Ruth Hernandez Email & Phone Number

Lancaster, California, United States

Contractor for Small Business Administration. Process SBA Economic Injury Disaster Loan applications, Reconsideration requests and loan amount increase requests. Review loan files for completeness, identify missing documentation, verify client income, credit reports, and other information. Ensure the accuracy of loan files, maintain compliance with privacy and security requirements, and compliance with SBA lending requirements. Provide quick turnaround times to maintain a fast-paced schedule. Perform cash flow analysis and calculate discrepancy variances when needed.

Downey, California, United States

Responsible for networking with real estate agents, escrow officers and Title agents to generate business. Attend and host open house events with business partners. Educate current and prospective home buyers of mortgage programs available and pre-approve them for a home loan. Review financial statements, tax returns, credit reports, insurance policies, and bank statements to qualify borrowers for a home loan. Liaise between loan fulfillment team and borrowers to satisfy loan conditions to assure loan closes.

Responsible for originating loans via banking center leads and self sourced leads. Continually identifying, developing and maintaining a quality network of business relationships in order to acquire a recurring source of referrals for new mortgage lending opportunities. Worked with borrowers and fulfillment team to submit complete loan packages, oversee the loan process to make sure all conditions are met and assure loan closing.

Supported the west coast Retail Lending Group in selling FHA and VA loans. Responsible for training loan officers in regards to underwriting and product guidelines via calls/webinars. Partnered up with the Consumer Banking Group to assist in retention of IndyMac Bank customers by continuation of training and support of the internal sales team.

Responsible for selling all of IndyMac's products and programs directly to mortgage brokers. Responsible for managing and maintaining current business relationships and seeking new customer relationships with mortgage customers who are not currently signed up with IndyMac Bank. Train sellers to increase knowledge of products and programs as well as our submission procedures.Team Leader, Non-prime Deal Desk

Responsible for product design and development, as well as product management and profitability. As a Product Coordinator I was responsible in determining possible new products, plan design from conceptual stages through product life cycles. Monitor marketplace and internal sales performance to best determine new product needs. Recommend pricing levels for various products based on company objectives to ensure competitive rates. Analyze markets and determine appropriate pricing for products. I was also in charge of doing price comparisons for our different products, such as Nonprime, Alt-A, Agency and Jumbo.Analyst, Pipeline Management, Sec Mktg

In charge of preparing daily, monthly and quarterly reports of submissions, credit packages received, Rate Locks and fundings. Managed pair off fees and extension concessions. I also supported the traders when needed in pricing and confirming the sale of loans to different investors.

Spanish Lit, Biology

Education record