Brandy Grajeda
Edinburg,TX
Summary
Well-qualified administrative team member bringing demonstrated knowledge and abilities in Mortgage Lending. Effective at organizing, resolving discrepancies and working with third-party vendors to clear issues and completing closings. Proficient in Mortgage Lending standards and regulations.
Overview
10
10
years of professional experience
Work History
Loan Partner
The Mortgage Firm
San Antonio, TX
11.2021 - Current
- Primary point of contact for the Borrower, keeping them informed, and updated throughout the loan process.
- Analyze Borrower's credit and financial scenarios, determining appropriate loan product, and obtain accurate AUS.
- Obtain and review all necessary loan documentation, and submits complete file to Processing.
- Monitor and ensure closing dates are met
- Communicate with Loan Officer, Sellers, Title Companies, Builders, and agents
- Liaison between Borrowers, Branch Manager, and Loan Processor, and conduct meetings to coordinate any follow-up items
- Resolve any file qualifying issues throughout the production, and underwriting process.
- Manage Prospect lead tracker, and active loan pipeline
Loan Processor
Cardinal Financial
Columbus, SC
07.2021 - 11.2021
- Work with the borrower to gather financial information such as credit reports, verify the accuracy to determine creditworthiness, and complete the loan application
- Liaison between borrower loan officers, real estate agents, and Underwriters to help further loan approval
- Order property and loan documentation such as appraisals, inspections, title searches, site surveys, contracts, and property tax records.
- Handle any, and all conditions sent from Underwriting.
Loan Officer Assistant/Processor Hybrid
Pilgrim Mortgage
San Antonio, TX
11.2018 - 04.2021
- Analyze applicant's financial and credit status to determine credit worthiness to determine loan program and loan qualification
- Responsible for outgoing/incoming calls and managed relationships on all prospects
- Collect and verify all documentation required for loan submission
- Order Credit Reports, Appraisals, Title Work, Verification of Employment, Credit Supplements, Transcripts, Flood Insurance, and Property Insurance.
- Average monthly volume of $5-$7 million
- Assistant to San Antonio, TX Top 5 Loan Officer
Loan Officer Assistant
Cornerstone Home Lending, Inc.
San Antonio, TX
03.2018 - 11.2018
- Responsible for outgoing/incoming calls and managing relationship on all Builder sales reps, and prospects.
- Analyze applicant's financial and credit status to determine loan program, and loan qualification
- Execute loan process, including order Appraisals, Title Work, Verification of Employment, Credit Supplements, Transcripts, Flood Insurance, and Property Insurance
- Manage Team pipeline and marketing campaign through Salesforce
- Develop and Distribute marketing material with business partners
- Average monthly volume $8-10 million
- Assistant to San Antonio, TX Top 5 Loan Officer
Loan Officer Assistant
On Q Financial
San Antonio, TX
01.2017 - 03.2018
- Analyze Applicant's financial and credit status to determine credit worthiness.
- Execute loan process by ordering Appraisal, Title Work, Verification of Employment, Credit Supplements, Transcripts, Flood Insurance, and Property Insurance
- Converse with Underwriters to resolve mortgage and loan application issues
- Manage pipeline through lead tracker, and coordinate closings
- Create credit repair formulas on ways for them to reach their financial goals
- Assisted in growing team volume from $26 millions to $32 million in 2017
Loan Officer Assistant
Legacy Mutual Mortgage
San Antonio, TX
03.2015 - 01.2017
- Worked with Loan Officer to create application profile in system and review key information at various stages within process.
- Scheduled meetings and appointments and maintained well-organized master calendar.
- Cultivated productive relationships with clients, realtors and title/escrow officers to increase profits and expand customer base.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications and financial history paperwork.
- Manage prospect lead tracker for Loan Officer and Referral Partners.
- Analyze applicant's financial and credit status to determine loan program, and qualifications.
- 2015 Volume $67 million, 2016 Volume $81 million
- Assisted to San Antonio, TX Top 5 Loan Officer
- Set up files using loan officer checklist and submitted on-time for processing.
Loan Officer
Security Service FCU
San Antonio, TX
02.2012 - 03.2015
- Originated first mortgage applicants from various referral avenues, such as internet application portal, branch walk-ins, telephone queue, and customer referrals.
- Counseled members to reduce debt, by analyzing individual credit issues, gain access to affordable financial services, achieve financial literacy, grow savings, an build assets.
- Analyze credit worthiness by requesting supporting documents to verify income, assets, liabilities, and credit history.
- Worked diligently with Management on day-to-day operational issues to increase productivity, such as leads, sales scripts, and branch education.
- Assisted in creating a Loan Officer Assistant position and employee training
- 2014 Ranked in the Top 25 Residential Loan Officer in San Antonio, TX
Timeline
Loan Partner
The Mortgage Firm
11.2021 - Current
Loan Processor
Cardinal Financial
07.2021 - 11.2021
Loan Officer Assistant/Processor Hybrid
Pilgrim Mortgage
11.2018 - 04.2021
Loan Officer Assistant
Cornerstone Home Lending, Inc.
03.2018 - 11.2018
Loan Officer Assistant
On Q Financial
01.2017 - 03.2018
Loan Officer Assistant
Legacy Mutual Mortgage
03.2015 - 01.2017
Loan Officer
Security Service FCU
02.2012 - 03.2015