Summary
Overview
Work History
Education
Skills
Timeline
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Sandy Valdes

Sandy Valdes

Chelsea,MA

Summary

Dedicated and versatile Loan Processor professional specializing in customer service and bank standards. Excellent communicator and decision maker with a strong eye for detail and a proactive nature. Enthusiastic Loan Closer eager to contribute through hard work. Motivated to learn, grow and excel in the Mortgage Industry.

Overview

4
4
years of professional experience

Work History

Compliance Liaison/Consumer Closer

Rockland Trust Company
Middleboro, MA
11.2021 - 02.2022
  • Maintained checklists of required documentation and open issues affecting closings.
  • Collaborated with agents and legal professionals to resolve transactional and title issues.
  • Validated and audited final signed documents in accordance with state, county and investor guidelines.
  • Reviewed titles, insurance and flood zone certifications to meet closing standards for each property.
  • Handled as many as 3-5 closing files daily by effectively organizing, multitasking and prioritizing closing work.
  • Reviewed and validated details of loan applications and closing documentation
  • Reviewed audit and monitoring reports related to consumer and client activities.
  • Stayed current with latest changes to applicable regulatory standards and company procedures.

Residential Closer/ Processor

East Boston Savings Bank
Medford, MA
07.2020 - 11.2021
  • Maintain open lines of communication with all parties to obtain and ensure loan readiness.
  • Review all executed legal documents for actual closing of each loan.
  • Responsible for timely and accurately preparing and reviewing loan closing and funding documentation for range of loan products to include close-end loans.
  • Obtained clear title by ordering title reports, resolving title defects and satisfying existing liens and encumbrances against property or principals.

Lead Loan Processor

Paramount Residential Mortgage Group LLC
Revere, MA
10.2016 - 09.2018
  • Confirmed all information in loan files are accurate, and with good analytical skills and comply with Both compliance and company policy.
  • Requested services and verifications needed to satisfy final approvals.
  • Ensured proper maintenance in Encompass throughout application process, including updating and analyzing all verifications, reports, dates and services obtained.
  • Understand parameters of loan products offered, secondary market, FNMA, FHLMC, and other approved investors along with Rate Locks and TRID to ensure timing closing deadlines.
  • Monitored overall customer interactions and Interfaces with all parties involved on each loan from application to closing, including counseling and pre- qualifying potential home buyers, demonstrating decision making ability and effective communication skills, both verbal and written.

Sales Representative, Area Supervisor

Autopart International
Norton, MA
09.2012 - 08.2013
  • Supervised four store branch locations: while funneling new sales opportunities to local shops.
  • Outside sales calls to automotive repair shops.
  • Strengthening their local branch footprint and area relationships between internal and external partnerships.
  • Prepared and effectively presented new and updated product options to current clientele.
  • Educating new prospects on overall products, services, and solutions.
  • Created and presented internal reports consisting of trends, product launches and line card pulls.
  • Developed friendly long lasting professional relationships still to date.
  • Engaged in product knowledge and excellent customer service.
  • Coordinated with internal departments to maximize operational efficiency across production and administrative areas
  • Established area team schedule and planned production.
  • Achieved sales goals, increasing revenue by maintaining top accounts and expanding personal sales portfolio by bringing new business accounts.

Education

Business Management

Insotus College
Online
10.2016

High School Diploma - undefined

Chelsea High School
1992

Skills

  • Microsoft Word, PowerPoint, Excel and Outlook
  • Keystrokes Per Minute: 227, Words Per Minute: 37
  • Ten key
  • Bilingual/Spanish
  • Business Management
  • Encompass/Mortgage Bot
  • Financial Document Review
  • Marketing
  • Sales
  • Credit Repair
  • Loan Processing / Procedures
  • Relationship-Building
  • Legal compliance

Timeline

Compliance Liaison/Consumer Closer

Rockland Trust Company
11.2021 - 02.2022

Residential Closer/ Processor

East Boston Savings Bank
07.2020 - 11.2021

Lead Loan Processor

Paramount Residential Mortgage Group LLC
10.2016 - 09.2018

Sales Representative, Area Supervisor

Autopart International
09.2012 - 08.2013

Business Management

Insotus College

High School Diploma - undefined

Chelsea High School