Erika Cavero Email and Phone Number
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I am Erika Cavero, the proud owner of The Real Maids, a thriving cleaning company that has been serving our community since May 2012. Our journey began as a result of a personal challenge within my family, which led us to discover a new path in the cleaning industry.When a job promotion required me to ask my mother to care for my children whenever they fell ill, unfortunately, she lost her job in the process. In response, my husband and I decided to take control of the situation by exploring opportunities in our own neighborhood. My mother began cleaning homes in our community, and the positive response from our clients inspired us to turn this effort into a full-time business.In 2018, I made a life-changing decision to resign from my position as a Mortgage Underwriter at BB&T to fully dedicate myself to my children and our growing business. This transition allowed us to focus on delivering exceptional cleaning services and expand our presence in Apollo Beach and its surroundings.Today, I am thrilled to announce that The Real Maids is one of the most recognized cleaning companies in our city. We have been voted the Best Of Tampa Awards for two consecutive years, and we have recently been honored with another award that I cannot reveal until October 14th. Additionally, we have been named favorites on Nextdoor for two consecutive years. Our commitment to excellence is reflected in our 4.9-star ratings on Google and Facebook, with nearly 1000 satisfied customers.At The Real Maids, we believe in the value of hard work, and our utmost priority is the people who are part of the Real Maids family and our valued clients. We are committed to providing employment opportunities to those in need. We are passionate about helping our clients reclaim their time, freeing them from the worries of cleaning and allowing them to enjoy precious moments with their loved ones.Our journey has been marked by progress and success, and we remain dedicated to continuous improvement. We invite you to join us in our mission to make our community cleaner, happier, and more connected. Let us take care of your home's cleaning needs so you can cherish the moments that truly matter.We deeply appreciate your being part of our story.
The Real Maids
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Chief Executive OfficerThe Real Maids Apr 2012 - PresentApollo Beach, Florida, UsAs the Chief Executive Officer of The Real Maids, I serve as the driving force behind our company's growth and success. With a deep commitment to excellence, I oversee all aspects of our operations, ensuring that we continue to deliver top-notch cleaning services to our valued clients.My role encompasses strategic planning, team leadership, and the development of innovative cleaning solutions. I work closely with our dedicated team to maintain our exceptional standards and uphold our reputation as one of the leading cleaning companies in our community.My responsibilities include:1. Strategic Vision: I formulate and execute a strategic vision that guides our company's growth and expansion. This involves identifying new opportunities, market trends, and areas for improvement.2. Team Leadership: I lead and inspire our team of cleaning professionals, fostering a culture of excellence, teamwork, and continuous improvement. I believe that a motivated and well-trained team is the foundation of our success.3. Client Satisfaction: Ensuring our clients' satisfaction is paramount. I actively engage with our clients to understand their needs, address their concerns, and maintain strong client relationships. Our commitment to delivering on promises is a cornerstone of our success.4. Quality Assurance: I oversee our quality control processes, ensuring that every cleaning job meets our rigorous standards. Quality assurance is at the heart of what we do, and I'm dedicated to upholding it.5. Innovation: I stay at the forefront of industry developments and technology to drive innovation in our cleaning methods. We're always exploring new techniques and eco-friendly practices to enhance our services.
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Mortgage Retail Credit Officer IiBb&T Jun 2016 - May 2018Charlotte, Nc, UsProvide assistance and direction to mortgage lenders, processors and underwriters on issues regarding Mortgage Retail lending policies, procedures and system guidelines. Perform detailed underwriting analysis on portfolio loans for both credit and documentation deficiencies and determine marketability of each loan. Perform detailed underwriting analysis on more complex mortgages exceeding the conforming loan limit and on complex self-employed borrowers that pose higher credit risk. Perform detailed review of exception requests (e.g. loan with expanded criteria) to determine whether compensating factors exist to offset the risk, as well as whether or not the requests fall within the BB&T's exception lending tolerance. Request additional information and/or documentation from originating offices, as needed. Provide monthly feedback to the Mortgage Market Managers (MMMs) and Processing Managers on issues related to the mortgage lending process and provide daily feedback to MLOs. Notify originators and other interested parties when loans are approved for closing. Serve as a mentor and provide guidance to underwriters and other credit officers. Assist in evaluating and implementing underwriting guidelines as conditions dictate. Work closely with Regional Production Credit Manager to identify trends or concerns developing within the Retail portfolio. Assist Regional Production Credit Manager and Retail Production Operations Manager in goal setting and training.My single loan authority is $850,000Annual Review 03/2017OVERALL ANNUAL RATING : Exceeds Expectations -
