Overview
Work History
Education
Skills
Timeline
Generic

Ruby Espinoza

Edinburg,IL

Overview

10
10
years of professional experience

Work History

Escrow Assistant

Capital Title Of Texas
McAllen, TX
11.2020 - Current
  • Obtained documents such as proof of insurance and HOA statements.
  • Maintained open communication with lenders, brokers and borrowers.
  • Scheduled signings and gathered required paperwork.
  • Prepared estimated closing statements for buyer and seller.
  • Studied and clarified buyer, seller and lender instructions to determine escrow requirements.
  • Checked signatures and legal descriptions for accuracy and integrity.
  • Opened incoming orders and set up escrow files within 1 hour of receiving purchase agreement.
  • Reviewed escrow accounting reports and resolved outstanding check or open file balance issues.
  • Communicated requirements and title exception information to clients.
  • Prepared documents for closing and handled complete disbursement and follow up of escrow transactions.
  • Set up escrow transactions, processed deposits and mailed out forms and preliminary title reports for review.
  • Returned executed loan packages to lender for review and approval in accordance with lender instructions.
  • Scheduled closing appointments for seller and buyer or arranged for delivery of documents for out of area closings.
  • Followed-up on status of releases, policies and return of recorded documents.
  • Prepared and delivered projected HUD-1 settlement statements to lender upon request.
  • Forwarded title clearing documentation to title officer for approval.

Escrow Assistant

Sierra Title Of Hidalgo County
McAllen , TX
09.2019 - 11.2020
  • Obtained documents such as proof of insurance and HOA statements.
  • Maintained open communication with lenders, brokers and borrowers.
  • Scheduled signings and gathered required paperwork.
  • Prepared estimated closing statements for buyer and seller.
  • Facilitated clear and effective communication between brokers, borrowers
    and lenders.
  • Worked closely with team members to deliver project requirements,
    develop solutions and meet deadlines.
  • Provided excellent service and attention to customers when face-to-face or
    through phone conversations.
  • Demonstrated self-reliance by meeting and exceeding workflow needs.

Receptionist /Escrow Assistant

Sierra Title Of Hidalgo
McAllen , TX
03.2017 - 01.2019
  • Answered and directed incoming calls using multi-line telephone system.
  • Greeted visitors, assessed needs and directed to appropriate personnel.
  • Scheduled and confirmed closing appointments.
  • Oversaw office inventory by restocking supplies and submitting purchase
    orders.
  • Coordinated and communicated with clients daily to gather pertinent
    information.
  • Sorted incoming mail and directed to correct personnel each day.
  • Entered data into our SoftPro software to keep records of client's
    information.

Claims Adjuster

Fred Loya Insurance Agency Inc.
Edinburg, TX
10.2012 - 01.2014
  • Answered customer questions regarding deductibles.
  • Prepared summaries of damage, payments and policy coverage.
  • Examined claims forms and other records to determine insurance coverage.
  • Verified insurance claims and determined fair amount for settlement.
  • Evaluated insurance policies and analyzed damages to determine coverage.
  • Conducted comprehensive interviews of witnesses and claimants to gather facts and information.
  • Negotiated settlement agreements to resolve disputes.
  • Evaluated evidence with ultimate goal of creating positive outcomes for client's claims.
  • Investigated and assessed damage to property and reviewed property damage estimates.
  • Reviewed police reports, medical treatment records and physical property damage to determine extent of liability.
  • Reviewed and analyzed suspicious and potentially fraudulent insurance claims.
  • Reviewed new files to determine current status of injury claim and to develop plan of action.
  • Documented all investigation activity and presented reports to management.
  • Maintained claims data in data systems.
  • Substantiated legitimate claims and denied unjustified claims.

Customer Service Representative

Convergys
Pharr, TX
07.2007 - 05.2011
  • Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
  • Answered customer telephone calls promptly to avoid on-hold wait times.
  • Answered constant flow of customer calls with minimal wait times.
  • Offered advice and assistance to customers, paying attention to special needs or wants.
  • Recommended products to customers, thoroughly explaining details.
  • Collected customer feedback and made process changes to exceed customer satisfaction goals.
  • Provided information regarding charge accounts and loyalty programs.
  • Used company troubleshooting resolution tree to evaluate technical problems and find appropriate solutions.
  • De-escalated problematic customer concerns, maintaining calm, friendly
    demeanor.
  • Trained new employees every two month's in procedures and policies in order to maximize team performance.
  • Set up and activated new customer account's.

Education

No Degree - Criminal Justice

South Texas College
Mcallen, TX

High School Diploma -

Edinburg North High School
Edinburg, TX
05.2007

Skills

  • Clerical Support
  • Document Analysis
  • Schedule Coordination
  • Inventory Management
  • Invoice Generation
  • Customer Service
  • Problem Resolution
  • Bilingual

Timeline

Escrow Assistant

Capital Title Of Texas
11.2020 - Current

Escrow Assistant

Sierra Title Of Hidalgo County
09.2019 - 11.2020

Receptionist /Escrow Assistant

Sierra Title Of Hidalgo
03.2017 - 01.2019

Claims Adjuster

Fred Loya Insurance Agency Inc.
10.2012 - 01.2014

Customer Service Representative

Convergys
07.2007 - 05.2011

No Degree - Criminal Justice

South Texas College

High School Diploma -

Edinburg North High School

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