NINA GRACE SANTOS

Account Manager | Loan Processing and Credit Operations

• Managed a team of 6, including Document Collection, Credit Specialists, Inquiry Deletion, Settlement, and Loan Processors.
• Completed and submitted online home loan applications with attention to accuracy and compliance.
• Monitored documents for verification and ensured all initial paperwork was received prior to making offers.
• Coordinated with realtors to ensure the best fit for client needs.
• Monitored Debt-to-Income (DTI) ratios and income increases to maintain qualification standards.
• Followed up on all aspects of the loan process, from initial inquiry to closing.
• Maintained awareness of Homeowners Insurance (HOI), Homeowners Association (HOA) fees, and property taxes.
• Ensured timely and accurate monitoring of all files throughout the loan process.
• Reviewed credit reports, addressing late payments and derogatory marks as necessary.
• Collected and organized all required documentation for underwriting and loan approval.
• Managed and resolved conditions issued by underwriters to facilitate smooth processing through to closing.
• Supervised all departments involved to ensure that all conditions were met for a successful loan closing.

• Calendar and Schedule Management - Coordinate and manage executive’s daily schedule, including meetings, appointments, and travel. Organize and prioritize tasks to ensure efficient time management.
  
• Email and Correspondence Management - Manage and respond to 50 emails, letters, and other communications on behalf of the executive. Draft and proofread documents, reports, and presentations.
  
• Meeting Coordination - Schedule, plan, and organize meetings, including preparing agendas, taking minutes, and following up on action items. Ensure meeting materials are ready and logistics are arranged.
  
• Project Coordination - Assist with the planning, coordination, and execution of projects. Track project timelines, deliverables, and report status updates.
  
• File and Document Management - Organize and maintain filing systems, both physical and digital.
  Handle confidential information with discretion.
  
• Communication Liaison - Act as a point of contact between executives, employees, and external stakeholders.
  Relay messages, provide information, and resolve inquiries in a professional manner.
  
• Research and Reporting - Conduct research and prepare reports, presentations, and briefing materials for meetings or executive decision-making. Stay updated on industry trends and relevant developments.
  
• Client and Partner Relations - Build and maintain strong relationships with clients, partners, and other external contacts. Ensure prompt responses and follow-ups to key inquiries.
  
• Personal Assistance - Provide personal support to the executive, such as managing personal errands, schedules, or arrangements as required.
  
• Task Prioritization and Time Management - Prioritize tasks, manage competing priorities, and handle multiple projects simultaneously.
  
• Problem-Solving and Decision-Making Support - Assist the executive in decision-making by providing relevant information and analysis. Handle minor issues independently and escalate matters as necessary.
  

• Conducted sales calls to achieve daily quotas, effectively offering financial products such as loans and revolving credit to clients.
• Completed applications and ensured all necessary requirements were met for processing.
• Followed up with clients through emails and calls to address inquiries and provide support.
• Monitored applications to enhance approval rates and optimize results.
  Reviewed and analyzed calls for continuous improvement and skills development.
  
  
  

• Managed a sales team of 15+ associates, ensuring high performance and consistent results.
• Maintained up-to-date knowledge of current sales trends, promotions, and advanced selling techniques to effectively close deals.
• Planned and directed staff training programs, overseeing performance evaluations to foster continuous improvement.
• Trained incoming sales team members through personalized one-on-one coaching, call listening (both recorded and live), and providing immediate, constructive feedback to drive improvement.
• Accurately calculated sales commissions for a team of 15+ representatives, ensuring transparency and fairness in compensation.

• Completed daily outbound calls for up to 8 hours, consistently reaching out to prospective and existing clients.
• Negotiated pricing, terms of sales, and service agreements to secure mutually beneficial deals.
• Identified and pursued potential customers by utilizing business directories and leveraging leads from current clients.
• Matched customers with the right products by assessing their needs, understanding product specifications, and ensuring compliance with applicable regulations.

• Company Overview: Advertising Company
• Handling Sales and Marketing Department
• Focuses of LED, Lamppost Banners, Billboards
• Managing the quality of the materials
• Monitoring the operation department
• Making sure all client are satisfied on the quality of product and service
• Advertising Company

• Company Overview: Advertising Company
• Handling Sales and Marketing Department
• Focuses of LED, Lamppost Banners, Billboards
• Managing the quality of the materials
• Monitoring the operation department
• Making sure all client are satisfied on the quality of product and service
• Advertising Company