Tina Lo Cicero
Coral Springs,FL
Summary
To secure a position with a well-established organization that will lead to a lasting relationship and enable me to maximize my skills and training experience. Diligent and driven loan processor who has achieved success in a variety of roles with increasing levels of responsibility. An effective communicator and team-builder with strong analytical, management and organizational skills. Authorized to work in the US for any employer
Overview
21
21
years of professional experience
Work History
Operation Manager
Bok Lending Inc
West Palm Beach, Florida
06.2015 - Current
- Analyze credit reports of clients seeking automobile loans.
- Evaluate customer files according to company guidelines.
- Ensure that clients maintained appropriate automobile insurance.
- Record and monitor automobile loan payments.
- Generate repossession of vehicles, when appropriate.
- Verify and monitor automobile GPS system is operable.
- Release liens on vehicles.Quote automobile payoffs.
- Coordinate insurance and gap claims.
- Verify payments of insurance claims and evaluate that payment is fair market value.
- Release liens and cancel warranties on vehicles.
- Generate reports to owner.
Automobile Processor/Funder
Tristar Acceptance
Deerfield Beach, FL
11.2013 - 05.2015
- Experienced loan processor in the auto finance industry (subprime) with an ability to understand terms and conditions pertaining to programs/lending guidelines.
- Reviewed loan files to verify procedures per guidelines.
- Verified documentation from clients.
- Followed up with banks to satisfy conditions of approval.
- Communicated with automobile dealers to advise status of approvals.
- Verified documents were in order before funds were distributed to dealers to ensure all stipulations were met and approved.
- Communicated with CFO to ensure monies requested and checks issued were cross referenced and identical, and in line with underwriting guidelines.
- Computer literate with experience in Microsoft Office and web-based programs backed up with solid data entry skills.
- Ability to multi-task and detail oriented with strong organizational skills.
Paralegal loan Modification Specialist
RKE Law Group
11.2012 - 06.2013
- Assisted homeowners to avoid foreclosure and referred clients to appropriate programs.
- Calculated ratio income and input financials into worksheets and data system.
- Collected and coordinated documents for lenders and mediation center, and updated files.
- Reviewed and analyzed all loan documents before submission to ensure files were complete.
- Assembled files for counseling and mediation between opposing counsel, attorneys and lending institutions.
- Heavy contact with clients, lenders and mediation centers.
Loan Modification Specialist
Florida Foreclosure Law Group
01.2009 - 12.2010
- Assisted homeowners to avoid foreclosure and referred clients to appropriate programs.
- Calculated ratio income and input financials into worksheets and data system.
- Collected and coordinated documents for lenders and mediation center, and updated files.
- Reviewed and analyzed all loan documents before submission to ensure files were complete.
- Assembled files for counseling and mediation between opposing counsel, attorneys and lending institutions.
- Heavy contact with clients, lenders and mediation centers.
Supervisor of Loan Modifications and Debt Settlement
Elect Group
Boca Raton, FL
01.2009 - 12.2010
- Specialist in loan modification, debt consolidation and conforming refinances.
- Minimize incidents of default by pursuing alternatives to foreclosure.
- Scheduled meetings and met with clients to review financials for refinancing.
- Assist homeowners who are potentially in home losing situations.
- Monitored client accounts to match homeowners with appropriate loan programs.
- Heavy telephone contact with financial institutions and lenders regarding processing files and gathering homeowners\\' documents.
Legal Assistant/Supervisor
Alex Arreaza
01.2008 - 12.2008
- Reviewed income, finance and credit report data for inclusion in financial reports.
- Calculated income and loan ratios to verify clients were pre-qualified for loan modification programs.
- Assembled and reviewed all documents that lender required before submittal to financial institutions.
- Negotiated with underwriters and followed up to ensure files were reviewed in a timely fashion.
- Prepared letters and maintained continuous contact with clients and lenders to update status of modifications.
- Supervised office personnel, and assisted attorney with problem files.
- Assisted clients to gain admission in programs such as HAMP and Making Homes Affordable to obtain lower mortgage payments.
- Calculated loan ratios to verify clients were assigned to appropriate loan modification programs.
- Calculated client financial statements and included appropriate documents for forwarding to underwriters of lending companies.
- Resolved issues between clients, lenders and underwriters.
Junior Loan Processor
First NLC Financial Corp
Boca Raton, FL
01.2003 - 12.2007
- Verify prospective client information, pulled and reviewed credit reports, confirmed employment and financial status for approval of residential loans.
- Ensure branch compliance with all mortgage policies and procedures.
- Run loan file through automated underwriting engine.
- Collect all necessary documentation needed to submit loan files, notified applicants if additional information was needed and forwarded findings to the company appraisal department.
- Mailed disclosures on a timely basis (within three days).
- Heavy communication with account executives, title companies and attorneys.
- Extensive experience in sub-prime and Alt A products.
Education
High School Diploma - undefined
Lehman High School
Bronx, NYSkills
Sub-prime auto loans, Auto Finance, Debt Solution Settlements, Microsoft Office, MS Office, Paralegal, Financial Reports, Financial Statements, Legal Assistant Outstanding customer service Additional Software: Defender, Title Tech, AutoPal,Excel, Magic, Microsoft Word, Outlook, Peachtree, Calyx, Byte, N\\'Vision, Doc Magic,Excellent communication and computer skills Experienced in collections
Timeline
Operation Manager
Bok Lending Inc
06.2015 - Current
Automobile Processor/Funder
Tristar Acceptance
11.2013 - 05.2015
Paralegal loan Modification Specialist
RKE Law Group
11.2012 - 06.2013
Loan Modification Specialist
Florida Foreclosure Law Group
01.2009 - 12.2010
Supervisor of Loan Modifications and Debt Settlement
Elect Group
01.2009 - 12.2010
Legal Assistant/Supervisor
Alex Arreaza
01.2008 - 12.2008
Junior Loan Processor
First NLC Financial Corp
01.2003 - 12.2007
High School Diploma - undefined
Lehman High School
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