Summary
Overview
Work History
Education
Skills
Timeline
Generic

Marisol Ramos

Canyon Country

Summary

Detail-oriented individual with exceptional communication and project management skills. Proven ability to handle multiple tasks effectively and efficiently in fast-paced environments. Recognized for taking proactive approach to identifying and addressing issues, with focus on optimizing processes and supporting team objectives.

Results-oriented achiever with proven ability to exceed targets and drive success in fast-paced environments. Combines strategic thinking with hands-on experience to deliver impactful solutions and enhance organizational performance.

Overview

17
17
years of professional experience

Work History

Transaction Coordinator

Cardinal Financial
02.2020 - 11.2023
  • Ensured smooth transaction coordination by managing timelines, deadlines, and documentation requirements.
  • Organized and maintained digital files for easy access, streamlining the document retrieval process during audits or inquiries.
  • Acted as a reliable point of contact for all parties involved in the transaction, ensuring clear communication and timely resolution of any issues that arose.
  • Managed sensitive client information securely to maintain confidentiality and uphold company privacy policies strictly.

Home Loan Specialist

PennyMac Loan Services LLC
04.2016 - 02.2020
  • Review underwriting approvals and request outstanding conditions
  • Review pipeline daily to monitor team turn times, lock expirations, and other upcoming deadlines
  • Prepare and send the initial/conditional Loan Commitment Letter to borrowers
  • Order subordinations and payoffs
  • Request HOA documents and approval
  • Order and review credit reports, request credit supplements, rescores and soft pull
  • Place all applicable third party orders per the underwriter approval
  • Order and review loan-related documents, including title insurance, flood and tax certificates and surveys
  • Order and analyze tax transcripts
  • Order updated Mortagee clause on property insurance
  • Ensure pricing and fees are accurately reflected on each transaction
  • Issue proper disclosures as required by federal regulatory compliance and review rate lock and point objectives for accuracy
  • Prepare closing checklists and balance all final fees and costs

Loan Coordinator/ Operations Assistant

Guaranteed Rate Inc
03.2014 - 04.2016
  • Review in house and outside underwriting approvals and request outstanding conditions
  • Review pipeline daily to monitor team turn times, lock expirations, and other upcoming deadlines
  • Prepare and send the initial/conditional Loan Commitment Letter to borrowers
  • Order subordinations and payoffs
  • Request HOA documents and approval
  • Review credit reports, request credit supplements, rescores and soft pull
  • Place all applicable third party orders per the underwriter approval and prepare closing checklists
  • Order and review loan-related documents, including title insurance, flood and tax certificates and surveys
  • Order and analyze tax transcripts
  • Order updated Mortagee clause on property insurance
  • Ensure pricing and fees are accurately reflected on each transaction
  • Issue proper disclosures as required by federal regulatory compliance and review rate lock and point objectives for accuracy
  • Coordinate document signings with borrowers, agents, escrow/closing attorneys
  • Review and balance all final closing fees and costs
  • Order office supplies
  • Assist with new employee training
  • Coordinate office meetings and lunches

Originations-Senior Loan Processor

JP Morgan Chase Bank
11.2006 - 11.2013
  • Service customers as their main point of contact while preparing and moving mortgage loans to closing
  • Issue proper disclosures as required by federal regulatory compliance and review rate lock and point objectives for accuracy
  • Ensure pricing and fees are accurately reflected and all fees balance on each transaction
  • Maintain a monthly pipeline to ensure individual and team goals are met- Average 60-70 units monthly
  • Audit loan origination files, order necessary appraisals, title, and credit documents
  • Review loan-related documents, including title insurance, flood and tax certificates and surveys
  • Submit documentation to Underwriting, compliance, audit and legal for review and approval
  • Review the documents for acceptability against loan conditions
  • Work closely with Loan Officers and coordinate with all parties to obtain additional documentation

Senior Short Sale Liquidation Analyst

JP Morgan Chase Bank
11.2006 - 11.2013
  • Responsible for mitigating short sale losses on the bank owned portfolio
  • Dealt with Realtors, Attorneys, Escrow and Title companies to liquidate properties quickly and efficiently while maximizing proceeds to bank
  • Reviewed contracts, GFE, TIL, HUDs for accuracy and completeness
  • Obtained borrowers financial information and credit report
  • Coordinated closing dates with Title, Attorneys and Realtors
  • Ordered and reviewed broker price opinions and property comparables
  • Negotiated with outside liens to obtain lien releases
  • Balanced all final fees and costs

Senior Loan Modification Negotiator

JP Morgan Chase Bank
11.2006 - 11.2013
  • Review and analyze borrower documentation to determine income and repayment ability
  • Assess borrower hardship
  • Analyze borrower housing income and expenses and determine proper loan resolution
  • Review the recommended foreclosure prevention alternative offered to the homeowner to ensure all investor/insurer guidelines are followed
  • Analyze delinquency, perform escrow analysis, analyze modification scenarios and proposals, and recommend appropriate loan workout
  • Responsible for timely and accurate database maintenance, update and correction in all related systems
  • Obtain all third party approvals including investor and mortgage insurance company approvals and maintain up to date knowledge of relevant default practices affecting loan servicing decisions

Education

Los Angeles Mission College
Sylmar, CA

John H Francis Polytechnic High
Sun Valley, CA

Skills

  • Excellent management skills
  • Highly organized
  • Discretion & professionalism
  • Excellent written and verbal skills
  • Problem solver
  • Multi-tasking expert
  • Personnel file maintenance
  • Strong interpersonal and communication skills
  • High level of initiative and execution
  • Self-motivated with a positive 'can do' attitude
  • Proficiency in MS Word, Excel, PowerPoint, MSP (Black night), Encompass, Closr, Docu Sign, DataVerify
  • Internet Savvy, 55 WPM
  • Transaction monitoring
  • Document coordination
  • Property research
  • Escrow coordination
  • Real estate
  • Contract comprehension
  • Willing to learn
  • Teamwork and collaboration
  • Customer service
  • Problem-solving
  • Time management
  • Attention to detail
  • Problem-solving abilities
  • Multitasking Abilities
  • Excellent communication
  • Reliability
  • Critical thinking
  • Organizational skills
  • Team collaboration
  • Effective communication
  • Adaptability and flexibility
  • Decision-making
  • Team building leadership
  • Planning and coordination
  • Relationship building and management
  • Prioritizing and planning
  • Proactive and focused
  • Financial analysis and reporting
  • Analytical thinking
  • Conflict resolution
  • Adaptability
  • Problem-solving aptitude
  • Negotiation

Timeline

Transaction Coordinator

Cardinal Financial
02.2020 - 11.2023

Home Loan Specialist

PennyMac Loan Services LLC
04.2016 - 02.2020

Loan Coordinator/ Operations Assistant

Guaranteed Rate Inc
03.2014 - 04.2016

Originations-Senior Loan Processor

JP Morgan Chase Bank
11.2006 - 11.2013

Senior Short Sale Liquidation Analyst

JP Morgan Chase Bank
11.2006 - 11.2013

Senior Loan Modification Negotiator

JP Morgan Chase Bank
11.2006 - 11.2013

Los Angeles Mission College

John H Francis Polytechnic High

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Marisol Ramos