With over 30 years in banking primarily in the Mortgage Lending Field,and the last 15 years as a Manager I have the knowledge to assist your organization with setting up policies and procedures so that your organization is compliant with state and federal regulations. Assist in establishing programs to motivate employees, I'm able to communicate with various types of personalities and put people at ease when visiting with them.
The past 5 years in addition to Managing a Real Estate Department I was also underwriting Mortgage loan files which includes reviewing tax returns, title insurance binders, analyzing financial statements, reviewing real estate appraisals, reviewing credit reports.
I have supervised 6 employees and completed performance reviews, along with setting goals and training to assist the employee, approved time off.
Customer service-focused whether they are internal or external customers
Excellent communication skills
Fluent in Spanish
Integrated the use of the FICS system to service Mortgage Loans for the Members of the credit union which includes escrowing for real estate taxes and Homeowners insurance this system is also used as the Loan Origination System.
Assisted in the implementation of the web site for the Loan Officers so that potential borrowers can apply for a loan from home.
Was instrumental with getting the credit union approved to sell mortgage loans to Freddie Mac
Was instrumental with setting up the credit union to sell loans to investors as a Correspondent Lender
Supervised 6 employees, which included 2 Mortgage Loan Officers, 2 Processors, 1 Real Estate Administrator & 1 part-time employee, since I was familiar with each of these positions, I could understand when employees expressed frustration with their positions and was able to offer suggestions for improvement.
Communicated with customers, employees and other individuals to answer questions and explain information.
Adhered to all federal and state compliance regulations that were relative to mortgage lending.
Monitored Loan Processing Department to verify they were assisting borrowers to get their loans approved and closed in a timely manner.
Met with Loan Officers on a daily basis to verify they were able to provide customer service in a timely manner,When necessary I assisted the Loan Officers by meeting with potential borrowers as well, thus ensuring that potential borrowers were being assisted quickly.
Underwrote/Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan this was done for loans being held in the credit unions portfolio.
Determined appropriate rate locks & educated customers on the variety of loan products and available credit options.
Coached employees on each of their positions and assisted in locating training opportunities for them.
Held staff meeting every other week. This allowed the department to meet and discuss loans in process, what was happening in each of the areas they worked in and to just "vent" as needed without being judged.
Met with Sr. Management on a weekly basis to discuss goals ands trends within the industry, loan products, training branch personnel so that they could assist the Mortgage Department.
Audited GL's on a weekly basis to verify accounts being managed correctly.
Supervised 2 employees, 1 Mortgage Loan Officer and 1 Processor/closer.
Interviewed an average of 60 mortgage loan applicants per month.
Adhered to all federal and state compliance guidelines relative to mortgage lending.
Mortgage closing Goals were set at 1 Million Dollars per month for the manager and the loan officer.
Member of Loan Committee.
Marketed the Bank to Realtors for their referral of clients to the bank for their mortgage loan needs and for their banking needs.
Member and Treasurer of Santa Fe Civitan Club
Board Member Woodmen of the World
Past Board Member Habitat for Humanity
Past Board Member Santa Fe Area Homebuilders Association
Past member Santa Fe Fiesta Council
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