Ruth Salud
Carson
Work Preference
Summary
Proactive professional with a strong ability to adapt to new challenges and environments. Proven problem-solving skills and a history of building effective relationships with clients and team members. Committed to supporting team success and enhancing customer satisfaction through exceptional service delivery. Motivated individual with a solid work ethic and a focus on continuous learning and improvement.
Overview
25
25
years of professional experience
1
1
Certification
1
1
Language
Work History
Mortgage Specialist
Wisdom.Loan
Carson
07.2022 - Current
- Conducted comprehensive financial analyses to assess borrower's ability to repay.
- Researched current market trends to identify potential opportunities for clients.
- Conducted pre-qualification interviews with borrowers over the phone or in person.
- Guided applicants through the loan process, from application to closing.
- Developed and maintained relationships with customers, real estate agents, and other professionals in the industry.
- Coordinated with underwriters for loan approval and final decision-making.
- Prepared loan documents such as credit reports, income statements, appraisals, and closing statements.
- Educated customers regarding actions and strategies for debt repayment.
Broker Associate
Home Team Realty
Torrance
01.2016 - Current
- Negotiated between sellers and buyers over property prices and settlement deals.
- Coordinated inspections to ensure that all necessary repairs were completed prior to closing.
- Managed listing process by providing accurate information about current market conditions, pricing suggestions, and preparing contract documents.
- Created spreadsheets in Microsoft Excel for record-keeping and reporting.
- Applied strict company and regulatory standards when producing contracts and documentation.
- Managed client meetings expertly to create positive energy, build trust and lock in new agreements.
- Provided guidance to clients regarding financing options for real estate purchases or refinancing existing properties.
Volunteer for Church, and Missions
Non Profit Organization
Carson
01.2002 - Current
- Organized and maintained records of volunteer hours and donations.
- Offered support and assistance to community members.
- Assisted with fundraising efforts, including event planning and donor outreach.
- Collaborated with others by contributing time, effort and skills to achieve the organization's goals.
- Made referrals to utilize community resources for resident's needs.
- Helped with prep, set up, and breakdown of community and public events.
- Collaborated with other volunteers to create a positive work environment.
- Administered operating budgets, enforcing internal expense-monitoring controls.
- Maintained updated knowledge through continuing education and advanced training.
- Demonstrated strong problem-solving skills, resolving issues efficiently and effectively.
- Utilized various software and tools to streamline processes and optimize performance.
- Worked effectively in team environments to make the workplace more productive.
- Achieved cost-savings by developing functional solutions to problems.
- Recognized by management for providing exceptional customer service.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
Education
Bachelor of Science - Business Administration
University of Phoenix
04-1997
Kaplan
Skills
- Financial analysis
- Loan processing
- Market research
- Customer service
- Document preparation
- Regulatory compliance
- Relationship management
- Negotiation skills
- Data analysis
- Project management
- Team collaboration
- Problem solving
- Time management
- Client education
Affiliations
- Very well involve in church, mission and shelters
Certification
- Continuing Educations yearly
- Real Estate license
- Brokers license
- Mortgage License
- Notary
Languages
Tagalog
References
References available upon request.
Education and Training
other,other
Languages
1
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Mortgage Specialist
Wisdom.Loan
07.2022 - Current
Broker Associate
Home Team Realty
01.2016 - Current
Volunteer for Church, and Missions
Non Profit Organization
01.2002 - Current
Bachelor of Science - Business Administration
University of Phoenix
Kaplan
Accomplishments
Volunteered as Medical Mission Director for 21 years
- Directed and managed large-scal medical mission operations, supervising more than 50 multidisciplinary team members,including physicians, nurses, dentists, pharmacists, public health personnel, and community volunteers.
- Planned and designed clinic floor layouts and patient flow processes to improve efficiency, reduce wait times, and enhance the overall patient experience.
- Coordinated cross- functional teams to ensure seamless delivery of medical, dental, pharmacy and public health services.
- Developed operational workflows for patient registration, triage, treatment, pharmacy, an discharge, serving adults and children in high volume community outreach settings.
- Led volunteer scheduling, team coordination, and on-site logistics to ensure effective communication and high quality patient care.
- Collaborated with health care professionals to maintain safe, organized, and compassionate care environments during medical missions.
- Oversaw daily operations, resolved workflow challenges, and implemented process improvements to maximize efficiency and patient satisfaction.
- Demonstrated leadership in strategic planning, operations management, health care coordination, and community service through more than two decades of volunteer leadership.
Quote
Your talents are not meant to remain hidden-they are a gift from God, entrusted to you for a purpose. Develop them, use them wholeheartedly, and let every act of excellence, service, and compassion bring glory to the God who gave them to you.
Ruth Salud
Interests
Healthcare Operations and Process Improvement
Community Health Outreach
Leadership and Team Development
Volunteer Management
Patient Advocacy
Healthcare Quality and Safety
Public Health Initiatives
Strategic Planning and Organizational Development
Continuous Learning and Professional Development
Faith Based Community Service
Software
Microsoft Office Suites (Word, Excel PowerPoint, Outlook
Google Workspace
Zoom, Microsoft Teams, Google Meet
Adobe Acrobat
Canva
Scheduling and Calendar Management software
Data Entry and Database Management
Cloudfile
Social Media Platforms
Internet Research and oline collaboration tools
California Association
AIRE commercial forms
CRMLS
Blink applications
Additional Information
* 21 years of volunteer leadership as Medical Mission Director, overseeing multidisciplinary healthcare teams of 50+ physicians, nurses,dentists, pharmacists, public health professionals, and volunteers.
* Extensive experience in healthcare operations, clinic workflow designs, patient flow optimization and event logistics.
* Proven ability to lead cross-functional teams, coordinate large-scale community outreach events and manage high-volume patient services
* Strong skills in strategic planning, problem solving, process improvement, conflict resolution, and team collaborations.
* Experienced in volunteer recruitment, training, scheduling, and supervision.
* Committed to compassionate service, patient centered care, and continuous operational improvement.
* Excellent communication, organizational , and leadership skills.
* Authorized to work in the United States
Additional Qualifications
* Knowledgeable in residential real estate transactions and mortgage lending process, including home financing, loan programs, underwriting requirements, escrow, title, and closing procedures
*Strong understanding of mortgage products, borrower qualification guidelines, and the home buying process, enabling clear communication and effective client support.
* Skilled at reviewing documentations, coordinating with multiple stakeholders, and managing complex processes that require accuracy, organization, and attention to detail.
* Experienced in analyzing information, solving problems, and guiding individuals through detailed processes while maintaining professionalism and confidentiality.
* Demonstrated ability to build trusted relationships through excellent communication, integrity,and a customer focused approach.
* Recognized for strong organizational, project coordination, and process improvement skills that translate effectively across healthcare , real estate and administrative operations.