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!

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