Leishla Ramos
Aguas Buenas
Summary
Dedicated and detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy and meets deadlines. Ready to help team achieve company goals. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem solving skills.
Overview
22
22
years of professional experience
Work History
Business Analyst
Oriental Bank
05.2017 - Current
- Improved business processes by analyzing current practices and recommending optimization strategies.
- Reduced operational costs through thorough data analysis and implementing cost-effective solutions.
- Increased efficiency in resource allocation by conducting detailed business requirements analysis.
- Enabled data-driven decision making with advanced analytics tools, generating valuable insights for the organization.
- Facilitated change management initiatives, ensuring smooth transitions during organizational transformations.
- Optimized workflow processes to enhance overall productivity and achieve operational excellence.
- Supported software development projects by defining clear requirements and effectively communicating them to technical teams.
- Collaborated closely with stakeholders to identify opportunities for process improvements and drive continuous innovation in the organization.
- Ensured compliance with industry regulations by conducting thorough risk assessments and implementing necessary controls.
- Interacted with internal customers to understand business needs and translate into requirements and project scope.
- Generated business intelligence reports to inform strategic decision-making.
- Identified patterns and trends in large data sets and provided actionable insights.
Mortgage Servicing Consultant
QCPR Consulting
04.2016 - 05.2017
- Enhanced customer satisfaction by efficiently addressing and resolving mortgage servicing issues.
- Improved team productivity with comprehensive training programs and performance monitoring.
- Reduced errors in mortgage documentation, implementing thorough quality control measures.
- Reconcile and review payment process of monthly FHA, MGIC, Rural, AFV mortgage insurance bills.
- Reconcile, analyze and process the payment of the semi-annual property tax bill to the CRIM for the mortgage loan portfolio.
- Monthly monitoring of loans with private mortgage insurance, ensuring compliance with automatic terminations as required under the HPA Law.
- Process disbursements to clients of surpluses in escrow accounts for payoff loans.
- Compile, review and provide required documentation for internal and external audits.
Loss Mitigation Specialist
First Bank
08.2013 - 04.2016
- Reduced delinquency rates by implementing effective loss mitigation strategies and closely monitoring portfolio performance.
- Improved client satisfaction levels by providing prompt and efficient assistance in resolving financial challenges.
- Conducted comprehensive loan reviews, identifying opportunities for modifications and alternative repayment plans.
- Collaborated with cross-functional teams to develop and implement new loss mitigation processes, enhancing operational efficiency.
- Ensured compliance with all relevant regulations and guidelines by diligently reviewing loss mitigation documentation and procedures.
- Provided training and guidance to junior staff members on industry best practices, fostering a team-oriented environment focused on continuous improvement.
- Achieved successful loan modifications through diligent analysis of borrower financial information and negotiation with lenders.
- Mitigated potential losses by proactively identifying early warning signs of borrower distress and initiating appropriate interventions.
- Contributed to departmental performance metrics by consistently meeting or exceeding established goals for successful loan modifications, short sales, and other loss mitigation solutions.
- Played a key role in reducing the organization''s overall exposure to financial risk by successfully implementing targeted loss mitigation strategies that minimized potential losses on troubled loans.
- Reached out to borrowers to discuss current status and loan workout options.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Assisted with short sales and deed in lieu processes.
- Monitored pipelines to track and log status of loans.
Mortgage Servicing Specialist
Equity Mortgage
01.2008 - 07.2013
- Enhanced loan servicing processes by implementing efficient workflow systems and streamlining communication channels.
- Improved customer satisfaction levels with timely and accurate resolution of inquiries, addressing concerns pertaining to mortgage payments, escrow accounts, and taxes.
- Assisted in the development and implementation of new training programs for incoming Mortgage Servicing Specialists, fostering a culture of continuous learning and improvement.
- Maintained detailed records of borrower communications within the loan servicing system for easy retrieval during internal or external audits or reviews.
- Leveraged advanced knowledge of mortgage servicing systems and software applications to quickly adapt to changing industry standards and best practices.
