Annette De Los Santos
San Antonio,Texas
Summary
Seasoned Mortgage Loan Officer with comprehensive understanding of loan origination, processing and closing procedures. Skilled in building strong relationships with clients to understand needs and provide appropriate financial solutions. Demonstrated track record in achieving lending goals while maintaining strict compliance with regulatory standards. Success noted in improving application approval rates through insightful risk assessment and thorough documentation review. Results-oriented professional knowledgeable about wide range of loan products. Professionally works with different customers to meet individual needs and maximize bank revenue. Analytical problem-solver tenacious in pursuing sales opportunities.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Mortgage Loan Officer
Directions Home Loan, LLC
San Antonio, Texas
09.2011 - Current
- Responsible for the pre-qualification and origination of mortgage loans, educating clients on banking products and services
- Create, maintain, and enter client's information into the database, request documentation to support application
- Analyze applications' financials, credit reports, evaluate the needs of individual clients, assess loan requests, and provide financial advice and recommendations to clients
- Manage and review loan documents, loan agreements to ensure completeness and accuracy, follow through with client through final stage of the loan
- Monitor market trends and changes in lending guidelines to advise clients effectively.
- Monitored customer accounts throughout the life cycle of each loan transaction.
- Maintained current knowledge of secondary market trends, government programs and other available financing sources.
- Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility.
Mortgage Loan Officer / Mortgage Loan Processor
AMCAP Mortgage
San Antonio, Texas
08.2007 - 09.2011
- Pre-qualified and originated mortgage loans while educating clients on banking products and services
- Maintained up-to-date client records in the database, consistently seeking requisite documentation to support applications.
- Provided financial advice and recommendations to clients by evaluating their needs through analysis of applications' financials, credit reports, and assessment of loan requests.
- Provided guidance to clients throughout the loan application process, ensuring the proper completion and accuracy of required documentation.
- Worked collaboratively with underwriters, closing agents, and other stakeholders to facilitate smooth loan transactions.
Education
Hanau American High School
Hanau, Germany05.1989
Skills
- Comfortable working in Microsoft Windows 10
- Excellent customer service skills
- Ability to build and maintain client relationships
- Proficient in analyzing financial documents
- Assessing borrower risk
- Effective sales strategies and marketing techniques
- Excellent verbal and written communication skills
- Negotiation Tactics
- Regulatory Compliance
- Goal-Oriented
- Credit evaluation
Certification
Texas NMLS License, Nationwide Licensing System
Timeline
Mortgage Loan Officer
Directions Home Loan, LLC
09.2011 - Current
Mortgage Loan Officer / Mortgage Loan Processor
AMCAP Mortgage
08.2007 - 09.2011
Hanau American High School
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