Ruth Santiago
Reading,PA
Summary
Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 25 years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures and loan programs. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
26
26
years of professional experience
Work History
Bilingual Senior Loan Officer
CrossCountry Mortgage
10.2023 - 03.2024
- Enhanced loan application process by streamlining documentation and improving communication channels with clients.
- Maximized approval rates for qualified applicants through diligent review of financial information and thorough assessment of risks.
- Developed strong relationships with borrowers, resulting in high levels of customer satisfaction and repeat business.
Bilingual Mortgage Loan Officer
Fulton Mortgage Company
01.2023 - 10.2023
- Attend fairs and networking events to assist with marketing of Fulton Mortgage and attract new clients.
- Work with third party vendors to assist our clients.
- Coordinate training sessions and seminars.
- Help to identify and drive process improvement and standardization opportunities within Fulton Mortgage.
- Assist in preparation of reports and presentations as needed.
- Developed strong relationships with customers through high levels of customer service.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
Mortgage Loan Officer Assistant
Movement Mortgage
01.2022 - 12.2022
- Assisted in closing loans by efficiently gathering required documentation and submitting applications.
- Supported loan officers with application processing, ensuring timely completion for quicker decisions.
- Increased client satisfaction by providing exceptional customer service throughout the loan process.
- Streamlined communication between underwriters and loan officers, resulting in improved turnaround times.
Senior Loan Processor
Huntingdon Valley Bank
01.2021 - 07.2021
- Streamlined loan processing by implementing efficient workflow systems and task prioritization.
- Enhanced customer satisfaction with timely and accurate loan processing, maintaining clear communication throughout the process.
- Reduced loan processing time by developing and employing standardized documentation procedures.
- Collaborated with underwriting team to ensure accurate risk assessment and appropriate loan approvals.
Senior Loan Processor
Fulton Mortgage Company
07.2016 - 06.2020
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Evaluated approvals against established bank and government lending standards.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Provided quick turnaround times to maintain fast-past schedule.
- Set up and completed loan submission packages.
Mortgage - Mortgage Underwriter Level III
Citi
04.2012 - 03.2016
- Render approval/decline on incoming applications consistent with internal and investor policies
- Identify customer needs, explore all options and suggest different types of loans
- Worked with processing team members to communicate errors and obtain missing information for current applications.
Sr. Loan Processor
JP Morgan Chase
03.2010 - 04.2012
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Set up and completed loan submission packages.
- Handled any conditions sent from underwriting departments.
Loan Operations Closer
Woodforest National Bank
01.2006 - 03.2010
- Delivered positive customer experiences and successful deal closures through open, constructive communications.
- Maintained checklists of required documentation and open issues affecting closings.
- Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
Underwriter / Mortgage Loan Specialist / Loan Document Specialist
JP Morgan Chase
01.1998 - 12.2005
- Responsible for reviewing, analyzing, approving and underwriting large unusual or complex individual consumer requests and products within company and industry guidelines
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
Education
BBA - Business Administration - Human Resources
Inter American University of Puerto Rico
Bayamon, Puerto Rico05.2011
Skills
- Over 10 years of loan processing experience with Encompass and Mortgage Director
- Over 20 years of experience in the mortgage industry
- Typing speed of 75 WPM / 10 keys / Microsoft Office (Excel, Word, Power Point, Outlook)
- Maintain Quality Control, Detail Oriented, Critical Thinking Ability Education
- Application Preparation
- Processing Procedures
- Customer Service Excellence
- Loan Processing Proficiency
Timeline
Bilingual Senior Loan Officer
CrossCountry Mortgage
10.2023 - 03.2024
Bilingual Mortgage Loan Officer
Fulton Mortgage Company
01.2023 - 10.2023
Mortgage Loan Officer Assistant
Movement Mortgage
01.2022 - 12.2022
Senior Loan Processor
Huntingdon Valley Bank
01.2021 - 07.2021
Senior Loan Processor
Fulton Mortgage Company
07.2016 - 06.2020
Mortgage - Mortgage Underwriter Level III
Citi
04.2012 - 03.2016
Sr. Loan Processor
JP Morgan Chase
03.2010 - 04.2012
Loan Operations Closer
Woodforest National Bank
01.2006 - 03.2010
Underwriter / Mortgage Loan Specialist / Loan Document Specialist
JP Morgan Chase
01.1998 - 12.2005
BBA - Business Administration - Human Resources
Inter American University of Puerto Rico
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