Noemi Ruvalcaba

Facilitated international wire transfers for personal and business clients, ensuring timely and accurate transactions.

• Gathered and documented wire instruction requests from clients, improving processing efficiency and accuracy.
• Processed client transactions accurately and efficiently.
• Collaborated with team members to streamline service workflows, enhancing overall client service delivery.
• Utilized internal systems to track service requests and updates.
• ensured disclosures were accurate and up to date
• Processed incoming orders efficiently and accurately for timely fulfillment.

Executed enhanced due diligence reviews, recommending actions to mitigate fraud risk.

Identified fraud indicators and delivered tailored solutions to address client concerns.

Questioned clients regarding transactions to determine subsequent actions.

Maintained compliance with bank procedures and ensured proper identification verification.

Initiated stop payment requests by handling inbound merchant calls.

• Assisted clients in understanding charges and payment details.
• Documented client interaction data accurately to maintain records.
• Escalated risk review items through designated channels, facilitating thorough analysis and resolution.

• Responsible for guiding loans from pre-approval to closing in compliance with Fannie Mae and Freddie Mac guidelines as well as with lender specific overlays
• Managed pipeline of various loan types, including conventional, VA, and Jumbo loans, ensuring timely processing and compliance.
• Gathered and verified client documentation including income, employment history, and credit reports to support loan processing.
• Communicated effectively with loan officers, lenders, title companies, and 3rd party vendors to facilitate smooth loan transactions.
• Operate Encompass, MS Office Suite daily, and utilize other programs and resources such as FHA Connection, VA Weblgy, Class Valuation, Equifax, Funding Suite, The Work Number, True Works

• Received applications from loan officers/bankers, reviewed submissions, and conducted introduction calls to clarify required documentation and processes.
• Contacted clients regularly every 2-3 days to provide process updates and collect necessary information or documentation, ensuring timely progression.
• Review income documents to ensure we received what was needed to submit to final underwriting review
• Facilitated timely title work and appraisal processes, ensuring all necessary insurance updates and renewals were requested.
• Kept our banker/loan officer informed of the process
• Reviewed final approvals and conducted final calls with clients to confirm understanding and readiness for next steps.
• Schedule Signing with clients and coordinate/order them with our branches or mobile notary

• Completed research and communicated findings to client, clarifying decisions and implementing changes.
• Researched emails and listened to calls to gain insights into situations.
• Addressed customer concerns, opened cases, and conducted investigations to resolve issues.
• Engaged with internal employees to address concerns and offer explanations.

• Facilitated communication between borrowers and underwriting staff, serving as primary contact throughout application process from conditional approval to closing coordination and scheduling.
• Collaborated with underwriters, internal teams, and external vendors to ensure successful closings for refinance and purchase transactions.
• Reviewed loan documents for accuracy and compliance with regulatory standards.
• Prepared loan files for processing and ensured timely submissions.
• Coordinated with clients to gather required documentation for loan applications.