ANA ESTEVEZ
MLO/Life and Annuities Licensed Professional
North Miami Beach,FL
Summary
Driven dynamic professional and team player. Leadership background, team goal achievements and loyal relationship cultivator. Excellent interpersonal skills and contagiously energetic, assertive pleasant negotiator. Results-oriented Sales professional with a track record of providing custom solutions and keeping with company ARR, GRR and Churn to maintain Strong Sales quotas,with a focus in client retention and referrals. Meticulous attention to detail and service quality . Eager to be part of a great company and it's culture.
Overview
11
11
years of professional experience
Work History
Licensed Life Insurance Agent
Self Employed
12.2023 - Current
- Provide coverage option information to assist clients in protecting assets.
- Attend continuing education courses and workshops to gain additional insurance industry knowledge.
- Maintained high standards of customer service by building relationships with clients.
- Retained up-to-date industry knowledge for accurate, well-informed customer interactions.
- Educate clients on insurance policies and procedures
Loan Officer
Norcom Mortgage
04.2023 - 2023
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Proactively identified solutions for customers experiencing credit issues.
- Assessed loan portfolios for compliance with underwriting policies.
- Assisted customers with completing loan applications and other paperwork.
Loan Processor II
Lennar Corporation
10.2022 - 04.2023
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Set up and completed loan submission packages.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Handled any conditions sent from underwriting departments.
- Communicated with Underwriters on conditions
- Provided quick turnaround times to maintain fast-past schedule.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
Mortgage Loan Officer Associate
Lennar Corporation
07.2021 - 10.2022
- Educated clients on loan products in order to tailor to needs
- Reviewed loan files and updated to match current standards
- Pulled, reviewed and updated credit in file.
- Conducted borrower interview in order to collect file information and for loan origination.
- Periodic file revision with client in order to keep information current.
- Updated closing dates and verified income calculations
- Pre-Qualified borrowers after application and notified borrower
- Verified the accuracy of the information on Loan application.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Monitored pipelines to track and log status of loans.
Junior Loan Processor
First Option Mortgage
01.2020 - 06.2021
- Reviewed and approved various types of loans
- Prepared documents for underwriting by verifying client income, credit reports and other information
- Maintained compliance with privacy and security requirements, as well as federal statutes covering FHA,
- Conventional and VA loans
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes
- Provided conditions for clearing with underwriter
- Provided quick turnaround times to maintain fast-paced schedule
- Reviewed financial statements and contacted institutions and customers to clarify details
- Upheld complete confidentiality of all submitted information according to release guidelines
- Worked with customers via telephone to answer questions, process transactions and resolve issues
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants
- Set up and completed loan submission packages
- Coordinated closing process with attorneys, title companies and government clerks.
Lead Retail Sales Consultant
Sprint
07.2014 - 07.2016
- Coached sales associates in product specifications, sales incentives and selling techniques, significantly increasing customer ratings
- Kept orderly and accurate accounting records by monitoring sales documentation
- Facilitated high volumes of cash, credit and gift card transactions, verifying cash drawer balance at end of each shift
- Oversaw employee performance, corrected problems and increased efficiency to maintain productivity targets
- Multiplied earnings through sales goal achievement, customer service improvements and commitment to team objectives
- Coached employees and trained on methods for handling various aspects of sales, complicated issues and difficult customers.
Sales Manager
Pico Turbine
02.2013 - 05.2014
- Monitored customer buying trends, market conditions and competitor actions to adjust strategies and achieve sales goals
- Managed order cycle to enhance business development and maintain sustainability and customer satisfaction
- Maintained relationships with customers and found new ones by identifying needs and offering appropriate services
- Developed and implemented comprehensive salesperson training program
- Created and launched new online marketing strategies, resulting in 25% sales increase
- Increased sales volume by expanding product line to new retailers, including Hobby shops and educational STEM programs
- Organized promotional events and interacted with community to increase sales volume.
Skills
- Fluent in Spanish spoken and written
- Knowledge of financial document review
- Financial document review
- Salesforce
- Sales CRM
- Organization and Time management
- Client retention
- Credit Analysis
- Income Calculations
- Microsoft Office
- Product Demonstration
- Consultative Sales Approach
Licenses
Licenses:
MLO License in Florida and Georgia
Life insurance and Annuities license in Florida
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
Almost everything worthwhile carries with it some sort of risk, whether it’s starting a new business, whether it’s leaving home, whether it’s getting married, or whether it’s flying into space.
Chris Hadfield
Timeline
Licensed Life Insurance Agent
Self Employed
12.2023 - Current
Loan Officer
Norcom Mortgage
04.2023 - 2023
Loan Processor II
Lennar Corporation
10.2022 - 04.2023
Mortgage Loan Officer Associate
Lennar Corporation
07.2021 - 10.2022
Junior Loan Processor
First Option Mortgage
01.2020 - 06.2021
Lead Retail Sales Consultant
Sprint
07.2014 - 07.2016
Sales Manager
Pico Turbine
02.2013 - 05.2014