Marie Cruz Email & Phone Number

Remote

• Compiles commercial and consumer loan portfolio data files to prepare monthly and quarterly portfolio financial risk analysis and loan trends.• Interprets and synthesizes data into credit risk dashboard to track and mitigate risk exposure. Developed a dashboard where I incorporated a qualitative method to track Loan Policy guidelines and measure the risk exposure and adherence to loan policy guidelines. • Provides credit loss trend analysis to the executive team with an emphasis on default loan portfolio, track charge offs, recoveries, and Gain/Loss on sale of OREO portfolio.• Improved the efficiency and accuracy of Credit Analytics department by automating system via advanced Excel functions.• Delivering consistent and accurate reporting metrics to leadership.

100 Fairway Park Blvd, Suite # 2200, Ponte Vedra Beach, Fl. 32082

Qualify and educate customers on the buying process, the mortgage financing options and the costs related to buying by probing the customer on home needs and financial picture. Influence contract negotiations and prepare legal contracts and lease agreements. Apply technology and analytical skills to find solutions to customer needs. Establish partnerships with other realtors and stakeholders to achieve a common goal. Prepare in-depth market analysis and make price valuation recommendations. Create client presentations on the selling process and calculate buyers and sellers closing costs, down payment, loan values, real estate taxes and loan-interest pro-rations. Identify and manage potential risks with the closing and resolve and communicate the resolution of any issues with attorneys and lenders and deliver exceptional customer experience to all stakeholders.

Jacksonville, Florida Area

Analyzed revenues from all Baptist surgery campuses for income opportunities. Designed excel production reports to integrate data from across multiple patient platforms (patient info & revenue codes) to track revenue discrepancies. Analyzed and validated surgery room revenues, identified, researched and investigated root cause of revenue discrepancies and corrected medical platforms, patient records and accounting systems. Analyzed general patient accounts, prepared journal entries, and documented system entries. Developed new revenue reporting tool and streamline the reporting process between material management, the reimbursement unit and surgery rooms. Collaborated with Business Analyst and IT to implement process improvements between material management and reimbursement unit resulting in 17% increase in revenue capture. Trained nurses on reporting tools and mentored 2 junior analysts.

Jacksonville, Fl.

Participated in the annual budgeting and forecasting of default mortgage servicing portfolio. Provided management with business analytics to assist with annual budget. Collaborated with business units to ensure all BU operating results were submitted timely and accurately to generate monthly operational analysis reports to executive team. Managed a credit loss statistical model to calculate credit loss projections on a Mortgage Servicing portfolio worth $892 MM. Reconciled general ledger accounts, charge off account and accrual accounts at month-end. Tested and validated budget results for logic and accuracy. Provided executive team with loan performance trend analytics on volume, delinquencies, bankruptcies and foreclosures statuses across the country. Monitored delinquency trends and identified key drivers for delinquencies across the country and calculate its financial impact. Reconciled loan-receivables (A/R) from FHA and prepared journal entries. Managed and updated Hyperion Essbase database to generate management reporting. Maintained technical documentation and end-user manual procedures. Collaborated with Business Analysts to improve process improvements for reporting.

Jacksonville, Florida Area

Participated in the budget and forecast process of a Mortgage Loan Servicing portfolio. Coordinated, compiled and integrated mortgage loan data from business partners to databases to forecast portfolio performance trends. Produced monthly portfolio metrics for senior management that included portfolio geographical risks, foreclosure and default trends. Analyzed and interpreted and communicated portfolio trends to management, identified key drivers for delinquency trends and formulated financial impact. Responsible for month-end closing, postings to accrual and charge offs accounts and reconciled government loan accounts receivables (FHA).

Jacksonville, Florida Area

Managed and approved the credit worthiness of correspondent’s mortgage applications with regards to mortgage warehouse lending to fund origination of mortgage loans. Reviewed applications and analyzed financial statements (Balance Sheet, P & L and Cash Flow) to calculate liquidity, cash flows and determine credit worthiness. Reviewed customer’s loan collateral condition, prepared written financial summary reports and spread financial numbers on spreadsheets on portfolio dynamics, key risk indicators, credit scoring dynamics, and other loan portfolio geographical risks, concentrations and loan deficiencies. Monitored and tracked and communicated loan deficiencies and risky correspondents, to credit risk manager and audit department for potential loan defaults and loan repurchase issues. Mentored 2 junior credit analysts. Reviewed 19% more customers then previous year’s audits.

Jacksonville, Florida Area

Originated and processed jumbo non-conforming residential construction loans. Reviewed applications and analyzed complex personal and business tax returns, balance sheet, P & L statements and cash flow to calculate AGI and to determine credit worthiness. Spread tax returns on excel spreadsheets from partnerships and corporate tax returns (P & L statements) to trend revenues and salary. Prepared builder construction disbursement budgets and reviewed/approve construction progress draw requests. Prepared loan closing documents. Liaison between client, Merrill Lynch sales force and various operations partners.

North Hollywood, California

Processed mortgage loan applications on conventional & FHA products. Reviewed and processed all verifications (voe, vom, credit reports) and sent TIL disclosures on timely manner. Prepared and submitted loan package to underwriting. Prepared commitment letters, reviewed title commitment for liens and exceptions, prepare lenders instructions to escrow and calculated lender settlement charges and generated bank legal documents. Prepared and reviewed legal documents for accuracy (Note & Deed of trust and HUD). Resolve any post-closing documentation deficiencies.