrangements, minimizing delays and challenges for clients.
  • Built lasting relationships with clients through excellent communication, personalized service, and dedication to their needs.
  • Developed strong knowledge of local market conditions, allowing for accurate pricing strategies and targeted marketing efforts.
  • Enhanced client satisfaction with diligent follow-up after closing, ensuring a positive experience overall.
  • Delivered exceptional customer service by addressing client concerns promptly and professionally throughout the entire transaction process.
  • Streamlined contract negotiations by meticulously reviewing documents and communicating clearly with all involved parties.
  • Collaborated with other agents to ensure timely closings and successful transactions for all parties involved.
  • Provided expert advice on property values, guiding clients to make informed decisions when buying or selling homes.
  • Ensured compliance with federal/state laws regulating real estate transactions.
  • Managed contracts, negotiations, and all aspects of sales to finalize purchases and exceed customer expectations.
  • Negotiated, facilitated, and managed real estate transactions.

Appraisal Administrator

SWBC - Southwest Business Corporation
10.2016 - 06.2020
  • Oversee residential appraisal review request and disputing appraisal values for customers of SWBC
  • Handled sensitive information discreetly, maintaining strict confidentiality at all times as required by company policy or legal regulations.
  • Provided exceptional customer service to both internal and external stakeholders through prompt response times and thorough issue resolution efforts.
  • Entered and maintained departmental records in company database.
  • Served as a liaison between departments, fostering open communication channels that improved overall organizational function.
  • Collected, arranged, and input information into database system.

Mortgage Tech - Contractor

United Services Automobile Association - USAA
05.2011 - 09.2013
  • Client Service Task Team answering member calls regarding the process for new home loans and refinance loans
  • Discussed the Appraisal order, completeness, and value of appraisals
  • Call center environment to consist of answering over 100 calls a day
  • Currently moved to Vendor relations team to assist with verification of income request to complete one of the required processes for loan approval
  • Requested and assisted with the filing of the 4506 T form required for loan approval
  • Assisted with other duties requested to assist in understaffed departments.

Mortgage Consultant

NACA - Neighborhood Corporation of America
08.2010 - 05.2011
  • Prepared new home buyers regarding qualification loan process
  • Consulted clients with the financial needs to purchase a home
  • Travel to all areas to state locations to assist with the home modification to save clients homes
  • Highly self-motivated as well as ability to work with all levels of real estate business partners, organizational and time management skills
  • Extensive knowledge of mortgage products and guidelines.

Mortgage Processing Specialist - Contractor

United Services Automobile Association - USAA
01.2008 - 08.2010
  • Process and underwrote 1st and 2nd mortgages for military personnel
  • Obtain and reviewed needed documents for verification to support loan request; income (verification of employment), assets (liabilities and debits), insurance (HOI and flood/wind/hail), title (vested and cleared) and appraisals (appraisal to support loan and sales contract)
  • All applications submitted online and communications through email
  • Most members' active duty located out of state or out of country
  • Scheduled signings and closing with Title companies at members locations
  • At most possible made smooth process requesting documentsonce, target and met closing deadlines within 30 days

Loan Coordinator

Washington Mutual Bank
10.2005 - 01.2007
  • Analyzed loan application package for completeness and accuracy, verify and validate supporting income, asset and liability documentation to support automated underwriting validation and within compliance of lending policies.
  • Calculating income and verification of employment, reviewing and verifying credit reports, analyze title report and appraisals
  • Applied knowledge of statewide requirements and procedures on 1st and 2nd mortgages; Home Equity and Line of Credit products.

Workflow Coordinator/Reconcilement Specialist

Bank of America
09.1999 - 01.2005
  • Responsible for coordination of all night Cash Vault operations to include receipt, organization and workflow distribution for 3rd & 2nd shift staff; Insure all deposits processed in timely manner and commercial customer accounts accurately credited; Verify and overwrite out-of-balance conditions; Review and assess necessary action and communication with other departments to meet bank deadlines; Manage 10 to 20 processing tellers to achieve successful results; Conduct routine audits to ensure effective work operations; Troubleshoot work issues in order to maintain with established work procedures, guidelines and manuals; Manage daily night tracking and closing of end of day cash vault; Assist with large currency orders to the Federal Reserve Bank and other customers.

Team Lead

Federal Reserve Bank of Dallas
02.1989 - 09.1999
  • Operated in fast-paced production environment of Item Processing Division
  • Reconcile, research and analysis out of balance conditions
  • Responsible for the General Ledger accounts to accurately credit or debit depositing financial institutes
  • Knowledge of high-speed check clearing process, worked under extreme deadlines
  • Prioritized and organized matrix for cross training employees.

Education

Some College (No Degree) - Real Estate

San Antonio Board of Realtors
San Antonio, TX

High School Diploma -

Thomas Jefferson High School
San Antonio, TX
05.1977

Skills

  • Client Relations
  • Contract Negotiation
  • Strong negotiation skills
  • Property Marketing
  • Pricing negotiation
  • Property Research
  • Real estate law understanding
  • Loan Processing
  • Administrative Support
  • Appraisals
  • Works well independently
  • Strong organizational skills

Timeline

Appraisal Administrator

SWBC - Southwest Business Corporation
10.2016 - 06.2020

Mortgage Tech - Contractor

United Services Automobile Association - USAA
05.2011 - 09.2013

Mortgage Consultant

NACA - Neighborhood Corporation of America
08.2010 - 05.2011

Mortgage Processing Specialist - Contractor

United Services Automobile Association - USAA
01.2008 - 08.2010

Loan Coordinator

Washington Mutual Bank
10.2005 - 01.2007

Realtor

IH 10 Realty
05.2005 - Current

Workflow Coordinator/Reconcilement Specialist

Bank of America
09.1999 - 01.2005

Team Lead

Federal Reserve Bank of Dallas
02.1989 - 09.1999

Some College (No Degree) - Real Estate

San Antonio Board of Realtors

High School Diploma -

Thomas Jefferson High School

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R. Catherine Rosales