About

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LinkedIn: https://www.linkedin.com/in/margarita-torres-68832415/

MARGARITA TORRES
Lake Mary, FL 32746
LinkedIn: https://www.linkedin.com/in/margarita-torres-68832415/

Talented and dedicated Master’s in Education professional with over 3 years of experience in teaching and Business Supervision. Instructional Design and TEFL Certification. Inspirational presentations, organizational skills, with the ability to perform multiple tasks. Searching for a career opportunity within a progressive organization that focuses on professional development and constantly expanding knowledge to provide greater value to clients and shareholders. Driven to learn, meet challenges and exceed client and employer expectations while demonstrating the highest level of professionalism.

• Teaching Strategies

• Training & Coaching Employees
• Detail Oriented
• Engaging Presentations

• Relationship Builder
• Sophisticated writing skills

• Team player
• Excellent organization

• Creative problem solver

• Interpersonal Skills
• Results Driven Leadership

• Onboarding Orientations

• Microsoft Office Suite

PROFESSIONAL SKILLS
Commercial & Residential Mortgage Loan Underwriter & Auditor
• Analyze tax returns, financial statements, business operations to determine debt service ability
• Prepare commercial credit requests to prospective lenders with $5-10 MM range
• Analyze Borrower credit worthiness and prepare Credit Approvals with conditions
• Review appraisals
• Analyze Title reports and clear exceptions
• Analyze assets sufficiency
• Supervision and training of support staff
• Provide stellar customer service to internal and external clients

Sales Associate & Supervisor
• Increase sales of home improvement services by utilizing knowledge and experience to build customer relationships
• Provide superior customer service to ensure satisfaction and maintain the excellent reputation of products and services
• Drive superior excellence by Managing and Training teams

Substitute Teacher
• Introduce and maintain lesson plans that provided a learning environment in the classroom
• Apply various teaching strategies in the classroom with various skill levels
• Provide classroom structure, positive reinforcement and support to assist academic and social success
• Provided and Evaluated Assessment tools
• Establish trusting relationships with students, parents, teachers and administrators in multiple schools

Trust Asset Manager & Real Estate Tax Manager
• Review Trust, Partnership, and Oil and Gas Agreements
• Ensure compliance of Trust, Partnership, and Oil and Gas Agreements
• Increase trust revenue by managing partnerships and Oil and Gas Assets in Trusts
• Act as a Liaison to build partnerships between the Bank internally and Third-Party Agents
• Maintain asset integrity by managing real estate taxes for a national Trust portfolio
• Ensure Compliance with federal and state banking regulations and reporting requirements
• Increase productivity by training and directing team members on accounting policies and procedures

Attorney
• Achieving positive results in representing clients by applying the law to the facts
• Strengthening cases by researching case law and drafting strong pleadings
• Furthering case resolution by appearing in court to make the case to the judge
• Advance resolutions by negotiating with the opposing counsel
• Research, writing, and oral presentations
• Training and supervising administrative assistants

EMPLOYMENT HISTORY
Commercial Loan Underwriter | 07/2018 – 02/2019 MMC Bankers | Orlando, FL
Mortgage Audit & Loan Underwriter | 10/2012 – 01/2018 Digital Risk | Maitland, FL
Mortgage Audit Underwriter | 10/2014 – 11/2014 Recovco | Maitland, FL
Home Improvement Sales Associate | 03/2011 – 10/2012 Sears | Lake Mary, FL
Substitute Teacher | 01/2008 – 01/2011 Seminole/Volusia County | Sanford, FL
Trust Asset Mgr. & Trust Real Estate Tax Mgr. & Mtg. Underwriter | 06/1998 – 12/2008 BMOHarris, N.A | Chicago, IL
Prior Positions
Mortgage & Home Equity Underwriter
Glenview State Bank | Glenview, IL

Attorney Law Offices Josette Belvedere | Chicago, IL
EDUCATION
Juris Doctorate Degree John Marshall Law School | Chicago, IL
Master’s in Education Degree Northeastern Illinois University | Chicago, IL
Bachelor of Arts Degree University of Illinois Chicago| Chicago, IL
Instructional Design Certificate in Progress Seminole State College| Sanford, FL

LICENSES
Notary Public
NMLS National License up for renewal

Expertizes

What I Do

• Teaching Strategies
• Training & Coaching Employees
• Engaging Presentations
• Multi-tasker
• Excellent organization
• Results Driven Leadership

What IDo

• Conflict resolution
• Demonstrates commitment
• Excel under pressure
• Team player
• Interpersonal Skills
• Microsoft Office Suite

What I Do

• Great time management
• Detail Oriented
• Relationship Building
• Sophisticated writing skills
• Creative problem solver
• Onboarding Orientations

Experiences

Job Title at Company

2005 – 2008

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Job Title at Company

2012 – 2015

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Job Title at Company

2008 – 2012

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Job Title at Company

2015 – Present

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Let’s make something together.