Carlos Ramirez

Experience

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  Capital One

  Oct 2005 - Nov 2006

  Account Manager

  •Established customer loyalty by providing excellent customer service•Handled customer concerns, requests and complains •Resolved issues regarding credit card accounts•Provided solutions to pricing and billing inquiries

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  Mortgage Outreach Services

  Jul 2007 - Oct 2008

  Mortgage Consultant

  •Assisted customers resolving issues regarding delinquent accounts•Determined best available workout solution to maximize asset value•Oversaw and managed a bilingual team of six mortgage consultants•Assisted customers with re-payment plans and loan modifications•Advised customers of necessary actions and strategies for debt re-payment

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  Bank of America

  Feb 2012 - Dec 2012

  Premium Home Services Specialist II

  A Home Service Specialist (HSS) II is responsible for processing of loans approved by an Underwriter or an automated decision system within designated signing authority limits. Other responsibilities are: clearing conditions and issuing changes to the terms on previously approved loans. The Home Service Specialist II is also responsible for but not limited to verifying conditions of approval which may include customer income/assets documentation, resolve routine title issues including, but not limited to the following: vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens reconveyances; may processes subordinations; resolves appraisal disputes; depending on channel, may coordinate closing activities. Show less

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  SunTrust Mortgage

  Jan 2013 - Jun 2013

  Purchase Loan Review Analyst

  A Purchase Loan Review Analyst is responsible for reviewing post closed mortgage loan documentation for compliance and accuracy, and reviewing loan files to insure compliance with all state and federal lending regulations. Good understanding of company policies and procedures. Ability to compare closed loan parameters to investor and portfolio product guidelines. Also, ability to recognize non-compliance issues and effectively communicate these to the appropriate parties.

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  SunTrust

  Jun 2013 - Sept 2022

  Mortgage Specialist

  Responsible for writing, editing and communicating purchase review procedures in the correspondent channel. Also, responsible for staff training, policy implementation and procedure development. Development of process improvement strategies and problem solving as well as recommendations to upper management. Implementation of key pipeline management measures such as: production reports. Development of time studies in regards to production efficiency and system support in the correspondent channel: MLCS and STMPartners. Show less

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  Infosys

  Jun 2016 - Sept 2022

  IT Business Analyst
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  Truist

  Aug 2018 - Sept 2022

  Software Engineer II
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  Black Knight

  Jun 2022 - Sept 2023

  Technology Business Consultant
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  Dark Matter Technologies

  Sept 2023 - now

  Technology Business Consultant III