Customer Service Representative

Joe M. Gerardo

Anaheim
Hills, CA 92807

Hm: 714-701-0880

Cell: 714-767-0304

jm.gerardo@yahoo.com

Summary of Qualifications

Exceptional Customer Service Skills; Proficient with MS Word, MS Excel,
MS Outlook; Calyx Point, WinCmss, DU / LPS and Encompass; Organizational and
follow up Skills Proficiency; PC literate with Great Attention to Detail; Multi-tasking
with Strong Telephone Skills; Strong Oral and Written Communicating Skills; Jr.
Funder; QA Mortgage Collateral Analyst II; Mortgage Loan Doc Specialists III;
Personal Banker and Loan Processor.

Professional Experience

Americash
Mortgage Bankers, Costa Mesa, CA 9/2012-05/2013 Jr. Funder/Doc Reviewer

·
Fund Conforming, Non-Conforming, HARP, Refinances, Purchases, Conventional
and Jumbo Loans and Customer Service.

·
Acting as Mortgage Closer/Jr. Funder within a Lending Environment,
Prepare Loan Closing

Documents Coordinating HUD Approval and Completing System Updates in a
Timely Manner.

·
Review, Analyze and Prepare Closing Loan Documents in a Paperless and
High Volume Environment. Validate MI Certificate and Coverage.

·
Complete Operating System for Closing Information and Input Wiring
Instructions.

·
Verify Prior to Close Conditions are Cleared and Docs are in File.

·
Prepare and Send Closing/Final Settlement Statement for Accuracy and
Compliance per 2010 RESPA Regulations.

·
Complete Closing Checklist and Confirm Closing has Occurred by Title
Company.

·
Audit Calculations and Legal Documents for Accuracy.

·
Send Escrow Package with Deed, Escrow/Closing Instructions, HUD-1 and
Demand Payoff.

*** Contract Jobs ***

Residential Mortgage Solutions, Irvine, CA 03/2012-08/2012 Mortgage Collateral Analyst

·
Loan Collateral Review for
REO Investors and Update Collateral Loans in System.

·
Update Chain of Assignments
for Deed of Trust, and Review all Collateral Documents so that they are Properly
Coded with Complete Intervening Assignments, Endorsements and Allonges.

·
Review Loan Collateral
Documents and Update Current Data so they are Correct and Accurate.

·
Setup and Format Recording
Assignments for Recording in there State Counties.

·
Research Complete Recorded
Chain of Assignments in State Counties

·
Strong Written and Oral Communication
Skills with Time Management and Exceptional Customer Service.

·
Excellent Data Entry Skills
and Reviewing all Mortgage Loan Collateral Packages from Custodian Document Control
Operations Center.

Bank of New York Mellon Cypress, CA 06/2011-02/2012 Q.A. Mortgage Collateral Analyst

·
Quality Assurance of all Mortgage
Loan Reviewers and QA Collateral Loan Documents.

·
Quality Assurance of Vault
Control Documents Services for FNMA and other Mortgage Lenders.

·
Experience working as
Quality Assurance Analyst, Mortgage Reviewer, Editing, and Proofreading

·
QA Filing Associates on
Trailing Doc's, Reinstatements, Filing, and Scan FNMA Loans for Review and
Research.

·
QA Mortgage Collateral
Documents for Chain of Endorsements, Chain of Assignments, and that all
information is Correct and Accurate.

·
Update Collateral Loans in
System and all documents coded correctly with Complete Intervening Assignments.

·
Strong written and Oral Communication
Skills with Time Management and Exceptional Customer Service.

*** Fulltime Jobs ***

Home Loan Mortgage Specialists, Irvine, CA 11/2008-06/2011 Mortgage Collateral Analyst

·
Loan Collateral Review for
REO Investors and Update Collateral Loans in System.

·
Update Chain of Assignments
for Deed of Trust, and Review all Collateral Documents so that they are Properly
Coded with Complete Intervening Assignments, Endorsements and Allonges.

