Carla Fernandez
Corona,CA
Summary
Driven Loan Officer with track record in mortgage and home lending product sales. Demonstrating strong interpersonal skills and exceptional service throughout sales process. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Jr. Loan Officer and Sales Assistant
Prosperity Home Mortgage
10.2020 - 03.2023
- Answered inquiries and provided superior customer service to clients.
- Set up files using loan officer checklist and submitted on-time for processing.
- Communicated with customers daily to request information and complete paperwork.
- Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps.
- Monitored key dates to obtain information by deadlines.
- Assisted with timely loan closing and funding activities with efficient management of task checklists.
- Liaised with clients to guide through loan closing process and skillfully handle any concerns.
- Assisted in resolving customer complaints, following procedures to find mutually beneficial solutions.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- Calculated, reviewed and corrected errors on interest, principal and closing costs.
Sr. Loan Processor
Luther Burbank Savings
07.2016 - 10.2020
- Requested and reviewed initial and necessary documents to submit a file to underwriting
- Determined applicable ratios and reviewed credit against the guidelines
- Reviewed locks and pricing
- Worked closing with underwriting and funding department to obtain necessary documentation to fund loan
- Prepared file for CD and Docs
- Reviewed Entity Files and requested necessary documentation to submit to the legal department for signature block approval
- Managed pipeline reports and maintained incoming loans logs
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
Account Executive/Sales Assistant
Kinecta Federal Credit Union
07.2012 - 04.2016
- Structured incoming loans
- Priced and assisted with locking loans
- Reviewed approvals, loan status, exception requests with brokers and processors
- Worked with management and underwriters when files were suspended
- Supported Top Producing Account Executive
- Worked with senior management to initiate new projects and assist in various processes.
- Volunteered to help with special projects of varying degrees of complexity.
- Handled logistics, catering, agendas and travel arrangements for meeting and event planning for conventions/Trade shows.
Loan Processor
Ventiva Corporation
06.2012 - 10.2012
- Prepared initial file, received and requested information from borrower
- Stacked file for initial submission per guidelines
- Ordered title docs and appraisal
- Reviewed approvals and cleared conditions
- Requested Subordinations and Re-conveyances
Administrative Assistant
ESRX Inc
01.2007 - 04.2010
- Handled all vendor and customer inquires
- Maintained AR/AP for daily purchase orders
- Assisted in the preparation of corporate offices and warehouses several States
- Maintained paperwork for negotiated leases and business expansion in Los Angeles, Maui, and Chicago
- Prepared documents and analysis for SEC quarterly audits.
Loan Officer
One Stop Mortgage Funding
06.2005 - 12.2006
- Requested appraisals and surveys
- Verification of Employment, Verification of Income
- Assisted customers in understanding loan terms and conditions to make informed decisions.
Underwriter Associate
Countrywide Financial
02.2002 - 06.2005
- Approved and denied mortgage loans, following mortgage standards
- Ability to underwrite loans from Pre-qualifications to Closed Funded files
- Executed daily operations of clearing conditions and calling sellers to review loans and make exceptions
- Reviewed information on mortgage loan documents to determine if buyer property and loan conditions met establishment and government standards.
Education
Associate of Arts - Social And Behavioral Studies
Norco College
Norco, CA12.2023
Associate of Arts - Humanities
Norco College
Norco, CA12.2023
Skills
- Microsoft Office capabilities, including Outlook, Excel and Word
- Loan Funding Coordination
- Document Verification
- Encompass
- Product Knowledge
- Desktop Underwriter
- Program Requirements
- Sales Expertise
- Analytical and Critical Thinking
Certification
- Licensed CA - DFPI Mortgage Loan Originator NMLS # 2050679
Timeline
Jr. Loan Officer and Sales Assistant
Prosperity Home Mortgage
10.2020 - 03.2023
Sr. Loan Processor
Luther Burbank Savings
07.2016 - 10.2020
Account Executive/Sales Assistant
Kinecta Federal Credit Union
07.2012 - 04.2016
Loan Processor
Ventiva Corporation
06.2012 - 10.2012
Administrative Assistant
ESRX Inc
01.2007 - 04.2010
Loan Officer
One Stop Mortgage Funding
06.2005 - 12.2006
Underwriter Associate
Countrywide Financial
02.2002 - 06.2005
Associate of Arts - Social And Behavioral Studies
Norco College
Associate of Arts - Humanities
Norco College
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