Summary
Overview
Work History
Education
Skills
Certification
Languages
Websites
Work Preference
Quote
Software
Interests
Affiliations
Work Availability
Accomplishments
Timeline
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Adriana S. Erni

Adriana S. Erni

San Diego,CA

Summary

Dependable Loan Officer with 20 years of hands-on experience evaluating and authorizing various loans. Dependable professional polished in assembling loan packages, initiating loan applications and analyzing loan programs to match borrower's profile. Communicative team player with in-depth knowledge of banking products and associated services.

Overview

34
34
years of professional experience
1
1
Certification

Work History

Mortgage Loan Officer - Licensed Broker

Diamond Realty
San Diego, CA
01.2000 - Current
  • Led the timely origination, processing, and closing of real estate loans
  • Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
  • Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
  • Informed customers of application deadlines, approvals and denials.
  • Stayed abreast of lending regulations, industry trends and market rates.
  • Collaborated with company teams to expedite loan approval processes.
  • Drove operational excellence by analyzing property listings, interviewing prospective clients, accompanying clients to property site, discussing conditions of sale, and drawing up real estate contracts
  • Generated detailed documents, such as representation contracts, purchase agreements, closing statements, deeds and leases
  • Performed as an intermediary person in negotiations between buyers and sellers
  • Appraised property values to assess income potential.
  • Managed and rented out rental properties.
  • Conducted comprehensive analysis of property listings, trade journals, and relevant literature to assess latest trends of real estate markets

Agent - Customer Service - Gate Operations

Delta Air Lines, Inc
San Diego, CA
02.2010 - 08.2020
  • Delivered exceptional service to every customer through active engagement, effective listening and well-developed interpersonal skills.
  • Facilitated passengers by overseeing check-ins, ticketing changes, re-booking of itineraries, and special service requests
  • Addressed safety concerns with passengers or crew members, reporting potential hazards to supervisors, and assisting with emergency responses as needed
  • Observed passengers for intoxication or possible threat to safety.
  • Operated jet ways to place them in position prior to aircraft arrival also placing the jet bridge on the aircraft.
  • Dealt with mechanical and passenger emergencies according to standards.
  • Maintained efficiency and accuracy of gate, flight arrival, and departure information
  • Performed the lifting, opening, closing, and securing of aircraft doors.
  • Ensured smooth flow of communication with customers in a prompt, friendly, and courteous manner
  • Gained understanding of regulatory requirements and laws related to unaccompanied minors, law enforcement officers, hazmat, and airfreight acceptance
  • De-escalated problematic customer concerns, maintaining calm, friendly demeanor.
  • Utilized active listening and communication skills to address customer inquiries and escalate issues to supervisor.

Mortgage Loan Officer

USE Credit Union
San Diego, CA
01.1999 - 07.2000

  • Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
  • Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
  • Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
  • Created, completed and submitted loan packages to the underwriting department to facilitate approval or denial processes.
  • Completed the closing process by collaborating with Escrow, Appraisal and Title companies.

Branch Operations Supervisor - Personal Banker

Washington Mutual Bank (former Great Western Bank)
San Diego, CA
02.1989 - 01.1999
  • Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
  • Supervised a team of tellers and new accounts representatives in a banking operations group.
  • Planned work schedules to maintain adequate staffing levels.
  • Assigned duties to employees and examined work for accuracy, neatness and timeliness.
  • Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
  • Verified cash by balancing cash drawers and maintaining cash count records.
  • Performed daily cash audits of Automated Transaction Machines ATM's and completed branch reports.

Education

Licensed Broker - Mortgage Loan Officer

California Department of Real Estate
San Diego, CA

Business Management

San Diego Mesa College
San Diego, CA

Hotel, Motel, And Restaurant Management

University of Wisconsin Stout Menomonie
Menomonie WI

Skills

  • Customer service
  • Verbal and Written Communication
  • Honest and Ethical
  • Negotiation Tactics
  • Regulatory Compliance
  • New Account Setup
  • Reporting and Documentation
  • Supervision
  • Team Leadership
  • Detail Oriented
  • Discrepancy Resolution
  • Balance Verification and Reconciliation
  • Product and Service Sales
  • Flexible schedule
  • Fluent in Spanish

Certification

  • Licensed Broker Real Estate - 2005
  • Licensed Mortgage Loan Officer, CA DRE - 2020
  • Notary Public, Commission, California - 2021

Languages

Spanish
Native/ Bilingual

Work Preference

Work Type

Contract WorkPart Time

Work Location

Remote

Important To Me

Work-life balanceCompany CultureCareer advancementFlexible work hoursWork from home option

Quote

Far and away the best prize that life offers is the chance to work hard at work worth doing.
Theodore Roosevelt

Software

Broker Operations back office

Arive Lending LOS

Website creation

Mortgage Lending LOS-POS

CRM - Lofty, WiseAgent

Marketing

Social Media

Interests

Animal Advocate

Kayaking

Outdoors

Nutrition Vegetarian

Travel

Affiliations

  • REALTOR - MLO
  • NAR, CAR, PSAR
  • United States Notary Association
  • NAMB

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Accomplishments

  • Customer Service Expertise: A 30+ year track record of delivering exceptional service in fast-paced environments, resolving complex inquiries, and maintaining high client satisfaction.
  • Financial Industry Knowledge: Proficiency in financial reporting tools and compliance, with a thorough understanding of operational policies and procedures.
  • Technical Skills: Advanced proficiency in MS Excel, MS Word, and customer relationship management systems.
  • Strong Communication and Collaboration: Skilled at building professional relationships and collaborating with team members to meet department objectives.

Timeline

Agent - Customer Service - Gate Operations

Delta Air Lines, Inc
02.2010 - 08.2020

Mortgage Loan Officer - Licensed Broker

Diamond Realty
01.2000 - Current

Mortgage Loan Officer

USE Credit Union
01.1999 - 07.2000

Branch Operations Supervisor - Personal Banker

Washington Mutual Bank (former Great Western Bank)
02.1989 - 01.1999

Licensed Broker - Mortgage Loan Officer

California Department of Real Estate

Business Management

San Diego Mesa College

Hotel, Motel, And Restaurant Management

University of Wisconsin Stout Menomonie
  • Licensed Broker Real Estate - 2005
  • Licensed Mortgage Loan Officer, CA DRE - 2020
  • Notary Public, Commission, California - 2021
Adriana S. Erni