- Supported the development of new policies and procedures for loan servicing, incorporating input from key stakeholders and regulatory authorities.
- Facilitated timely issuance of annual tax statements, collaborating with internal teams to ensure accuracy in reporting interest paid by borrowers during the year.
- Proactively identified solutions for customers experiencing credit issues.
- Assessed loan portfolios for compliance with underwriting policies.
- Manage and resolve customer's credit bureau disputes.
Customer Service Representative
Beneficial Mortgage
07.2004 - 12.2007
- Enhanced customer satisfaction by promptly addressing concerns and providing accurate information.
- Resolved customer complaints with empathy, resulting in increased loyalty and repeat business.
- Generate and disclose Mortgage Escrow Analysis Statements
- Excellent communication skills, both verbal and written.
- Organized and detail-oriented with a strong work ethic.
- Proved successful working within tight deadlines and a fast-paced environment.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Identified issues, analyzed information and provided solutions to problems.
- Managed risk exposure by conducting regular audits of collateral files, identifying discrepancies, and resolving issues promptly.
- Ensured compliance with regulatory requirements through diligent monitoring and timely reporting of collateral information.
- Enhanced customer satisfaction by providing prompt and accurate responses to inquiries regarding collateral status and requirements.
Accounting Clerk
Easy Money (Caribbean Financial Services)
08.2002 - 06.2004
- Streamlined accounts payable processes by implementing efficient invoice management and payment tracking systems.
- Enhanced financial reporting accuracy by conducting thorough account reconciliations and resolving discrepancies promptly.
- Facilitated timely month-end closing activities by completing accurate journal entries and account adjustments.
- Maintained organized filing systems for accounting records, ensuring easy access to crucial financial information when needed.
- Assisted in payroll processing tasks such as timesheet validation, overtime calculation, benefits administration, and tax deductions.
- Demonstrated adaptability by learning new software tools and accounting practices, ensuring continued professional development and growth.
- Applied proper codes to invoices, files, and receipts to keep records organized and easily searchable.
- Maintained accurate and complete documentation to facilitate accounting and filing functions.
- Processed payments and documents such as invoices, journal vouchers, employee reimbursements, and statements.
- Used accounting software to prepare weekly and monthly financial reports.
- Recorded deposits, reconciled monthly bank accounts and tracked expenses.
Education
BBA - Computerized Information Systems
Universidad Ana G Mendez
Cupey05.2025
High School Diploma -
Escuela Superior Vocacional
Cidra05.2003
Skills
- Trend Data Analysis
- Business Process Mapping
- Operational Reporting
- Data Mapping
- Teamwork and Collaboration
- Business process improvement
- Microsoft Office and Excel
- SAP (BIC Data Business Intelligence)
- Access App
- Foxtrot App
- FIS Horizon
- Infinity
Languages
English
Limited Working
Spanish
Native or Bilingual
Timeline
Business Analyst
Oriental Bank
05.2017 - Current
Mortgage Servicing Consultant
QCPR Consulting
04.2016 - 05.2017
Loss Mitigation Specialist
First Bank
08.2013 - 04.2016
Mortgage Servicing Specialist
Equity Mortgage
01.2008 - 07.2013
Customer Service Representative
Beneficial Mortgage
07.2004 - 12.2007
Accounting Clerk
Easy Money (Caribbean Financial Services)
08.2002 - 06.2004
BBA - Computerized Information Systems
Universidad Ana G Mendez
High School Diploma -
Escuela Superior Vocacional
Similar Profiles
Ramon Luis Cruz FigueroaRamon Luis Cruz Figueroa
Call Center (Commercial Clients Area) at Oriental BankCall Center (Commercial Clients Area) at Oriental Bank
IVELISSE ROLONIVELISSE ROLON
VIP Commercial Supervisor at Oriental BankVIP Commercial Supervisor at Oriental Bank
Alba RestoAlba Resto
Senior Mortgage Loan Processor at Oriental BankSenior Mortgage Loan Processor at Oriental Bank