Robinson D. Fernandez
Pembroke Pines ,FL
Summary
Operations Manager and Licensed Mortgage Broker with experience overseeing full-cycle mortgage operations, regulatory compliance, and team performance. Skilled in optimizing workflows, managing production metrics, preparing NMLS federal reports, and ensuring high-quality loan files across Conventional, FHA, VA, USDA, and NON-QM programs. Recognized for improving operational efficiency, training staff, and maintaining alignment with investor, state, and federal lending standards.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Operations Manager, Mortgage Broker
Dream House Mortgage
06.2024 - Current
- Streamlined operational processes to enhance efficiency, reduce turnaround times, and improve overall loan pipeline performance.
- Analyzed performance and production metrics to identify areas for process improvement, compliance risk, and cost reduction.
- Developed and implemented strategic operational policies aligning daily activities with organizational goals and regulatory standards.
- Oversaw all NMLS Federal Mortgage Call Reports (quarterly & annual), ensuring timely and accurate submission in accordance with federal requirements.
- Managed and analyzed monthly loan production data to support executive planning, audit readiness, forecasting, and performance monitoring.
- Managed vendor and lender relationships, negotiating service terms and maintaining high-quality standards across third-party providers.
- Supervised operations staff, ensuring adherence to company policies, investor guidelines, and federal/state lending regulations.
- Conducted regular performance reviews, identifying skill gaps and implementing corrective action plans to improve quality and productivity.
- Ensured operational compliance by maintaining accurate regulatory records, audit documentation, and reporting requirements.
AM, Mortgage Broker
Complete Mortgage LLC (Previously Known as Residential Savings)
04.2021 - 06.2024
- Liaison between broker, lenders, and borrowers to apply for loans and obtain ideal financing for home purchases.
- Assessed clients' financial data to determine loan suitability.
- Analyze and review Credit Reports, Business Accounts, Personal and Business Financials, P&L, Balance Sheets, Tax Returns, and the value of collateral before recommending best programs available at lenders (Point, Lakeview, UWM, Quontic, ect.)
- Explained entire mortgage loan process to borrower.
- Educate new Loan Originators on how to use LendingPad/Calyx, and train processors on how to upload applications to 3rd party lenders.
- Expert at preparing URLA (1003) by taking standardized guidelines issued by government-sponsored enterprises, Fannie Mae and Freddie Mac to generate Loan Estimates and pre-approvals letters for applicants after running DU/LP or GUS.
- Structure loans based on borrower’s qualifications to obtain products like Conventional, FHA (HUD), VA, USDA, NON-QM, among other financial services offered from lending institutions and private investors.
- Started and completed loan processing from lead generation to settlement.
- Handled any conditions sent from underwriting departments.
- Set up and completed loan submission packages.
- Coordinated closing process with attorneys, title companies.
- Assisted mortgage brokers in preparing loan documentation and processing applications.
Mortgage Assistant
Residential Savings Mortgage
06.2020 - 04.2021
- Reviewed loan files and updated to match current standards.
- Oversaw scheduling of timely loan closing to satisfy borrower needs.
- Reviewed and validated details of loan applications and closing documentation.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Set up, stored and updated customer files, department records and regulatory compliance paperwork.
- Verified credit histories, personal references and employment backgrounds for each applicant.
Assistant Manager of Operations
Novus Shoes Inc.
09.2018 - 04.2020
- Used weekly financial data to analyze company growth and optimize operational strategies.
- Trained and mentored new employees.
- Increased efficiency to maintain productivity targets
- Processed cash, credit, debit and check payments.
- Opened and closed store, making deposits and storing and filing all daily paperwork.
- Trained team members in successful strategies to meet operational and sales targets.
- Led operational initiatives to enhance workflow efficiency and reduce turnaround time.
- Managed inventory control processes, ensuring optimal stock levels and accuracy.
Education
Bachelor of Science - Political Science
Florida International University
Miami, FL06-2026
Associate of Arts -
Broward College
Fort Lauderdale, FL05-2024
Skills
- Creditworthiness determination
- Processing and structuring loan applications
- Knowledge of Conventional, FHA, VA, USDA, and NON-QM guidelines
- Ethical business conduct and regulatory compliance
- Negotiation tactics and vendor relationship management
- Performance analysis and production data tracking
- Ability to work under pressure and adapt quickly
- High level of responsibility and strong team support capability
- Proficient with LendingPad and Calyx Point
- Skilled with lender portals and technology platforms
- Strong verbal, written, and interpersonal communication skills
- Proficient with modern office technology and digital workflows
- Team leadership
Certification
- Licensed [Mortgage Broker] NMLS #2011020 (FL, GA, TX)
- Business Management Certificate
- Business Operations Certificate
- Business Specialist Certificate
- Business Accounting Specialist Certificate
Languages
Spanish
Native or Bilingual
English
Native or Bilingual
Timeline
Operations Manager, Mortgage Broker
Dream House Mortgage
06.2024 - Current
AM, Mortgage Broker
Complete Mortgage LLC (Previously Known as Residential Savings)
04.2021 - 06.2024
Mortgage Assistant
Residential Savings Mortgage
06.2020 - 04.2021
Assistant Manager of Operations
Novus Shoes Inc.
09.2018 - 04.2020
Bachelor of Science - Political Science
Florida International University
Associate of Arts -
Broward College