Rubie Joseph
Hauppauge,NY
Summary
Skilled professional with experience in managing loan portfolios, ensuring regulatory compliance, and facilitating accurate documentation. Strong focus on teamwork and delivering results. Adaptable to changing needs and reliable in high-pressure situations. Proficient in financial analysis, risk assessment, and utilizing loan software. Self-motivated and reliable with problem-solving and organizational skills.
Overview
5
5
years of professional experience
Work History
Commercial Loan Closer
Dime Community Bank
11.2024 - Current
- Prepare and review commercial loan documentation in compliance with underwriting terms, internal policies, and regulatory requirements
- Closed up to 6-7 loan files in a single business day while maintaining full compliance with regulatory and underwriting requirements.
- Prepared final closing disclosures and settlement statements for borrower review and approval.
- Utilized advanced organizational skills to manage multiple files simultaneously, prioritizing tasks based on urgency and importance.
- Reviewed loan documents for accuracy and compliance with regulatory standards.
- Coordinated closing schedules with clients, attorneys, and real estate agents to ensure timely transactions.
Senior Loan Operations Booking Specialist
Dime Community Bank
01.2024 - 11.2024
- Displaying team leadership while maintaining responsibilities held prior to promotion
- Monitoring documentation to ensure accuracy in booking department
- Consistently met or exceeded monthly revenue targets through diligent monitoring of bookings and upselling opportunities when applicable.
- Train and onboard new employees as well as drafting procedures to give direction on various types of loans and how to platform them on FISERV Navigator system
- Assure data input processes are consistent and maintain Bank standards/integrity
- Mentored junior staff on best practices for client interactions and appointment management procedures.
Loan Operations Booking Specialist I
Dime Community Bank
10.2021 - 01.2024
- Maintained bank’s loan accounting system through responsibility of record keeping and application of confidential loan information through booking and boarding on loan platform, FISERV Navigator Premier
- Review spreadsheet report reflecting loan statistics and details
- Revised and drafted procedures to inform/direct users in need of applying confidential loan information in FISERV Navigator system
- Analyze and monitor tax and insurance escrows, as well as collaterals
- Give precise preparation of all advance wire exchanges to incorporate but not constrained to credit installments progresses and distributions as well as general ledger transactions
Loan Servicing Specialist
Key Bank
10.2021 - 2021
- Perform accurate and timely maintenance on loans and lines of credit accounts based on request (Due date changes, Payoff Quotes, Extensions, ACH)
- Managed loan servicing operations to ensure timely processing and compliance with regulatory standards.
- Facilitated customer inquiries, providing accurate information regarding loan terms and payment schedules.
Loan Processor
Strategic Financial Solutions
05.2021 - 10.2021
- Determine validity of 100s of documents a day while documenting each tax document on Excel spreadsheets while collaborated with processing team
- Made 50+ phone calls a day to clients while maintaining company’s core values and assisting them with their concerns with consolidating debt
- Utilized Salesforce to configure applications with each client’s case and maintain organization with documentation that is submitted by clients
Document Reviewer
M&T Bank
02.2021 - 05.2021
- Reviewed 100s of files for charts in vault for mortgage loan issuers
- Utilized Excel to document identification of files according to corresponding customers
- Determine whether each document is an original deed or mortgage statement as information was outsourced to loan issuers
Education
Economics And Finance
SUNY Buffalo State
Buffalo, NYSkills
- Payment processing
- Loan modification
- Loan servicing experience
- Loan documentation mastery
- Effective communication
- Mortgage loan processing
- Microsoft office
- Data entry
- Interpersonal skills
- Professionalism
Timeline
Commercial Loan Closer
Dime Community Bank
11.2024 - Current
Senior Loan Operations Booking Specialist
Dime Community Bank
01.2024 - 11.2024
Loan Operations Booking Specialist I
Dime Community Bank
10.2021 - 01.2024
Loan Servicing Specialist
Key Bank
10.2021 - 2021
Loan Processor
Strategic Financial Solutions
05.2021 - 10.2021
Document Reviewer
M&T Bank
02.2021 - 05.2021
Economics And Finance
SUNY Buffalo State