·
Review Loan Collateral
Documents and Update Current Data so they are Correct and Accurate.

·
Setup and Format Recording
Assignments for Recording in there State Counties.

·
Research Complete Recorded
Chain of Assignments in State Counties.

·
Update Collateral Loans in System and all
documents coded correctly with Complete Intervening Assignments.

·
Strong Written and Oral Communication
Skills with Time Management and Exceptional Customer Service.

·
Excellent Data Entry Skills
and Reviewing all Mortgage Loan Collateral Packages from Custodian Document Control
Operations Center.

Fullerton Community Bank, Anaheim, CA 01/2007-10/2008 Financial Service Rep. II

·
Exceptional Customer Service,
Responds to New Inquiries, Facilitates Opening of New Accounts.

·
Recommends related Banking
Products and Services Based on Minimal Financial Needs Analysis.

·
Proactively Cross Sells
additional Products, Proactively Seeks Referrals and Outbound Consulting.

·
Proactively Seeks, Develops
and Maintains New Business, Consumer Loans, and Home Equity Products.

·
Built relationships through
interviews with new and existing customers, service calls to prospective
employer groups.

·
Maintain Profiles to Meet Client's
Financial Needs, Short and Long Term, Ensure Goals are Met.

·
Educate and Train Associates
to Promote Group Learning, Maximize Sales, and Resolve Clients Concerns in a Timely
Manner.

·
Great Attention to Details, Organizational
and follows up Skills Proficiency, Ability to Interact with all levels of Management,
Employees, Industry peers and Customers.

Citi Financial/CitiMortgage, Irvine, CA 10/2002-12/2006 Loan Coordinator/Processor

·
Process Mortgage Loans;
Manage the Workflow for 6 Loan Processors, Exceptional Customer Service.

·
Processing and Approving
Loans within Assigned Limits and Establish Timeframes.

·
Making Decisions Based on
the Analysis of Credit Profile, Ratings and Loan Policy.

·
Informing Clients of Loan
Decisions and Debt, Explaining Documentation and Required Fees.

·
Ability to Communicate
Effectively with Others Both Verbally and in Writing, Great Attention to
Details.

·
Review & Examine All
Loan Documents to Order Doc's & Fund Loans, Reviewed Subordination
Agreements.

·
Communicate with Clients and
Lenders with Constant follow-up, Utilize Simple State-of-the-Art Software to
track file through the process.

·
Perform Residential and up
to Four Units Real Estate Transactions including the Appraisal Process.

Bank
of America, Anaheim, CA 12/1998-10/2002 Banking Mgmt. Assoc./Personal Banker II

·
Exceptional Customer
Service, responds to New Inquiries, Facilitates Opening of New Accounts.

·
Recommends related Banking Products
and Services based on Minimal Financial Needs Analysis.

·
Proactively Cross Sells additional
Products, Proactively Seeks Referrals and Outbound Consulting.

·
Proactively Seeks, Develops
and Maintains New Business, Consumer Loans, and Home Equity Products.

·
Built Relationships through
Interviews with New and Existing Customers, Service Calls to Prospective Employer
Groups.

·
Maintain Profiles to meet Client's
Financial Needs, Short and Long Term, Ensure Goals are Met.

·
Educate and Train Associates
to Promote Group Learning, Maximize Sales, and Resolve Clients Concerns in a Timely
Manner.

·
Great Attention to Details,
Organizational and Follows up Skills Proficiency.

Education:

Bilingual: English
and Spanish

Tucson
High School: Graduate
/ High School Diploma

Bank of America Courses: M.A.P.S
Program / Personal Banker

Degree Type: Banking
Certificates

NMLS: No.
703992

Joe M. Gerardo

Anaheim Hills, CA 92807

Hm: 714-701-0880

Cell: 714-767-0304

jm.gerardo@yahoo.com

Summary of Qualifications

Exceptional Customer Service Skills; Proficient with MS Word, MS Excel, MS Outlook; Calyx Point, WinCmss, DU / LPS and Encompass; Organizational and follow up Skills Proficiency; PC literate with Great Attention to Detail; Multi-tasking with Strong Telephone Skills; Strong Oral and Written Communicating Skills; Jr. Funder; QA Mortgage Collateral Analyst II; Mortgage Loan Doc Specialists III; Personal Banker and Loan Processor.

