Carlos Santivanez
Bluffdale,UT
Summary
Accomplished Mortgage Loan Originator with a proven track record at U.S. Bank, adept in loan structuring and providing exceptional customer support. Leveraged underwriting knowledge and negotiation tactics to increase loan approvals and maintain high customer satisfaction. Fluent Trilingual (Spanish, Portuguese and English), with a knack for developing strong professional relationships, contributing to consistent achievement of sales targets. Organized Mortgage Loan Officer with 24 years of experience in Mortgages and Financial Products Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations.
Overview
8
8
years of professional experience
Work History
Mortgage Loan Originator
U.S. Bank
03.2023 - Current
- Worked with underwriters to fix application problems and resolve issues.
- Collaborated with underwriters, processors, and other team members to resolve issues, ensuring smooth transactions for all parties involved.
- Analyzed applicant financial data to determine eligibility for various loan products, tailoring recommendations based on individual needs.
- Maintained up-to-date knowledge of industry regulations, changes, and trends to provide accurate advice to clients.
- Increased loan application approvals by efficiently processing and reviewing documents for accuracy and compliance.
- Contributed towards achieving branch sales targets through consistent performance in meeting personal goals as well as supporting team members when needed.
- Provided exceptional customer service throughout the entire loan process from initial consultation to closing day.
- Worked closely with borrowers experiencing financial hardship, helping them explore alternative financing options or refinancing solutions.
- Managed a pipeline of mortgage applications, prioritizing tasks to ensure timely closings and meet clients'' needs.
- Assisted clients in understanding complex mortgage terms, facilitating informed decisions about their financing options.
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Structured loans creatively to address unique borrower situations and maximize approval chances without compromising compliance standards.
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
- Conducted borrower interviews to gather necessary information and documentation for loan applications.
- Conducted regular follow-ups with clients post-closing to ensure satisfaction and identify potential referrals.
- Explained different types of loans pertaining to client situations.
- Improved client satisfaction rates by providing timely communication and updates on loan statuses.
- Prepared documents for customers, submitting and overseeing through each step of closing process.
- Mentored junior colleagues in navigating complex mortgage industry procedures while sharing valuable insights gained from years of experience.
- Assisted in the development of marketing materials targeting prospective borrowers, helping promote the company''s loan products effectively.
- Participated actively in weekly team meetings discussing market trends and sharing best practices among peers.
- Developed strong relationships with real estate agents, increasing referral business and expanding client base.
- Attended networking events to build professional relationships within the local community, generating increased leads.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Assisting 5 bank branches exclusively with mortgage clients and mentored colleagues in navigating complex mortgage procedures and assisting to learn basic mortgage principles to oriented clients.
Home Mortgage Consultant
Wells Fargo Home Mortgage
09.2016 - 03.2023
- Assessed clients' financial data to determine loan suitability.
- Advised clients on loan process and specialized topics in home purchasing such as First Time Home Buyer and utilizing different programs like ; FNMA, Freddie Mac, FHA, VA, and USDA.
- Collaborated with and facilitated communications between borrowers and lenders to obtain ideal loans for home purchases.
- Presented, explained and processed home loan documents such as Approximate loan cost illustrations, LE's, Uniform Residential Loan Applications and CD'to borrowers.
- Managed a diverse client portfolio, ensuring positive experiences and long-term relationships.
- Utilized CRM tools to manage client information effectively while staying organized amid high work volumes.
- Provided expert guidance during the entire loan process, ensuring smooth transactions from preapproval to closing.
- Collaborated with underwriters to ensure accurate and timely loan processing, resulting in a higher approval rate.
- Coordinated with title companies, appraisers, real estate agents, and other professionals during settlement procedures ensuring seamless transactions.
- Consistently met or exceeded sales targets by effectively managing pipelines and prioritizing tasks.
- Adhered strictly to regulatory compliance measures mitigating risk exposure for both company and clients.
- Built trust among clients by maintaining confidentiality and professionalism throughout the loan process.
- Conducted comprehensive financial analyses to tailor mortgage options for optimal client benefits.
- Educated clients on various home financing products, empowering them to make informed decisions.
- Maintained up-to-date knowledge of industry trends, regulations, and lending programs to better serve clients'' needs.
- 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.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Worked with underwriters to fix application problems and resolve issues.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Assisting 7 Wells Fargo Branches exclusively with mortgage clients.
Education
Associate of Applied Science - Emergency Medical Technology
Safety Programs Consultant Inc.
Taunton, MA05.2001
Bachelor of Science - Police Science, Criminal Justice / Law Enforcement
National Police School of Officers (EO-PNP)
Chorrillos- Lima- Peru12.1991
High School Diploma -
Horacio Patino Cruzzatti
Lima-Peru12.1987
Skills
- Loan structuring
- Pipeline Management
- Underwriting guidelines
- Computer Skills
- Problem Resolution
- Calm and Professional Under Pressure
- Customer Relations
- Residential mortgage lending regulations
- Loan Origination
- Underwriting knowledge
- Financial Analysis
- Negotiation Tactics
- Fluent Bilingualism
- Problem-Solving
- Customer Support
- Administrative and Office Support
7 Years working as a Police Officer with the Grade as a Lieutenant
I have graduated as a National Police Officer with the grade as a Sub-Lieutenant in my country Peru, with a Bachelor Degree in Police Sciences , Criminal Justice and Law Enforcement , eventually obtained the grade of Lieutenant with 7 years of experience ; supervising , managing and administrating criminal justice as an Officer.
Timeline
Mortgage Loan Originator
U.S. Bank
03.2023 - Current
Home Mortgage Consultant
Wells Fargo Home Mortgage
09.2016 - 03.2023
Associate of Applied Science - Emergency Medical Technology
Safety Programs Consultant Inc.
Bachelor of Science - Police Science, Criminal Justice / Law Enforcement
National Police School of Officers (EO-PNP)
High School Diploma -
Horacio Patino Cruzzatti
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