Ruby Bezada
Fontana,CA
Summary
Dynamic Loan Processor and Account Manager with a proven track record, 20 year of mortgage experience, enhancing workflow efficiency through regulatory compliance and meticulous document management. Skilled in credit analysis and fostering teamwork, I consistently deliver exceptional customer service, ensuring timely loan processing and high client satisfaction.
Overview
8
8
years of professional experience
Work History
Loan Processor/ Account Manager
Capital Direct Funding
West Covina, CA
04.2022 - Current
- Processed loan applications efficiently, ensuring compliance with industry regulations and company policies.
- Reviewed financial documents for accuracy, verifying borrower information and credit history.
- Collaborated with underwriters to expedite loan approvals and resolve discrepancies in documentation.
- Maintained detailed records of loan files, facilitating seamless communication across departments.
- Assisted clients in understanding loan terms and conditions, enhancing customer satisfaction through clear explanations.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Set up and completed loan submission packages.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Promoted a positive work environment through effective communication skills and teamwork initiatives.
- Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
- Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
Loan Processor/ Account Manager
PRMG
Hesperia, CA
06.2018 - 03.2022
- Streamlined application processes by implementing new software tools, improving overall workflow efficiency.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Collaborated with other departments including sales, underwriting, legal teams for seamless coordination during the entire loan cycle process.
- Improved loan processing efficiency by streamlining documentation and communication procedures.
- Provided quick turnaround times to maintain fast-past schedule.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Maintained compliance with federal, state, and company regulations through regular review of updated guidelines.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Handled any conditions sent from underwriting departments.
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
Education
High School Diploma -
Baldwin Park High School
Baldwin Park06-1993
Skills
- Data entry
- Teamwork and collaboration
- Information verification
- Regulatory compliance
- File management
- Document review
- Loan disclosures
- Deadline management
- Attention to detail
- Employment verification
- Dedicated work ethic
- Credit analysis
- Document management
- Processing procedures
- Customer service
- Calyx Point
- Encompass
- Microsoft
- MLS
Accomplishments
- Training - Designed and executed one-month training program for company sales team, increasing employee productivity and product knowledge.
- Business Development: - Developed strong relationships with key referral sources which resulted in 12% increase in referrals over one-year period.
- Used Microsoft Excel to track and close loans efficiently.
Languages
English
Native or Bilingual
Spanish
Native or Bilingual
Timeline
Loan Processor/ Account Manager
Capital Direct Funding
04.2022 - Current
Loan Processor/ Account Manager
PRMG
06.2018 - 03.2022
High School Diploma -
Baldwin Park High School