Professional Experience

Americash Mortgage Bankers, Costa Mesa, CA 9/2012-05/2013 Jr. Funder/Doc Reviewer

· Fund Conforming, Non-Conforming, HARP, Refinances, Purchases, Conventional and Jumbo Loans and Customer Service.

· Acting as Mortgage Closer/Jr. Funder within a Lending Environment, Prepare Loan Closing

Documents Coordinating HUD Approval and Completing System Updates in a Timely Manner.

· Review, Analyze and Prepare Closing Loan Documents in a Paperless and High Volume Environment. Validate MI Certificate and Coverage.

· Complete Operating System for Closing Information and Input Wiring Instructions.

· Verify Prior to Close Conditions are Cleared and Docs are in File.

· Prepare and Send Closing/Final Settlement Statement for Accuracy and Compliance per 2010 RESPA Regulations.

· Complete Closing Checklist and Confirm Closing has Occurred by Title Company.

· Audit Calculations and Legal Documents for Accuracy.

· Send Escrow Package with Deed, Escrow/Closing Instructions, HUD-1 and Demand Payoff.

*** Contract Jobs ***

Residential Mortgage Solutions, Irvine, CA 03/2012-08/2012 Mortgage Collateral Analyst

· Loan Collateral Review for REO Investors and Update Collateral Loans in System.

· Update Chain of Assignments for Deed of Trust, and Review all Collateral Documents so that they are Properly Coded with Complete Intervening Assignments, Endorsements and Allonges.

· Review Loan Collateral Documents and Update Current Data so they are Correct and Accurate.

· Setup and Format Recording Assignments for Recording in there State Counties.

· Research Complete Recorded Chain of Assignments in State Counties

· Strong Written and Oral Communication Skills with Time Management and Exceptional Customer Service.

· Excellent Data Entry Skills and Reviewing all Mortgage Loan Collateral Packages from Custodian Document Control Operations Center.

Bank of New York Mellon Cypress, CA 06/2011-02/2012 Q.A. Mortgage Collateral Analyst

· Quality Assurance of all Mortgage Loan Reviewers and QA Collateral Loan Documents.

· Quality Assurance of Vault Control Documents Services for FNMA and other Mortgage Lenders.

· Experience working as Quality Assurance Analyst, Mortgage Reviewer, Editing, and Proofreading

· QA Filing Associates on Trailing Doc's, Reinstatements, Filing, and Scan FNMA Loans for Review and Research.

· QA Mortgage Collateral Documents for Chain of Endorsements, Chain of Assignments, and that all information is Correct and Accurate.

· Update Collateral Loans in System and all documents coded correctly with Complete Intervening Assignments.

· Strong written and Oral Communication Skills with Time Management and Exceptional Customer Service.

*** Fulltime Jobs ***

Home Loan Mortgage Specialists, Irvine, CA 11/2008-06/2011 Mortgage Collateral Analyst

· Loan Collateral Review for REO Investors and Update Collateral Loans in System.

· Update Chain of Assignments for Deed of Trust, and Review all Collateral Documents so that they are Properly Coded with Complete Intervening Assignments, Endorsements and Allonges.

· Review Loan Collateral Documents and Update Current Data so they are Correct and Accurate.

· Setup and Format Recording Assignments for Recording in there State Counties.

· Research Complete Recorded Chain of Assignments in State Counties.

· Update Collateral Loans in System and all documents coded correctly with Complete Intervening Assignments.

· Strong Written and Oral Communication Skills with Time Management and Exceptional Customer Service.

· Excellent Data Entry Skills and Reviewing all Mortgage Loan Collateral Packages from Custodian Document Control Operations Center.

