Hi, I’m
Ludmila Sarabia
Mortgage Loan Processor
Antipolo
Summary
Proven track record in enhancing collection rates and loan processing efficiency at Infotech College of Arts and Sciences and Rafeli Realty and Development Corporation. Excelled in employing persuasion techniques and problem-solving skills, boosting revenue recovery by 30%. Demonstrated exceptional planning and teamwork, significantly improving client satisfaction and operational workflows.
Overview
6
years of professional experience
Work History
Infotech College of Arts and SciencesAntipolo City
Collection Associate
12.2023 - Current
Job overview
- Utilized advanced knowledge of industry regulations to ensure compliance during all collection efforts.
- Collaborated with team members to strategize and execute company-wide collection initiatives, improving overall performance.
- Increased revenue recovery through diligent follow-up on past-due accounts and effective negotiation tactics.
- Maintained organized records of all collection activities, facilitating accurate reporting and analysis.
- Improved collection rates by implementing effective communication strategies and negotiation techniques.
- Enhanced client satisfaction by maintaining a professional and empathetic approach during interactions.
- Supported colleagues in achieving departmental objectives through teamwork, mentoring, and ongoing collaboration efforts.
- Used scripted conversation prompts to convey current account information and obtain payments.
- Identified and contacted customers with overdue accounts to address payment status.
- Regularly monitored accounts to identify overdue balances and potential areas of risk.
- Collected on delinquent accounts to reduce overdue balances.
- Contacted customers to discuss past-due accounts and negotiated payment plans.
- Responded to customer inquiries and provided detailed account information.
- Generated and distributed monthly customer statements.
- Monitored customer accounts for payment delinquency and initiated collection efforts.
- Established relationships with customers to encourage payment of delinquent accounts.
Rafeli Realty and Development CorporationMakati City
Mortgage Loan Processor
02.2018 - Current
Job overview
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
- Supervised a team of junior processors, ensuring consistent adherence to best practices and providing ongoing support as needed.
- Communicated with originator and applicant concerning progress of loan file.
- Optimized workflow management by prioritizing high-priority tasks and meeting strict deadlines consistently.
- Improved loan processing time by streamlining the application review process and enhancing communication with clients.
- Provided exceptional customer service while guiding borrowers through the entire loan process from pre-qualification to closing.
- Ensured compliance with federal lending regulations through meticulous attention to detail during the loan processing phase.
- Contributed to business growth through diligent work on complex loan applications that resulted in successful closings.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Facilitated smooth closing processes by collaborating effectively with title companies, appraisers, and attorneys.
- Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
- Handled any conditions sent from underwriting departments.
- Streamlined client communications by creating an organized system for tracking correspondence and followups.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Processed mortgage loan applications accurately and successfully for over Number years.
- Mitigated risk exposure for the organization through careful evaluation of applicant creditworthiness before proceeding with the loan process.
- Assisted underwriters in approving loans by verifying financial information and ensuring accurate documentation.
- Educated customers on loan services and regulations to confirm compliance.
- Reduced loan application errors by implementing a thorough quality control process for all submitted applications.
- Set up and completed loan submission packages.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Developed strong working relationships with real estate agents, further expanding referral networks for the company.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
Education
Divine Word CollegeTagbilaran City
Bachelor Of Science In Commerce - Management from Business Administration And Management
10.1998
Skills
Performance improvements
Persuasion techniques
History research
Locations expertise
Issue investigation
Accurate payment posting
Problem-Solving
Decision-Making
Planning and Coordination
Flexible and Adaptable
Self-Motivated
Active Listening
Teambuilding
Good Telephone Etiquette
Multitasking Abilities
Written Communication
Data Entry
Dependable and Responsible
Timeline
Collection Associate
Infotech College of Arts and Sciences
12.2023 - Current
Mortgage Loan Processor
Rafeli Realty and Development Corporation
02.2018 - Current
Divine Word College
Bachelor Of Science In Commerce - Management from Business Administration And Management