Reliable and professional financial advisor with more than five years of customer service experience in a results oriented industry. Excellently assists clients at filling out there application and the proper paper work needed to complete the transaction. Strong at advising clients and others on eligibility requirements required within the process. Effective at analyzing and communicating, with qualifying and decision making abilities. Passionate about maintaining high standards of integrity, quality and confidentiality.
Computer proficient Time Management
Detailed and organized, Flexible Team Player
Strong MS Office Suite: Word, Excel, Outlook Analytical and math abilities
Problem solver, independent worker and creative Private investor Mortgage Regulations i.e. BSA
Budget Analysis for borrower Multitask, Creative
Effectively Communicate oral and Written Self-Motivated
Top financial processor and most improved for the month
Drove $15 million increase over six consecutive months by utilizing the company employee bonus structure boosting the team goals
Exceeded Bank Goals monthly by cross-selling and prospecting products and services within the referral program
Presenter to the sales division on new product guidelines and updates at monthly lunch
VOLUNTEER, 01/2009 to CurrentLemonaide Magazine, Inc － Mission Viejo, CAActive member of the team with my mortgage background, marketed real estate agents for add space. Helped to organize a local business owner's event and gave more visibility for the magazine which fostered sources for monthly articles. As the layout art director, Adobe Illustrator and InDesign CS4 are used to build the magazine and its foundation. It is an upcoming unique e-mail magazine.
Junior Account Manager a subset of Processing, 01/2014 to 01/2014LoanDepot.com, LLC － Foothill Ranch, CAResponsibilities included ordering of preliminary title policies and escrow services along with customer's individual IRS transcript (4506). Worked closely with Loan Agent and managers, requested the loan packages from customers and completed. Following the Automated Underwriting System (AUS) guidelines, loaded loans in a paperless format into their respective opened files for ease of underwriting the file. This assisted them to rightfully qualify the customer's income and verifying assets required by the guidelines of each program. Prioritized loans for quick mortgage processing. Assigned the processor and their team to the file.
Loan Officer, 01/2012 to 01/2013Evolve Bank and Trust － Foothill Ranch, CAEssential function was receiving inbound calls from inside and outside California and guide customer into analyze debt and current financial condition and make the proper financial decision. Provide proper information about loan options and other financing. Conducted a needs interview analysis and assisted customer in filling out the application properly. Preformed a review of customer's financial package and corrected the computer file to match customers signed documents. Adhered to regulatory compliance and regulations and identified and resolved issues or problems that might pop up before underwriting. Tracked the loans progress from origination to its close. Calculated the total monthly mortgage payment. Trained and assisted other Loan Agents as needed. Opened strong lines of communication and timeframes. Complete regulatory and compliance training. Act as a Liaison between borrower, processing and disbursement departments.
Closing Coordinator / Mortgage Processing, 01/2011 to 01/2011Greenlight Financial Services － Irvine, CAAs a Self-Motivated mortgage loan processor, opened the loans within 24 to 36 hours as required by company standards. Processed the loans in Encompass adhering to underwriter and investor guidelines for sale in the secondary market. Preform preliminary evaluation on appraisal and credit report. Requested Desktop Underwriter (DU) to obtain FNMA approval and meet the loan origination policies and guidelines. Corresponded with the customer, issued Commitment letters, 10 day letters, TILs and would re-disclose. Ordered and issues loan closing documents. Kept in constant communication with the Loan Agent and the customers by keeping them abreast of the progress of the loan. Professional manner was always maintained.
Loan Officer, 01/2009 to 01/2009GMAC Rescap / Ditech － Costa Mesa, CAReceived inbound calls from California and other states and qualified and locked loans bringing potential profits to the company. Utilizing my strong oral and written skills to fully communicate the guidelines and loan structure. Followed and tracked the files through origination and funding of the loan insuring that the progress kept the files moving. Received all the necessary customer documentation to get the loan through processing and was accessible to customers and business personnel at all times.
National Sales Rep, 01/2008 to 01/2009Universal Card, Inc － Irvine, CAContacted and opened state specific accounts and accomplished production goals set forth by the company.
Loan Processor, 01/1999 to 01/2008IndyMac Bank F.S.B － Pasadena, CAAs processor completed full loan application prior to submitting to underwriting review and cleared any prior to doc and post funding conditions. Received from customer updated documentation pursuant to closing. Through written communication, requested additional documentation to complete transaction. Ordered all documentation from third party vendors setting the loan up for final underwriting review.
Loan Officer, 01/1999 to 01/2008IndyMac Bank F.S.B － Pasadena, CA
Progressive position of responsibility for an elite loan origination group that specialized in bank loans for high profile clients and the banks employees.
Receiving inbound phone calls and employee referrals established solid loan files by reviewing and adhering to the FNMA /FHLMC guidelines. Once the customer was committed, lead the loan procedure from origination to signoff. Funded volume averaged $15 million on a six month time. Increased company profits by maximizing the referral incentives for customers and employees.
Bachelor of ArtsUniversity of California － Riverside, California, USUniversity of California, Riverside - Bachelor of Arts
Sales and Layout (Volunteer)
Loans, Underwriting, Closing, Processor, Mortgage, Fnma, Loan Origination, Loan Processor, Documentation, Clients, Million, Its, Sales, Adobe Illustrator, Illustration, Illustrator, Indesign, Real Estate, Sales And, Progress, File, Mortgage Processing, Disbursement, Liaison, Point Of Purchase, Pop, Regulatory Compliance, Training, Account Manager, Automated Underwriting, Escrow, Ordering, Appraisal, Credit, Desktop Underwriter, For Sale, Loan Closing, Mortgage Loan, Sale In, Accounts And, National Sales, Sales Rep, Boosting, Bsa, Budget, Budget Analysis, Business Systems Analysis, Customer Service, Excel, Increase, Ms Office, Outlook, Problem Solver, Prospecting, Receptionist, Retail Sales, Selling And, Team Player, The Sales, Time Management, Word