Fullerton Community Bank, Anaheim, CA 01/2007-10/2008 Financial Service Rep. II

· Exceptional Customer Service, Responds to New Inquiries, Facilitates Opening of New Accounts.

· Recommends related Banking Products and Services Based on Minimal Financial Needs Analysis.

· Proactively Cross Sells additional Products, Proactively Seeks Referrals and Outbound Consulting.

· Proactively Seeks, Develops and Maintains New Business, Consumer Loans, and Home Equity Products.

· Built relationships through interviews with new and existing customers, service calls to prospective employer groups.

· Maintain Profiles to Meet Client's Financial Needs, Short and Long Term, Ensure Goals are Met.

· Educate and Train Associates to Promote Group Learning, Maximize Sales, and Resolve Clients Concerns in a Timely Manner.

· Great Attention to Details, Organizational and follows up Skills Proficiency, Ability to Interact with all levels of Management, Employees, Industry peers and Customers.

Citi Financial/CitiMortgage, Irvine, CA 10/2002-12/2006 Loan Coordinator/Processor

· Process Mortgage Loans; Manage the Workflow for 6 Loan Processors, Exceptional Customer Service.

· Processing and Approving Loans within Assigned Limits and Establish Timeframes.

· Making Decisions Based on the Analysis of Credit Profile, Ratings and Loan Policy.

· Informing Clients of Loan Decisions and Debt, Explaining Documentation and Required Fees.

· Ability to Communicate Effectively with Others Both Verbally and in Writing, Great Attention to Details.

· Review & Examine All Loan Documents to Order Doc's & Fund Loans, Reviewed Subordination Agreements.

· Communicate with Clients and Lenders with Constant follow-up, Utilize Simple State-of-the-Art Software to track file through the process.

· Perform Residential and up to Four Units Real Estate Transactions including the Appraisal Process.

Bank of America, Anaheim, CA 12/1998-10/2002 Banking Mgmt. Assoc./Personal Banker II

· Exceptional Customer Service, responds to New Inquiries, Facilitates Opening of New Accounts.

· Recommends related Banking Products and Services based on Minimal Financial Needs Analysis.

· Proactively Cross Sells additional Products, Proactively Seeks Referrals and Outbound Consulting.

· Proactively Seeks, Develops and Maintains New Business, Consumer Loans, and Home Equity Products.

· Built Relationships through Interviews with New and Existing Customers, Service Calls to Prospective Employer Groups.

· Maintain Profiles to meet Client's Financial Needs, Short and Long Term, Ensure Goals are Met.

· Educate and Train Associates to Promote Group Learning, Maximize Sales, and Resolve Clients Concerns in a Timely Manner.

· Great Attention to Details, Organizational and Follows up Skills Proficiency.

Education:

Bilingual: English and Spanish

Tucson High School: Graduate / High School Diploma

Bank of America Courses: M.A.P.S Program / Personal Banker

Degree Type: Banking Certificates

NMLS: No. 703992

  • ID#: 75275
  • Location: Anaheim, CA , 92807

Don't Be Fooled

  • When selling, do not put your home address in your ad.
  • To avoid scams, buy and sell with people you can meet locally, in person.
  • When meeting with someone you don't know, meet in a public place. If that's not possible, have a buddy with you. Also, carry a cell phone; if you feel unsafe, you can call a trusted friend, and stay on the line.
  • Never give out financial or private information like account numbers, PayPal login, or social security number.
  • If an offer sounds too good to be true, it is. Walk away!

Look Who's Hiring!

Customer Service Representative Insurance
Aliso Viejo, CA Regency Business Insurance PARENT
Customer Service Representatives
Glendale, CA 24-7 InTouch
Part Time Customer Service Representatives
Burbank, CA Outlook Amusements
CUSTOMER SERVICE REPRESENTATIVE - POOLCORP Car...
Concord, CA POOLCORP
CUSTOMER SERVICE REPRESENTATIVE - POOLCORP Car...
San Jose, CA POOLCORP
PM Terminal Customer Service Representative
Brisbane, CA Forward Air