Summary
Overview
Work History
Education
Skills
Affiliations
Certification
Languages
References
Timeline
Generic

Ruth Salud

Carson,CA

Summary

Proactive professional with a strong ability to adapt to new challenges and environments. Proven problem-solving skills and a history of building effective relationships with clients and team members. Committed to supporting team success and enhancing customer satisfaction through exceptional service delivery. Motivated individual with a solid work ethic and a focus on continuous learning and improvement.

Overview

23
23
years of professional experience
1
1
Certification

Work History

Mortgage Specialist

Wisdom.Loan
Carson, CA
07.2022 - Current
  • Conducted comprehensive financial analyses to assess borrower's ability to repay.
  • Researched current market trends to identify potential opportunities for clients.
  • Conducted pre-qualification interviews with borrowers over the phone or in person.
  • Guided applicants through the loan process, from application to closing.
  • Developed and maintained relationships with customers, real estate agents, and other professionals in the industry.
  • Coordinated with underwriters for loan approval and final decision-making.
  • Prepared loan documents such as credit reports, income statements, appraisals, and closing statements.
  • Educated customers regarding actions and strategies for debt repayment.

Broker Associate

Home Team Realty
Torrance, CA
01.2016 - Current
  • Negotiated between sellers and buyers over property prices and settlement deals.
  • Coordinated inspections to ensure that all necessary repairs were completed prior to closing.
  • Managed listing process by providing accurate information about current market conditions, pricing suggestions, and preparing contract documents.
  • Created spreadsheets in Microsoft Excel for record-keeping and reporting.
  • Applied strict company and regulatory standards when producing contracts and documentation.
  • Managed client meetings expertly to create positive energy, build trust and lock in new agreements.
  • Provided guidance to clients regarding financing options for real estate purchases or refinancing existing properties.

Volunteer for Church, and Missions

Non Profit Organization
Carson, CA
01.2002 - Current
  • Organized and maintained records of volunteer hours and donations.
  • Offered support and assistance to community members.
  • Assisted with fundraising efforts, including event planning and donor outreach.
  • Collaborated with others by contributing time, effort and skills to achieve the organization's goals.
  • Made referrals to utilize community resources for resident's needs.
  • Helped with prep, set up, and breakdown of community and public events.
  • Collaborated with other volunteers to create a positive work environment.
  • Administered operating budgets, enforcing internal expense-monitoring controls.
  • Maintained updated knowledge through continuing education and advanced training.
  • Demonstrated strong problem-solving skills, resolving issues efficiently and effectively.
  • Utilized various software and tools to streamline processes and optimize performance.
  • Worked effectively in team environments to make the workplace more productive.
  • Achieved cost-savings by developing functional solutions to problems.
  • Recognized by management for providing exceptional customer service.
  • Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.

Education

Bachelor of Science - Business Administration

University of Phoenix
Gardena
04-1997

Kaplan
Online

Skills

  • Financial analysis
  • Loan processing
  • Market research
  • Customer service
  • Document preparation
  • Regulatory compliance
  • Relationship management
  • Negotiation skills
  • Data analysis
  • Project management
  • Team collaboration
  • Problem solving
  • Time management
  • Client education

Affiliations

  • Very well involve in church, mission and shelters

Certification

  • Continuing Educations yearly
  • Real Estate license
  • Brokers license
  • Mortgage License
  • Notary

Languages

Tagalog
Elementary

References

References available upon request.

Timeline

Mortgage Specialist

Wisdom.Loan
07.2022 - Current

Broker Associate

Home Team Realty
01.2016 - Current

Volunteer for Church, and Missions

Non Profit Organization
01.2002 - Current

Bachelor of Science - Business Administration

University of Phoenix

Kaplan

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