Mortgage Lending UnderwriterBb&T Feb 2012 - Jun 2016Charlotte, Nc, UsPerform detailed application reviews for Credit (Credit report, Assets, all type of income), Collateral (Appraisal Report, Insurances, Title Commitment). Evaluate, and recommend approval or denial of mortgage loans applications in compliance with internal policies and applicable federal/state regulations. Improve risk mitigation and maximize organizational profits by recommending approval or denial of loan.Professional Objectives/Qualities• Support internal retail production (originators and loan processors) to reach their goals by maintaining a “pre approval-closing” time of 24 hours on 90% of new files and loan conditions received. • To comply with internal and external regulations while maintaining focus on credit quality along with bank, agency, and investor’s guidelines. Total adherence to the “Sundown Rule” (returning all calls and emails as soon as possible, but no later than COB time) by showing qualities as empathetic, reliable, responsive and competent.• To complete required CBT training by assigned deadline while working towards my BB&T University or other industry-related certifications.Most Recent Feedback:Manager Evaluation - 08/25/2015“Erika's "within site" ranking scores in the top 10% and she has successfully achieved a top 10% ranking for 2 of the 3 months for the entire Region. Her quantity, quality and cycle times are all in the top 10%. She conditions accordingly and her conditions are reviewed within an acceptable time frame. Erika is supportive of the Underwriting Team Goals as well as the Goals of the RPST which is demonstrated when we "load balance" to move loans to other Underwriters in order to meet our preferred turn times. She responds quickly to emails and voicemails with helpful suggestions. She offers alternative solutions when a loan doesn't meet guidelines as structured. She interacts well with the Mortgage Loan Officers and the Mortgage
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Real Estate SalesKiehn Realty Company Jun 2005 - Jul 2012St Petersburg, Fl, Us -
Contract Mortgage UnderwriterClayton Holdings Jun 2010 - Jan 2012Tampa, Fl, UsReview loan files for completeness and accuracy following DU/LP/FHA Findings Reports continued with analyzing of the Credit Documents, Collateral, Government Documents, and Disclosures as applicable. Determining and documenting loan conditions and communicating requirements and/or decisions. Identify portfolio risks resulting from client's underlying business practice, underwriting, and/or fraud exposure. Order MIP and PMI (delegated or non-delegated as applicable). Mortgage Loan Programs: Conventional and Government Loans. -
Real Estate Services Mortgage Underwriter Jr.Gte Federal Credit Union Apr 2006 - Sep 2009Tampa, Fl, UsMaintain a pipeline of loans with an emphasis on customer service, quality, accuracy and efficiency. Gather information and take each file from pre-approval to closing. Reviewed and verified application, evaluated creditworthiness, assess loan documents to ensure standards are met; verified and calculated income, verified appraisal report, title report, and various other factors. Input proper loan information into the system. Approved or declined loans according to guidelines. Provided customer service by telephone. -
Contract Mortgage Loan CoordinatorJpmorgan Chase Sep 2004 - Apr 2006New York, Ny, UsAnalyzing loan: AUS, applications, credit reports. Reviewing contracts, Appraisal report, title commitments, verify employment, clear conditions. Review HOI, Flood and Windstorm Insurance: coverage, replacement cost and requested to change Mortgagee clause. Determine supporting documentation and set loan conditions. Setting forth closing conditions. Routing loans to scheduling department once loans are ready to close. Provided customer by telephone. -
Loan ProcessorAbn – Amro Feb 2002 - Sep 2004Worked off daily report. Ordered appraisal report, title, Flood Certificated, payoff; verified employment; requested essential documents to process loan. Charged GFD or FHA fee. Sent disclosures. Provided customer service by telephone.
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Assistant AdministrativeApcoa/Standard Parking Jan 1999 - Jan 2002Troubleshooting revenue control equipment (FAPD). Utilize database to maintain accurate records of customer contacts, necessary follow-up, and account information. Administer a Microsoft Excel program to produce customer ID's to enable their personalized access to the facility. Provide customer service in person and by telephone.
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Assistant ManagerScorpion Cargo, Inc Jan 1998 - Jan 1999Received and responded to incoming orders from corporate clients through on-line ordering system and fax machine. Resolved issues of incomplete orders, by contacting customers directly and offering alternative solutions. Worked within a team preparing and managing the budgets for the company, assisted the Manager of the accounts payable group for the freight cargos company. Experienced problem solver, ability to resolve disputes to customer satisfaction. Coordinated business travel reservations including flights, car hire and hotels. Performed general administrative functions including the scheduling of appointments and meetings.
Erika Cavero Skills
Erika Cavero Education Details
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Boston UniversityPc Hardware And Software -
National Notary AssociationNotary Public
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Gold Coast School Of Real EstateReal Estate: Sales Associate
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Miami Dade CollegeEnglish As A Second Language For Academic Purposes
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Monte Maria
Frequently Asked Questions about Erika Cavero
What company does Erika Cavero work for?
Erika Cavero works for The Real Maids
What is Erika Cavero's role at the current company?
Erika Cavero's current role is Leading The Real Maids to Excellence: Your Trusted Partner for Superior Cleaning Services.
What is Erika Cavero's email address?
Erika Cavero's email address is se****@****ail.com
What is Erika Cavero's direct phone number?
Erika Cavero's direct phone number is +181343*****
What schools did Erika Cavero attend?
Erika Cavero attended Boston University, National Notary Association, Gold Coast School Of Real Estate, Miami Dade College, Monte Maria.
What are some of Erika Cavero's interests?
Erika Cavero has interest in Cooking, Electronics, Home Improvement, Reading, Crafts, Gourmet Cooking, Music, Movies, Home Decoration.
What skills is Erika Cavero known for?
Erika Cavero has skills like Mortgage Lending, Mortgage Banking, Credit, Mortgage Underwriting, Credit Analysis, Real Estate, Customer Service, Risk Management, Fha Financing, Microsoft Office, Real Estate Lending, Affordable Housing.
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