Valeria Khruleva Email & Phone Number

Delano, Minnesota, United States

Blaine, Minnesota, United States

Greater Minneapolis-St. Paul Area

Greater Minneapolis-St. Paul Area

Communicated with customers, internal and external partners and gathered required documentation. Reviewedloan applications, verified all information for accuracy and completeness.- Processed VA, Fannie Mae, Freddie Mac and Non-Agency purchase and refinance applications.- Analyzed and evaluated documentation such as credit bureau reports, tax returns, financial statements,account statements, agreements, and purchase contracts etc. to ensure all documentation metunderwriting guidance.- Submitted loan files for underwriting review.- Prioritized and/or managed assigned pipeline to meet anticipated closing dates and performance metrics.- Provided guidance to newly hired team members. Pulled, validated and sent reports to the team.

Greater Minneapolis-St. Paul Area

Audited mortgage companies of their service and processes such as setting up the loan, payments, escrow administration, loan transfer, paying off, collection and loss mitigation processes etc.- Reviewed loan information including all documentation contained within mortgage file and clientservicing system to ensure compliance with applicable federal, state and agency guidelines.- Maintained a quantity and quality of output that meets the established standards of the Company.- Identified areas of possible misrepresentation or discrepancies and report them for further investigation and/or reverification.

Shoreview, Mn

Delivered exceptional service to customers and educated them about options and solutions for their convenience,security, and stability.- Quickly answered customer inquiries in a courteous knowledgeable and professional manner.- Provided first call resolution while following strict procedures that met compliance guidelines.- Identified and offered customers the products and services they needed and wanted to succeedfinancially.

Greater Minneapolis-St. Paul Area

Performed escrow analysis and maintained loan records as needed for payment changes.- Researched and analyzed all areas of loan servicing including payment research (overage/shortages),taxes, insurance, loan modifications and assumptions etc.- Processed complex transactions and performed extensive research to resolve customer inquiries.- Participated in the new projects such as acquired loans and pre-paid taxes.- Navigated multiple computer systems, applications, and utilize search tools to find information frominternal and external sources.

Biysk, Altai Krai, Russia

Coordinated the wholesale export of dietary supplements and cosmetics manufactured by the company to the USA, Australia, Turkey, and Lebanon.- Managed product customization according to country requirements (formulas, claims, packages,accompanying documents etc.). Worked with the documents and certificates for the Customs.- Oversaw setting up representative offices in the USA and Australia, conducted negotiations with thecandidates for Managing Director position.- Built relationships with legal firms and regulatory advisors, accountants, designers in the USA andAustralia. Developed budget and monitored cash flow and expenses, provided direct report to theExecutives.