Experience

Global Association of Risk Professionals (GARP)

• United States
• Financial Services
• 100 - 200 Employee

• Member Services Representative

  • Nov 2018 - Present



Investors Bank

• United States
• Banking
• 700 & Above Employee

• Consumer Loan Closing Coordinator

  • Mar 2016 - Dec 2017

  -Prepare, schedule, coordinate and close Equity Lines of Credit & Fixed Home Equity Loans ⦁ Ascertaining accuracy of documents and information by review of the file from Processing to Closing, in preparation for Funding; ⦁ Execute Verifications of Employment, gather up-to-date credit statements to prepare pay off disbursements, ensure Homeowners' Insurance has proper coverage and is active or renewed as necessary in time for the loan closing; ⦁ Ongoing communications amongst the Originations personnel and clientele to schedule the closing of the loan ensuring guidelines and standards are met; ⦁ Update the LOS with changes or adjustments of loan numbers, exact payoff amounts, rates, EFT markers necessary to activate the file for document upload to and through DocMagic; ⦁ Review, modify, correct the closing documents pdf as drawn from DocMagic for QC review prior to closing; ⦁ Ensuring timely delivery of final closing package to Branch personnel- Closing agent for execution; ⦁ Draft payoff letters to various institutions and creditors in prepartion for disbursement at Funding date; ⦁ Coordinate with Funding Associate to provide any corrections or adjustments necessary post closing and prior to file delivery to Loan Servicing. Equity Loan Funding Associate -Review and fund Equity Lines of Credit Loan files in a timely fashion by ensuring: ⦁ Closing documents and Disclosures have been accurately drawn and executed; ⦁ Determine that all underwriting and closing conditions are satisfied prior to disbursement; ⦁ Complete Funding checklist to ensure compliance with the Bank's guidelines; ⦁ Prepare Vouchers for disbursements of internal/ external loan payoffs, pre-paid interest, loan proceed instructions, creditor payments, etc.; ⦁ Properly upload the Loan to the Bank's system and update client profiles, collateral information, install rate information and ticklers, schedule EFT for automatic loan payment;



BCB Bank

• United States
• Banking
• 200 - 300 Employee

• Loan Servicing Specialist II

  • Dec 2013 - Aug 2015

  Real Estate Tax Administration -Organize, file, and confirm bills respective of loan/ city/ town/ borough, etc. -Update & Disburse proper payment amounts, per loan, per property, on Bankway Software -Verify and reconcile Pass- through Journal Postings -Process, maintenance, and recording of Tax Sale Certificates, from time of redemption through cancellation of record -Answer phones and assist clients; redirect clients to the more qualified specialist for optimum service, as necessary; see clients personally when needed -Process and provide Pay-Off Letters/ Amounts -Process and Set-Up of ACH (feature) for existing loans -Assist Management on tasks/ projects, as needed -Train new employees on the Bank’s tax disbursement and administration processes Mortgage Cancellations and Discharges: NJ & NY & FL -Process cancellations of paid-in-full mortgages and other instruments as applicable o Review collateral files for Notes/ Mortgages/ AL&Rs/ UCCs/ various recorded documents o Draft Discharge, Satisfaction, and Affidavit documents as necessary o Register cancellations online prior to physical submission: NY o Utilize NJ State online services for UCC terminations -Correspond with clients, attorneys, title agents, County Clerks, et al. as necessary, to complete the cancellation process and correct errors as necessary



Citco Corporate Services, Inc.

• Client Assistant/ Trust Secretary

  • 2007 - 2011

  -Facilitated all facets of wealth preservation of high net worth international clientele via the establishing of private foundations, off shore business companies, and other various entity structures -Supported establishment efforts including incorporation company set ups while improving clients’ international subsidiary management. These activities included coordinating globally with multiple jurisdictions and local authorities and providing 360° assistance to multinational companies -Ensured strong corporate governance and health-checks in chartering the global network of subsidiaries for prospective clients. Activities included, but not limited to, maintaining strict compliance standards, liaising between local client staff and counsel for remedial actions, and monitoring proper legal standings. -Calendar, travel, and expense management for executive management -Document development: Memos, letters, and requests for information; Proofing and editing of both English and Spanish business correspondence -Designed and maintained databases for executive’s maximum client service, attention, satisfaction, and retention -Monitored, screened, responded to, and distributed incoming communications (English & Spanish) -Hosted client meetings to continually gather information and provided problem analysis for efficient resolution -Liaised with corporate employees on all levels and interacted with external clients -Supervised, coached and trained entry level staff



Liberty National Mortgage

• Mortgage Loan Processor

  • Mar 2007 - Oct 2007

  -Compiled and verified application information for mortgage loans; Reviewed client data to ensure investor guidelines were met -Due Diligence from submission of loan to closing and funding -Client contact for retrieval of information to complete transactions and manage expectations -Communicated with underwriters to effectively close the loans and/or troubleshoot potential hindrances -Compiled and verified application information for mortgage loans; Reviewed client data to ensure investor guidelines were met -Due Diligence from submission of loan to closing and funding -Client contact for retrieval of information to complete transactions and manage expectations -Communicated with underwriters to effectively close the loans and/or troubleshoot potential hindrances



Capital Mortgage LLC

• Miami, FL

• Lending Assistant / Marketing Manager

  • Jul 2004 - Aug 2006

  -Assisted clients with all aspects of home financing; Purchases and Refinances -Pre-qualified clients via automated systems. Respective of banks: Locked rates & extended locks, as required -Operated LOS: Point Calyx -Maintained Loan Officer’s calendar & managed operations as a delegate in officer’s absence -Created bilingual marketing materials As Marketing Manager -Met with new Loan Officers upon hire to offer, promote, and sell marketing tools -Executed Bulk Mail Orders and newsletters -Maintained current subscriptions to various marketing tools, websites and programs -Organized company external events (i.e.: picnics, events, etc.) -Managed company’s internal gift program



UBS International Inc.

• Miami, FL

• Bilingual Client Service Associate

  • Oct 2002 - Mar 2003

  -Arranged travel and managed appointment calendars for financial advisors (4) -Processed expenditures for advisors; prepared correspondence; distributed reports from headquarters to clients and corporate employees -Managed phones, faxing, filing, and courier services -Responsible for and expedited clients’ requests (checks, wire transfers, credit cards, online service, etc.) -Assisted branches with knowledge and information regarding the international clientele and lending products -Interfaced with regulatory departments supervising risk and international laws (Patriot Act – NRA’s)



UBS Paine Webber, Inc.

• Weehawken, NJ

• Senior Credit Line Specialist

  • Jul 1999 - Oct 2002

  -Assisted in marketing and support of various lending and mortgage products -Managed underwriting process for central division -Conducted extensive analysis of investment portfolios - Assessed risk exposure via review of legal documents (Trusts, POAs, Corporate Resolutions, Wills and Testaments) -Exercised approval authority for loans up to $500k -Reported daily/ weekly/ monthly loan totals to general management to ensure divisional goals -Assisted in marketing and support of various lending and mortgage products -Managed underwriting process for central division -Conducted extensive analysis of investment portfolios - Assessed risk exposure via review of legal documents (Trusts, POAs, Corporate Resolutions, Wills and Testaments) -Exercised approval authority for loans up to $500k -Reported daily/ weekly/ monthly loan totals to general management to ensure divisional goals