Jesus M. Email & Phone Number

Florida, United States

Coral Gables, Florida, United States

Reconciled general ledgers account receivables, payables, and exchange to make sure all funds expected were received and cleared outstanding items monthly.Balanced and prepared bond information for fund administrator.Responsible for handling the Balance (Exchange) Account, ensuring that the account balanced out to zero at month’s end. Prepared the Balance Sheet Report, collaborating with other interdepartmental teams to include the Finance and Treasury team and others, to ensure that the company assets and liabilities netted out to zero each month.Reviewed accuracy of incoming wire transfers, funding adjustments, payoffs, and sales proceeds. Verified all funds received for assigned remittances cleared in interdepartmental General Ledger exchange.Loaded and fully analyzed scheduled remittances and balanced cash to bond reports. Prepared and processed waterfall debt repayment general ledger entries and wire transfers.Reconciled all portfolio general ledgers monthly and ensured all accounts were in balance with YTD balance in Oracle financials. Identified aged receivables with investor portfolio and ensured that collection efforts were appropriately escalated.Recorded monthly journal entries associated with trusts assigned via Oracle adhering to GAAP accounting principles.Worked closely with other financial institutions such as Lending Club, Westlake, PennyMac, and Santander Consumer USA to ensure reporting was accurate and deals were loaded correctly in accordance with agreement.Resolved data variancesProcessed investor accounting remittances for diverse types of assets including residential and commercial mortgages, car loans, construction loans, and private consumer loans. Assisted with training junior associates and new hires on company processes and procedures.Assisted with year end and midyear audits

Miami/Fort Lauderdale Area

Met with customers experiencing hardship in a face-to-face environment to assist them with loan modifications / refinancing for mortgage loans and repayment options on all types of credit products, including HELOC, credit cards, auto loans, and personal loans.Reviewed and analyzed financial accounting data, legal documents, contracts, proposals, and other records to complete financial credit analysis; advised applicants of additional information and documents that were required.Presented solutions based on individual customers’ needs. Communicated realistic customer expectations. Discussed alternative exit strategies.Created, maintained, and tracked customer files with significant follow-up required.Exchanged information on pending matters and escalated issues to appropriate business partners as directed.Implemented procedures to meet production deadlines.Evaluated new loan applications to ensure proper completion and submission of required financial information to facilitate financial credit analysis.Ensured compliance with federal laws and company guidelines to minimize loan losses and legal concerns.Attended outreach events in local markets and banking centers.Built and maintained community partnerships.Served as point of contact for intakes assigned by office of CEO and president.Monitored closed loan portfolios to ensure compliance with covenants and requirements of loan closing documents in servicing loan.Assisted in a variety of projects outlined by the team manager, including sending financial reports and data analysis.

Miami/Fort Lauderdale Area

Managed a portfolio of loans by working with loan modification and disposition specialists to determine solutions that would cure accounts in a timely manner. Reviewed loan modification documents for quality and accuracy and submitted files to underwriting. Presented and educated customers on options such as repayment plans, special forbearance, modifications, short sale, or foreclosure. Processed routine transactions including escrow analysis, documenting and researching loan history and responding to customer, investor, and other third-party inquiries.

Miami/Fort Lauderdale Area

. Processed customer’s transactions accurately and efficiently in accordance with established policies and procedures including deposits, withdrawals, and payments. Identified customer needs and referred financial products and services to consumers and small business customers. Built customer loyalty; established customer relationships through courtesy and friendliness and contributed to a positive team environment in banking center through teamwork. Assisted personal bankers in sales, client onboarding, and relationship building.

Master Of Business Administration (Mba), Business Administration, 3.3

Bachelor Of Business Administration (B.B.A.), Business Administration And Minor In Marketing, 3.2