As a loan officer I worked with a team to ensure mortgage applications meet underwriting guidelines and application were completely filled out with borrowers accurate informationResponsible for obtaining and reviewing all required documents for mortgage reviewReview mortgage applications to ensure they are complete to send to borrowersEnsure income and debit ratios are in accordance with Fannie and Freddie Mac underwriting guidelinesRequest borrowers mortgage documentation based on automated findings for Du & Lp or based on other loan programs guidelines and specificationsReview borrowers bank statements to make sure sufficient funds are available to close, request additional documentation when necessary Ensure loan applications are disclosed in accordance with TRID guidelinesResearch borrowers property address to see if they may qualify for CRA or other Government aided loan programs Request condo and coop documentation from managing agents required by lending guidelines. Review Condo and Coop questionnaires to make sure project is lendable and request any explanations if requiredUpdate condo and coop insurance certificates.Input title quotes and estimates from title companies. Ensure quotes to actual cost did not increase over the 10% thresholds to avoids fines and curesUp load borrowers information for Underwriter to reviewRequest any other further documentation an underwriter may require to clear a file to close. Keep borrower informed through out the process via emails and a weekly update call

Support Area Managers in meeting Mortgage Goals. Assist in getting loans to processing and closing with in timely manor. Assist in ordering appraisals, title reports and obtaining Mortgage Insurance Quotes. Review new Potential clients Income and Liabilities to see if they meet Required guidelines for a pre approval. Complete pre approvals applications and send to clients and realtors. Assist in Vendor relationships and growing potential new relationships. Review Coop and Condo Documents to make sure they meet Fannie and Freddie Guidelines. Talk with Management companies to obtain required supporting documents needed on a loan.

In charge of 30-40 person wait staff. Responsible for setting up banquet and restaurant dining room that can seat up 550 people between 3 different rooms. Pricing, booking and building menus for catering events.Act as a Special Events Party Planner which would assist guests with recommending and contacting vendors required for private functions Complete introductions for special events, assist with Bridal party line up for religious Ceremony entrancesTrain wait staff in accordance with business standards, inspect uniforms are cleaned and to code. Train wait staff on proper way to serve guests and remove plates from table. Train wait staff on the Menu by directing new and existing employees to continually taste products so that they can better explain dishes to guests. Would have wait staff read menus and then test them on how item is made and proper serving technique. Train wait staff on how to take proper dinner orders from guests and what symbols are used for Madre D to be able to direct proper dinner orders to guestsMake sure Banquet rooms and dining rooms are set to correct function and standards based on client contracts and floor plans of the dining room. Keep accurate track of inventory daily weekly and monthly audits by reviewing the invoices matched what was on the order sheet and by taking a physical count beginning and end of the week.Review purchase orders and invoices every Tuesday to make sure prices are not adjusting to the higher side.Implemented an Inventory Log to track who is going in and out of the liquor and beer cage to minimize theft. Interact with Vendors to place orders on products needed

Review potential borrowers income documents to ensure borrower is able to carry mortgage payment along with other debits. Review HSBC lending programs to see which program would best suit the borrower needs. Review rates and pricing with borrower in reference to loan term. Explain why different options would cause a rise or decrease in loan payment. Review appraisal reports and Credit reports once ordered and received. Assist borrowers in completing 3rd party assignments and CEMA's. Shop other competitors rates and programs to see were HSBC stands against competition. Request documentation needed during the underwriting process from borrower. Complete Pre approval applications. Also discuss other financial needs with potential borrowers and then provide names and appointments with appropriate specialists with in HSBC who can assist borrower. Meet with real estate attorney's and agents to possible source business from out side HSBC.

I would assist HSBC Mortgage Consultants in Brooklyn to clear files to close. Daily I would mail out all new application to borrowers along with list of income asset and other key documents in order to have loan fully underwritten. Would order title searches in accordance with HSBC approved title companies. Would request Coop and Condo documents from Management companies. Would request insurance certificates on behalf of borrower from current insurance provider for property being refinanced. Would complete welcome calls to borrowers on approved loans going over all required and remaining conditions needed to reach authorization to close. Would call borrower to inform them mortgage was cleared to close. I then would Schedule Closing times and dates with Borrowers and Bank Attorney. Assist in obtaining Payoff Letters. Review Morning reports daily and make sure all loan officers stayed with in compliance regulations. Would package and submit complete applications being returned by borrowers to Under writing team.

My roll as the Sr Business Banker with TD was to maintain all business relationships and service accounts according to TD rules customer needs. Would review morning overdraft report and make sure any business marked for overdraft were informed so they could make deposit to cover clearing checks. Would help business apply for commercial lines credits and loans. I was also responsible for opening all new business accounts, Bank at work events. Would review Business tax returns and source revenue to determine what would be the best account for Business. Would also refer Owners and Employees to Personal bankers for all account and lending needs. Was also a Wow zone instructor which allowed me to partner with elementary schools and along with teacher explain banking to kids.

As Staff Accountant I was responsible for all Bookkeeping transactions for over 85 companies. The company sizes ranged from small sole proprietary corporations to corporations with over 150 employees and multiple accounts. I was responsible for maintaining the Monthly, quarterly Semi annually and annual data entry and account reconciliations. I played a key roll in implementing Quick Books accounting software as well as sitting with CPA to create list of accounts that would work for all companies transactions. Assisted with Sales, Payroll, Personal and Corporate income tax preparation. Also help students complete FASFA forms.