Ruben Chacon
Deltona,FL
Summary
Organized Mortgage Loan Officer with 8.5 years of experience in Residential Mortgage Loans. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations.
Lead Pet Care Associate with history of delivering exceptional care to animals in various settings. Passionately promotes health and optimal wellness by providing quality support. Careful to observe animals and communicate concerns to help optimize care.
Retail sales professional versed in product placement and merchandising. Extensive experience in inventory management and shipment processing.
Overview
18
18
years of professional experience
Work History
Mortgage Loan Originator
Home1st Lending LLC
07.2024 - Current
- Worked with underwriters to fix application problems and resolve issues.
- Collaborated with underwriters, processors, and other team members to resolve issues, ensuring smooth transactions for all parties involved.
- Analyzed applicant financial data to determine eligibility for various loan products, tailoring recommendations based on individual needs.
- Maintained up-to-date knowledge of industry regulations, changes, and trends to provide accurate advice to clients.
- Contributed towards achieving branch sales targets through consistent performance in meeting personal goals as well as supporting team members when needed.
- Provided exceptional customer service throughout the entire loan process from initial consultation to closing day.
Mortgage Loan Originator
Local Bank
01.2024 - 06.2024
- Worked with underwriters to fix application problems and resolve issues.
- Collaborated with underwriters, processors, and other team members to resolve issues, ensuring smooth transactions for all parties involved.
- Analyzed applicant financial data to determine eligibility for various loan products, tailoring recommendations based on individual needs.
- Maintained up-to-date knowledge of industry regulations, changes, and trends to provide accurate advice to clients.
- Contributed towards achieving branch sales targets through consistent performance in meeting personal goals as well as supporting team members when needed.
- Provided exceptional customer service throughout the entire loan process from initial consultation to closing day.
Operations Manager
Bank of England Mortgage
02.2016 - 12.2023
- Supervised operations staff and kept employees compliant with company policies and procedures.
- Empowered employees to take ownership of their responsibilities, leading to increased accountability and improved performance outcomes.
- Led hiring, onboarding and training of new hires to fulfill business requirements.
- Established positive and effective communication among unit staff and organization leadership, reducing miscommunications, and missed deadlines.
- Analyzed and reported on key performance metrics to senior management.
- Identified and resolved unauthorized, unsafe, or ineffective practices.
- Developed and implemented strategies to maximize customer satisfaction.
Delivery Merchandiser
City Beverages
04.2015 - 02.2016
- Set up and maintained merchandise and sales promotion displays.
- Supported inventory control efforts by accurately counting delivered items against purchase orders and invoices upon arrival at each destination point.
- Maintained neat appearance of equipment and product in assigned accounts.
- Picked up damaged and out-of-date product, empty shells and vacant pallets.
- Enhanced customer satisfaction by providing timely and accurate deliveries, ensuring products reached their intended destinations.
- Maintained a clean and organized vehicle, promoting a positive company image to customers and the public.
- Completed route deliveries to convenience stores and grocery stores.
Lead Pet Care Associate
PetSmart
10.2012 - 04.2015
- Maintained a clean and sanitary environment for pets by regularly cleaning enclosures, bedding, and play areas.
- Provided exceptional customer service through clear communication, timely responses to inquiries, and professional demeanor at all times.
- Monitored animal behavior closely to identify signs of distress or illness promptly and took appropriate action when needed.
- Enhanced customer satisfaction by providing personalized pet care services tailored to individual needs.
- Greeted pet owners and went over available services, outlined costs, and determined special needs of animals under care.
- Delivered continuous focus and attention to lodged animals, promoting high level of care and oversight.
- Operated cash register for cash, check, and credit card transactions with excellent accuracy levels.
Deliver Driver
Pizza Hut
07.2011 - 10.2012
- Improved customer satisfaction by consistently delivering orders on time and with accuracy.
- Verified orders prior to completing deliveries to avoid customer complaints.
- Maintained a clean driving record, ensuring safe and responsible transportation of food items.
- Managed cash and credit card transactions accurately, minimizing discrepancies in daily sales reports.
- Processed payments by accepting cash, checks and credit and debit card payments.
- Interacted professionally with customers in person or by phone and acted with sense of urgency to drive positive customer experience.
