Aubray Breaux
Pasadena,CA
Summary
Dynamic Loan Officer with 16 years of extensive experience in evaluating and authorizing diverse loan products. Recognized for a dependable approach in assembling comprehensive loan packages, initiating applications, and analyzing programs to align with borrower profiles. Collaborative team player with a deep understanding of banking products and services, committed to delivering exceptional client experiences through clear communication and expert guidance. Results-driven and sales-oriented, adept at navigating complex negotiations while effectively addressing individual customer needs to optimize bank revenue.
Overview
13
13
years of professional experience
Work History
Mortgage Broker
E Mortgage Capital
Irvine, CA
03.2026 - Current
- Evaluated borrower financial profiles to determine loan eligibility and risk assessment.
- Analyzed credit reports, income statements, and debt-to-income ratios for underwriting decisions.
- Developed customized loan solutions based on clients' financial needs and goals.
- Coordinated with real estate agents, appraisers, and title companies to facilitate loan closings.
Account Executive
Nationstar Mortgage DBA Mr. Cooper
Lake Forest, CA
09.2023 - 10.2025
- Developed and maintained client relationships to drive account growth.
- Analyzed customer needs to tailor mortgage solutions effectively.
- Coordinated loan processes, ensuring compliance with industry regulations.
- Collaborated with underwriting teams to expedite loan approvals.
Sr. Loan Officer
PennyMac Financial Services
Pasadena, CA
10.2012 - 09.2023
- Reviewed loan applications and credit histories to determine the degree of risk involved in extending credit.
- Analyzed financial information provided by clients to determine repayment ability and appropriate loan amount.
- Resolved concerns and answered questions for parties involved with each transaction to promote successful outcomes.
- Monitored performance of current portfolio of specialty loans to determine if changes should be implemented.
- Prepared detailed reports for management on current loan portfolio performance trends.
- Collaborated with internal teams such as underwriting, legal, operations and marketing in order to ensure timely completion of loan transactions according to established standards and procedures.
- Performed daily maintenance of loan applicant database.
- Explained various types of loans available to customers and their associated terms and conditions.
- Monitored changes in relevant federal regulations related to lending practices.
- Improved loan applications and documentation by informing applicant of additional requirements.
- Approved loan within specified limits or referred to appropriate approval level.
Education
High School Diploma -
Pasadena City College
Pasadena, CASkills
- Strong negotiation skills
- Customer service and support
- Superior customer service
- Collaborative teamwork
Accomplishments
- Promoted to Sr loan officer in 08/2020 and then promoted to Sales Manager two shorts months later in 10/2020.
Education and Training
other
Timeline
Mortgage Broker
E Mortgage Capital
03.2026 - Current
Account Executive
Nationstar Mortgage DBA Mr. Cooper
09.2023 - 10.2025
Sr. Loan Officer
PennyMac Financial Services
10.2012 - 09.2023
High School Diploma -
Pasadena City College