Summary
Overview
Work History
Skills
Certification
Timeline
Generic

Ruben Vasquesz

Lake Worth,FL

Summary

Seasoned mortgage professional proficient in multiple Loan Origination systems. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Hardworking and passionate job seeker with strong organizational skills. Ready to help team achieve company goals. Ability to handle multiple projects simultaneously with a high degree of accuracy. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.

Overview

18
18
years of professional experience
1
1
Certification

Work History

Loan Coordinator

GUARANTEED RATE
01.2016 - 07.2024
  • Trained new team members on company policies, procedures, and industry regulations to ensure a high level of service quality.
  • Managed client expectations by clearly communicating terms, conditions, requirements, and timelines throughout the loan process.
  • Stayed informed about regulatory changes, ensuring compliance within all daily operations and avoiding costly penalties or delays.
  • Collaborated with other departments to resolve issues quickly, maintaining seamless workflow during busy periods.
  • Utilized advanced software tools to efficiently manage pipelines, prioritize tasks, track progress, and meet deadlines consistently without sacrificing accuracy or quality of work output.
  • Maintained strict confidentiality of bank records and client information.
  • Evaluated loan requests and documents to verify accuracy and completeness.
  • Satisfy all outstanding UW conditions in order to obtain a “Clear to Close” loan.
  • Place all applicable third-party orders per UW approval
  • Re-run Automated Underwriting System as necessary to ensure approval.
  • Re-disclose as needed and communicate changes to team/borrower.
  • Organize the file for complete and proper UW submission, anticipating all potential company and investor requirements and submit file with intent of “Clear to Close”.
  • Prepare file for the closing dept to make sure everything is ready for a smooth closing.
  • Work with the title company and all parties to confirm final date and time.

Correspondent Suspense Coordinator

FINANCE OF AMERICA MORTGAGE LLC
01.2015 - 01.2016
  • Cleared all exception from Deutsche Bank
  • Coordinated with Lender, Deutsche Bank and our team to ensure we dry the Notes in a timely manner.
  • Worked on new files and uploaded require doc’s into Deutsche Bank system.
  • Scrub Note and Exception report from Deutsche Bank

Junior Loan Processor

FOUNDATION MORTGAGE And WCS LENDING
04.2012 - 01.2015
  • Supported senior processors with complex loan files, ensuring timely completion and accurate information submission.
  • Provided quick turnaround times to maintain fast-past schedule.
  • Ordered all third party doc's , hazard, title, VOE, VOM, review appraisals.
  • Ensured all information is accurate and in compliance.
  • 1003 to match all items reflected on the loan package.
  • Meeting all RESPA, compliance and regulatory items for each file.

Closing Assistant and Funder

J.P. Morgan Chase
07.2006 - 04.2012
  • CLOSING ASSISTANT:
  • Coordinated with sellers, buyers, escrow agents, and real estate agents to complete loan submissions and scheduled closing dates.
  • Accuracy of Good Faith Estimates to ensure they are in compliance with all RESPA Guidelines.
  • Wired our funds for closings daily by 4:00pm cutoff.
  • Confirmed all funded loans are in HMDA and CAPS system.
  • FUNDER:
  • Coordinated with various title agents, brokers and account executives to authorize funding’s on all Rural Housing Loans.
  • Confirmed accurate fundings, lien payoffs and final mortgage recordings by collaborating with real estate agents, loan officers, and attorneys.
  • Review, prepare and approved final closing disclosure on all loans.
  • Run High Cost Tests on various lending states to make sure it passes regulations.

Skills

  • Underwriting guidelines
  • Debt-to-Income Ratios
  • Insurance Verification
  • Employment Verification
  • Asset Verification
  • Mortgage Knowledge
  • Credit
  • Attention to Detail
  • Analytical and Critical Thinking

Certification

  • BSA and AML
  • Fair Lending
  • System – Encompass
  • BAI: SAFE Act and Loan Originator Requirements
  • BAI: Fraud Prevention
  • BAI: Appraisals and Evaluations: Essentials (BAI Mortgage Series)
  • BAI: The URLA Form (Mini-Course)
  • Marketing and Advertising
  • Communication Laws
  • Gramm-Leach Bliley Act
  • Unfair, Deceptive or Abusive Acts or Practices
  • Bank Secrecy Act and Anti-Money Laundering

Timeline

Loan Coordinator

GUARANTEED RATE
01.2016 - 07.2024

Correspondent Suspense Coordinator

FINANCE OF AMERICA MORTGAGE LLC
01.2015 - 01.2016

Junior Loan Processor

FOUNDATION MORTGAGE And WCS LENDING
04.2012 - 01.2015

Closing Assistant and Funder

J.P. Morgan Chase
07.2006 - 04.2012

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Ruben Vasquesz