Lead Pet Products Associate
PetSmart
08.2009 - 09.2011
- Streamlined product inventory management with efficient tracking and restocking procedures.
- Participated in regular inventory audits to ensure accurate stock levels were maintained throughout the store.
- Kept current with promotional events within the store environment, effectively communicating them to customers seeking suitable pet products.
- Crosstrained in multiple departments to provide comprehensive support across all aspects of the business when needed.
- Handled customer inquiries regarding pet nutrition, offering informed advice on food options tailored to individual pets'' dietary needs.
- Enhanced store presentation by maintaining clean, organized, and visually appealing displays of pet products.
- Assisted in the training of new employees, sharing expertise in pet product knowledge and customer service techniques.
- Managed the timely processing of incoming shipments, inspecting products for quality assurance before placing them on shelves.
- Increased customer satisfaction by providing knowledgeable and friendly assistance in selecting pet products.
Team Leader
Petco
07.2006 - 08.2009
- Established open and professional relationships with team members to achieve quick resolutions for various issues.
- Increased customer satisfaction ratings by closely monitoring service quality standards and addressing any issues promptly.
- Worked effectively in fast-paced environments.
- Proven ability to learn quickly and adapt to new situations.
- Worked well in a team setting, providing support and guidance.
- Maintained neat and organized backroom to easily access merchandise and drive sales.
- Labeled, organized and located inventory items in staging areas or on shelves according to quantity, size, or type of material.
- Set up displays of merchandise to market new products to customers.
- Implemented effective stock rotation strategies to minimize waste and maintain product freshness.
- Collaborated closely with sales teams to ensure adequate stock levels based on customer demands and seasonal trends.
- Conducted regular inventory audits to maintain system accuracy against physical stock.
- Managed team of stock clerks to ensure efficient and error-free stock handling.
- Quickly and accurately counted drawers at start and end of each shift.
- Resolved customer complaints quickly to maintain customer satisfaction.
- Maintained a clean and sanitary environment for pets by regularly cleaning enclosures, bedding, and play areas.
- Monitored animal behavior closely to identify signs of distress or illness promptly and took appropriate action when needed.
- Improved pet health and wellbeing by administering medication, conducting routine checkups, and addressing any special needs.
- Greeted pet owners and went over available services, outlined costs, and determined special needs of animals under care.
Education
Associate of Arts - General Studies
Valencia College
Orlando, FL05.2010
High School Diploma -
J. P. Taravella High School
Coral Springs, FL06.2005
Skills
- Loan structuring
- Pipeline Management
- Underwriting guidelines
- Residential mortgage lending regulations
- Loan Processing
- Document Preparation
- Licensed Mortgage Loan Originator
- Cash Handling
- Customer Complaint Resolution
- Merchandise Restocking
- Retail Merchandising
- Product Merchandising
- Product Recommendations
- Forklift Operation
- Loading and unloading
- Pet feeding and care
- Small Animal Care
- Animal Nutrition
- Shipment Receiving
- Reptile care
- Aquatic Care
- Animal Care
Timeline
Mortgage Loan Originator
Home1st Lending LLC
07.2024 - Current
Mortgage Loan Originator
Local Bank
01.2024 - 06.2024
Operations Manager
Bank of England Mortgage
02.2016 - 12.2023
Delivery Merchandiser
City Beverages
04.2015 - 02.2016
Lead Pet Care Associate
PetSmart
10.2012 - 04.2015
Deliver Driver
Pizza Hut
07.2011 - 10.2012
Lead Pet Products Associate
PetSmart
08.2009 - 09.2011
Team Leader
Petco
07.2006 - 08.2009
Associate of Arts - General Studies
Valencia College
High School Diploma -
J. P. Taravella High School
Similar Profiles
Analice KonitzerAnalice Konitzer
Corporate Bookkeeper at Home1st Lending, LLCCorporate Bookkeeper at Home1st Lending, LLC
Amanda BeverlyAmanda Beverly
Executive Assistant (Remote) at Ideal Lending/Brick Lending LLCExecutive Assistant (Remote) at Ideal Lending/Brick Lending LLC
Ivan BrikhoIvan Brikho
Team Captain at Dynagen Lending LLCTeam Captain at Dynagen Lending LLC