MA. ANNE KIMBERLY G. GERMEDIA
Home Equity Closer
San Jose del Monte
Summary
- Results-oriented professional with 15 years of work experience and proven knowledge in banking and financial needs, customer relationship management, and competitive analysis.
- Detail-oriented and methodical Closer successful in assembling closing documentation for Home Equity Investment. Work quickly and accurately to meet strict standards, clear issues and prepare document packages.
- Talented Home Equity Closer well-versed in loan closing processes and documentation requirements. Maintain full calendar of closings and easily handle more than 100 per month. Keep paperwork organized for smooth closings.
- Experienced with handling complex banking transactions and delivering top-notch client service. Utilizes analytical skills to identify client needs and provide appropriate financial solutions. Track record of maintaining high accuracy and efficiency in banking operations.
- Hardworking, highly motivated professional eager to lend combined knowledge and skills to enhance business performance.
- Operates well in both individual and team capacities, leveraging seasoned work ethic to quickly adapt to different processes and drive company objectives.
Overview
15
15
years of professional experience
2011
2011
years of post-secondary education
Work History
Home Equity Closer
Point Digital Finance, Inc.
05.2024 - Current
- Conduct full file QC review including Title Reports, Tax Certificates, Mortgage Billing Statements, HOA Billing Statements, Payoff Statements, ALTA Settlement Statements, Vesting Deeds, and IDs.
- Issue Closing Disclosures to homeowners.
- Coordinate signing appointments with homeowners and Title vendors.
- Explain Point Option agreements to homeowners, including repayment terms, summary of terms, and funding timelines.
- Prepared preliminary settlement statements and loan closing instructions for review by title companies and closing agents.
- Mentored junior colleagues in closing techniques, contributing to overall team success and growth.
- Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
Senior Escalations - Executive Office
Wells Fargo Philippines
03.2021 - 05.2024
- Built and established strong relationships with customers, enabling long-term partnerships.
- Determine appropriate course of action and conduct investigative steps to fully identify customer issues to boost customer satisfaction.
- Collaborated with other line of business such as legal and branch to ensure accuracy of resolution.
- Perform complex administrative and customer support tasks by managing daily schedules and providing work direction to the team.
- Built and maintained pipeline that supported monthly, quarterly and annual goals.
- Provide subject matter expertise and interpretation of procedures to support less experienced team members.
- Created and designed the Productivity Tracker for the Deposit Group in April 2021, Complaints scenario library in May 2021, and Case per Day calculator in February 2023.
- Proficient in using Customer relationship management (CRM) tools, Jira, Nice Engage, Visa Processing, and managed service provider (MSP).
Fraud & Claims Operation Specialist II
Wells Fargo Philippines
03.2016 - 02.2021
- Utilized strong analytical skills to review multiple banking products and systems to determine occurrence of financial abuse.
- Interacted with customers to further develop cases and analyze points of compromise.
- Minimized operating losses and exposure to loss through effective analysis and prevention procedures.
- Conducted in-depth investigations of suspicious financial activity such as elderly financial abuse.
Chat Support Representative
Afni, Inc.
07.2015 - 02.2016
- Processing orders for a US based telecommunication products and services.
- Resourceful and results-driven with a passion for growth and efficiency to meet company needs and increase service value.
- Checking for product availability pricing and delivery status for the customer.
- Provide answers to clients by identifying problems researching, troubleshooting techniques, guiding client, and basic troubleshooting of the phone devices subscription plan.
- Ensure high customer satisfaction through pleasant quick and accurate service.
Consumer Loan Specialist - Mortgage Banking
JPMorgan Chase Bank, N.A.
10.2012 - 07.2015
- Determine the validity of the documents for mortgage origination and settlement.
- Review and calculate charges that were applied to the customer (RESPA Tolerances and TILA Finance Change Tolerances) and ensure it adheres to RESPA/TILA Regulation.
Operational Risk & Control - Quality Specialist II
JPMorgan Chase Bank, N.A.
10.2012 - 07.2015
- Perform Federal Trade Commission (FTC) monthly transactional audit to ensure the compliance for FTC Consent Order requirements.
- Devised systems and processes to monitor validity of risk assessments.
- Produced reports and presentations that outline findings, explain risk positions and recommend changes.
- Recommended ways to control and reduce risk.
- Maintained input and data quality of risk management systems.
Transaction Processing Officer - Health Membership
Accenture, Inc.
02.2011 - 10.2012
- Company Overview: Philippines
- Pioneer a team that ensures all customer's data was accurately entered in the system and safeguard its compliance to HIPAA Regulations.
- Elected by management as a Point-Of-Communication for National Health Account.
- Philippines
Legal Support Specialist
Global Strategic Business Process Solutions
04.2010 - 10.2010
- Review and provide legal documents necessary for the foreclosure of a property under FREDDIEMAC.
- Drafted legal correspondence and managed the preparation of court filings.
Education
Bachelor - Business Education
Polytechnic University of The Philippines
Skills
- Process optimization
- Support for operational processes
- Proficient in customer interactions
- Competitive analysis expertise
- Competitive analysis expertise
- Customer Relationship Management
Timeline
Home Equity Closer
Point Digital Finance, Inc.
05.2024 - Current
Senior Escalations - Executive Office
Wells Fargo Philippines
03.2021 - 05.2024
Fraud & Claims Operation Specialist II
Wells Fargo Philippines
03.2016 - 02.2021
Chat Support Representative
Afni, Inc.
07.2015 - 02.2016
Consumer Loan Specialist - Mortgage Banking
JPMorgan Chase Bank, N.A.
10.2012 - 07.2015
Operational Risk & Control - Quality Specialist II
JPMorgan Chase Bank, N.A.
10.2012 - 07.2015
Transaction Processing Officer - Health Membership
Accenture, Inc.
02.2011 - 10.2012
Legal Support Specialist
Global Strategic Business Process Solutions
04.2010 - 10.2010
Bachelor - Business Education
Polytechnic University of The Philippines
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