Chris Riddle
Guaranteed Rate
Riverside
13
years of professional experience
I am a dedicated and detail-oriented business professional experienced in problem solving, service and time management, aiming to leverage all my abilities to successfully utilize my knowledge while contributing significantly to the success of an organization. Frequently praised as hardworking by my peers, I can be relied upon to help your company at all organizational levels achieve its goals.
Work History
Mortgage Processor
6 Months- Process mortgage applications by verifying borrower information and documentation.
- Collaborate with loan officers, Underwriters, Appraisers, Escrow and Title to ensure accurate and timely processing of loans.
- Utilize mortgage processing software to manage workflow and track application status.
- Communicate effectively with clients to gather necessary information and address inquiries.
- Review financial documents and calculate complex qualifying income and ensure compliance with lending standards.
- Assist in preparing loan files for underwriting to facilitate approval process.
- Maintain organized records of processed applications for audit readiness.
- Optimized workflow efficiency by prioritizing tasks based on client needs and deadlines, ensuring timely completion of loans.
- Demonstrated excellent attention to detail when evaluating all documentation in file for consistency with market trends and established guidelines.
Human Resources Technician
1 Year 10 Months- Assists with payroll processing, benefits enrollment and cancellations and reinstatements, financial reporting, records management and auditing and discrepancy resolution.
- Completed employee benefits billing and invoicing for healthcare, dental, vision and retirement plans on bi-weekly basis.
- Collaborated with finance, accounting and other HR departments to identify and resolve discrepancies in billing and employee deductions.
- Tracked all time off balances and leave accruals for employees in payroll software for accuracy.
- Managed billing scenarios against numerous County MOU's for varying departments within the county to provide direction, explanations and feedback to employees.
- Prepared and maintained bi-weekly reports for myself and other staff as needed for 457/ 401k plans, benefits billing, term report and refund interfaces.
- Managed and maintained files, logs and records
- Prepared/ assisted with various projects including researching, compiling, arraigning and computing data and composing reports; ensured proper and timely completion of persons assigned to each project.
- Collaborated with team members on HR projects, contributing insights to improve overall departmental effectiveness.
Fiscal Specialist
1 Year- Maintained fiscal records and ledgers for Transient Occupancy Tax division ensuring accuracy of financial information.
- Reconciled system of record with Transient Occupancy Tax application.
- Reviewed Transient Occupancy Tax forms for short term rentals on a quarterly basis, identifying discrepancies in accounting data and resolving issues with external customers.
- Processed payments for owners of short term rentals quarterly using ACH and ETF systems.
- Completed weekly audits of Transient Occupancy tax returns, documented discrepancies and resolved discrepancies while keeping open correspondence with hosts during the audit.
- Ensured TOT Department's constant compliance with Land Use, Code Enforcement, Tax Collector and adhered to all federal, state and local laws.
- Managed files, logs, ledgers and records for ordinance compliance code section 14.0203 Uniform Transient Occupancy.
- Created quarterly reports and presented to upper management showing quarterly TOT revenue, refunds issued and transfers applied to existing TOT returns supporting amounts still owed.
- Utilized double-entry accounting technique to track payments made by hosts between TOT system; record is kept of amount due and what was paid using cash method and accrual method.
Underwriter
10 Years 3 Months- Underwrite Conventional and VA Transactions with an an average monthly volume of 60+ files.
- Reviewed and analyzed complex borrower income documentation to confirm income used for qualifying and repayment ability, employment status/ history, education, analyzed housing expense and identified any fraud to determine proper loan resolution/ eligibility.
- Reviewed/ analyzed borrowers' credit history, types of debt, payment history, pattern of delinquency, established credit history/ re-established credit history and other pertinent financial indicators to determine the likelihood for repayment of the loan as agreed.
- Methodically reviewed income documentation such as paystubs, W-2s, tax returns (personal and business), partnerships, profit and loss statements/ balance sheets, trust, pension, SSI, disability, military and retirement distributions; also reviewed bank statements and other financial records to verify the consistency, reliability and sustainability of an applicants income sources. This includes assessing the frequency and stability of earnings. Reconciliation is also completed to ensure nothing fraudulent is provided.
- Audited tax returns (personal and business) to ensure completion accurately and returns provided aligned with IRS tax filings/ transcripts.
- Reviewed Title Commitments and appraisals to confirm property details, owners of record, transfers of title, tax liens and encumbrances, verify legal description of properties, property types, and whether or not taxes are paid or delinquent.
- Monitored loan disbursements, transfers and releasing of funds through Escrow.
- Ensured compliance with HUD guidelines and Investor overlays at all times.
- Met all loan deadlines while maintaining accuracy and minimizing company loss.
- Adhered to quality and service standards to support operational goals.
- Collaborated with loan officers, processors, closers and management to resolve any issues and expedite loan closings.
Education
High School Diploma
No Degree - Business
Skills
Strong communication skills
Collaboration and teamwork
Professionalism and ethics
Fraud detection capabilities
Underwriting
Loan processing expertise
Timeline
Mortgage Processor
Guaranteed Rate
04.2026 - CurrentRead More
Human Resources Technician
San Bernardino County Department of Human Resources
06.2024 - 04.2026Read More
Fiscal Specialist
County of San Bernardino Department of Tax Collector
06.2023 - 06.2024Read More
Underwriter
Cornerstone Home Lending Inc
03.2013 - 06.2023Read More
San Beranrdino Valley College
No Degree from Business
Read More
San Gorgonio High School
High School Diploma
Read More
Awards
- Cornerstone Caught in the Act recognition award (2023)
- Wells Fargo top quality award (2011 & 2012)
- Wells Fargo top processor award (2012)
- Countrywide Home Loans employee of the year (2007)
- Frito Lay Cucamonga Cornerstone Award (2005)