Analyze borrower’s financial information and property to determine the risk of lending.

• Originate loan applications, gather documentation, analyze financial and credit data to guide members and help them understand the pros and cons of different loan products to determine which meet their needs.• Oversee all customer interactions and work closely with realtors, title company, and underwriters to provide a smooth loan process. • Process the loan file, order services, and gather all necessary documentation to complete the underwriting requirements.• Responsible for the closing and post-closing process of all residential lending programs.• Prepare the annual HMDA and all related mortgage reports for administration. Assist AVP of Lending to update Credit Union Mortgage Policies and Procedures based on changes in mortgage regulations.• Update daily rates in the system for all purchase and refinancing loan programs.• Assisted in the installation and onboarding of the new MeridianLink Mortgage Software. Maintain loan forms in accordance with regulations and create new loan products.• Increase mortgage department production form 4% 10% of the income of the Credit Union in one year.

• Originated loan applications, gathered documentation, analyzed detail financial and credit data to guide clients and help them determine which loan product met their need.• Established and maintained relationships with realtors, bank officers, builders, and the community at large to retain existing and attract new business.• Oversaw all customer interactions and ensured a smooth transaction by interacting with the realtors, processors, and underwriters. • Work closely with industry related professionals to gather and prepare all necessary information to complete underwriting requirements.

·    As a Home Equity Specialist, I Acted as the primary interface with Credit Union Members taking their loan application, gathering documentation, and updating them on their loan status. • Processed, order services, pre-underwrite and condition the loan files for the AVP of lending. • Cleared conditions, reviewed title searches, prepared closing documents, performed the closing and post- closing for all loans including mortgage recordings and payments to third party services. • Responsible for HMDA and all related mortgage reports for administration. Assist AVP of Lending to update Credit Union Mortgage Policies and Procedures. • As a Sr. Member Representative, I assist Credit Union Members when becoming new members by opening their first account. Promote all our loan products and process Members loan applications gathering all document to process the loan and prepare the file for underwriting.• Performed all loan closings and cross sale of other products like Gap, Warranties, Life and Disability Insurance.

·    As a Home Equity Specialist, I Acted as the primary interface with Credit Union Members taking their loan application, gathering documentation, and updating them on their loan status. • Processed, order services, pre-underwrite and condition the loan files for the AVP of lending. • Cleared conditions, reviewed title searches, prepared closing documents, performed the closing and post- closing for all loans including mortgage recordings and payments to third party services. • Responsible for HMDA and all related mortgage reports for administration. Assist AVP of Lending to update Credit Union Mortgage Policies and Procedures. • As a Sr. Member Representative, I assist Credit Union Members when becoming new members by opening their first account. Promote all our loan products and process Members loan applications gathering all document to process the loan and prepare the file for underwriting.• Performed all loan closings and cross sale of other products like Gap, Warranties, Life and Disability Insurance.

• Responsible for lead generation, sale, and promotion of loan products for refinancing, debt consolidation and home purchases. • Gathered documentation and assisted clients until the refinancing or purchase loan process was completed. Assisted other Mortgage Specialist in Spanish closings.

• Assured that all contractual obligations and property-related permits complied with local regulations. • Managed all information system, contracts and properties in Jamaica and Dominican Republic.• Assisted real estate, Network planners and developers in monitoring properties performances to identify income generating and/or risk reduction opportunities aim to optimize performance.• Managed and maintained the property database for the Caribbean.

• Managed ten local insurance agencies.• Responsible for the sales, promotion, customer service, hiring and training of new employees.• Organized local charity events and internal region sale contest.• Maintained and built new business relationships with local government and businesses to increase our presence in the region.• Aided local Branch Managers for Bareservas Bank when presenting a complete financial package to new prospects.

• Build new portfolio of clients and maintain business relationships in the corporate financial sector of the country.• Responsible for the sale of all telecommunication products to banks, insurance companies and local credit unions. • Assisted the marketing department in development of new product combos to target specific clients depending on their needs.• Worked closely with the technical department during the installation process of new data facilities to our clients.

•Worked in the engineering and provisioning process for the Caribbean. •Developed and documented a PCN Time Database for the PCN and Broadband departments. •Worked on a DMS100 provisioning tool prototype in addition to my engineer duties.

•Responsible for payroll data process and employee work schedule. •Prepared all check requests and various statistical reports for the Administration. •Acted as a liaison between vendors to solve payment issues. •Data entry of any new doctor or vendor in our database system. •Other general office duties