Agnes Santos
Riverside,CA
Summary
Assertive, results-driven professional equipped with over 20 years of progressively responsible mortgage origination, and business development and brand/product vmanagement experience driving profitable revenue and market share growth for leading US financial services and Philippine banks. Develops and manages effective and sustainable relationships with key business partners in the mortgage industry. Thrives in a fast-paced, volume- driven and team-focused work environment. Performs personalized home mortgage consultancy services to retail customers. Effectively identifies product/loan program development needs, conducts ongoing competitive benchmarking on program policies and guidelines based on changes/trends in market conditions and designs appropriate strategies in support of corporate objectives. Works well with senior management, internal units, and third-party service providers to address and resolve issues in a timely manner. Offers proven talents in business process improvement, coordinating change, providing service in high-volume environments, and meeting profitability targets. Recognized as a strong team builder and role model adept at cultivating relationships with diverse target markets. Exhibits excellent writing and presentation skills.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Loan Officer
Loan Factory
Westminster, CA
12.2023 - Current
- Performed loan consultancy based on borrowers' financial profile and goals and advised on the most appropriate loan program that would help them achieve those refinancing (cash out or rate & term( or homebuying goals (whether for primary residence, second home or investment)
- Built and managed relationships with business referral sources such as real estate agents and brokers, other real estate-based organizations, such as the AREAA to ensure continued referall business
- Acquired and implemented customer relationship management (CRM) systems and partnered with other web development and online search engine optimization service providers as well as customer review engine tie-ups
- Started mentor responsibilities and accepted my first mentee whom I am committed to help succeed and be a more effective Loan Officer
Loan Officer
2020Finance of America
Diamond Bar, CA
07.2023 - 12.2023
- Performed loan consultancy based on borrowers' financial profile and goals and advised on the most appropriate loan program that would help them achieve those refinancing (cash out or rate & term( or homebuying goals (whether for primary residence, second home or investment)
- Built and managed relationships with business referral sources, such as real estate agents and brokers, and other real estate-based organizations, such as the AREAA, to ensure continued referral business.
- Acquired and implemented customer relationship management (CRM) systems and partnered with other web development and online search engine optimization service providers as well as customer review engine tie-ups
Loan Offier
NEXA Mortgage
Upland, CA
01.2023 - 07.2023
- Performed loan consultancy based on borrowers' financial profile and goals and advised on the most appropriate loan program that would help them achieve those refinancing (cash out or rate & term( or homebuying goals (whether for primary residence, second home or investment)
- Built and managed relationships with business referral sources such as real estate agents and brokers, other real estate-based organizations, such as the AREAA to ensure continued referall business
- Acquired and implemented customer relationship management (CRM) systems and partnered with other web development and online search engine optimization service providers as well as customer review engine tie-ups
Loan Officer
01NE Mortgage
Rancho Cucamonga
01.2021 - 08.2022
- Performed loan consultancy based on borrowers' financial profile and goals and advised on the most appropriate loan program that would help them achieve those refinancing (cash out or rate & term( or homebuying goals (whether for primary residence, second home or investment)
- Built and managed relationships with business referral sources such as real estate agents and brokers, other real estate-based organizations, such as the AREAA to ensure continued referall business
- Acquired and implemented customer relationship management (CRM) systems, and partnered with other web development and online search engine optimization service providers, as well as customer review engine tie-ups.
CredentialsPresident
Asian Real Estate Association of America, Inland Empire Chapter
01.2021 - 12.2021
- Organized and facilitated board meetings, strategic planning sessions, and annual membership meetings.
- Established sponsorship solicitation and membership building strategies to increase awareness of the organization's goals, vision, and mission.
- Collaborated with the board members to ensure operational efficiency of the organization.
- Reviewed reports submitted by each Board Chair (i.e. Marketing, Membership, Events, etc) to assess the progress of each Chair member and track against deliverables
- Initiated projects and events for members such as educational seminars, networking events, Board Installation gala and other key projects aimed at improving membership base and organization's awarness.
Loan Officer
EZ Fundings Inc
Rancho Cucamonga, CA
04.2020 - 01.2021
- Performed loan consultancy based on borrowers' financial profile and goals and advised on the most appropriate loan program that would help them achieve those refinancing (cash out or rate & term( or homebuying goals (whether for primary residence, second home or investment)
- Built and managed relationships with business referral sources such as real estate agents and brokers, other real estate-based organizations, such as the AREAA to ensure continued referall business
- Acquired and implemented customer relationship management (CRM) systems, and partnered with other web development and online search engine optimization service providers, as well as customer review engine tie-ups.
Senior Loan Officer
Excelerate Capital
Newport Beach, CA
10.2019 - 04.2020
- Performed loan consultancy based on borrowers' financial profile and goals and advised on the most appropriate loan program that would help them achieve those refinancing (cash out or rate & term( or homebuying goals (whether for primary residence, second home or investment)
- Built and managed relationships with business referral sources such as real estate agents and brokers, other real estate-based organizations, such as the AREAA to ensure continued referall business
- Acquired and implemented customer relationship management (CRM) systems and partnered with other web development and online search engine optimization service providers as well as customer review engine tie-ups
Education
Some units in Master of Arts in Teaching -
University of Southern California
11.2012
Master of Science in Business Administration - Marketing
Argosy University
Bachelor of Science in Commerce - Economics
University of Santo Tomas
Skills
- Team Management
- Interpersonal and Written Communication
- Strategic Business Development and Marketing Development Initiatives
- Conflict Resolution
- Leadership
- Business and marketing planning
Certification
NMLS License # 220953 (CA) and 55443 (Nevada)
Interests
NMLS License # 220953 (CA) and UST Licensee (Multiple States that have Adopted the UST)
Accomplishments
- 2021 President, Asian Real Estate Association of America, Inland Empire Chapter
- Current First Vice President, Dreams Come True Foundation (DCTF) - FAREP (Filipino American Real Estate Professionals)
- Magna Cum Laude, Masters Degree - Master of Arts in Business Administration (graduated in 2006)
- Cum Laude, Undergraduate - Bachelor of Science in Commerce (Major in Economics) - graduated from University of Santo Tomas, Manila, Philippines in 1980
Affiliations
President, Asian Real Estate Association of America, Inland Empire Chapter (Jan. 2021 - Present)
Core Strengths
Mortgage Origination and Sales and Branch Management Product and Brand Management
Timeline
Loan Officer
Loan Factory
12.2023 - Current
Loan Officer
2020Finance of America
07.2023 - 12.2023
Loan Offier
NEXA Mortgage
01.2023 - 07.2023
Loan Officer
01NE Mortgage
01.2021 - 08.2022
CredentialsPresident
Asian Real Estate Association of America, Inland Empire Chapter
01.2021 - 12.2021
Loan Officer
EZ Fundings Inc
04.2020 - 01.2021
Senior Loan Officer
Excelerate Capital
10.2019 - 04.2020
NMLS License # 220953 (CA) and 55443 (Nevada)
Some units in Master of Arts in Teaching -
University of Southern California
Master of Science in Business Administration - Marketing
Argosy University
Bachelor of Science in Commerce - Economics
University of Santo Tomas
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