Catalina Barrera Ortiz
San Juan
Summary
A bilingual, professional, and proactive individual with extensive experience in underwriting, customer service, loan processing, and retail sales. Skilled in member consultation, credit analysis, and achieving performance goals. Seeking a role where I can contribute my expertise and dedication to exceptional service.
Overview
13
13
years of professional experience
Work History
Mortgage Loan Originator I
Rally Credit Union
12.2023 - Current
- Originate and process mortgage loans, guiding clients through the home-buying process
- Analyze credit reports and financial documents to determine eligibility for mortgage products
- Provide personalized service and tailored solutions to meet client needs
- 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.
Member Service Representative (MSR)
Rally Credit Union
02.2023 - 12.2023
- Assisted members in opening accounts and processing loan applications
- Conducted thorough client interviews to identify financial goals and needs
- Resolved member issues and inquiries via phone and email with a focus on exceptional service
- Helped large volume of customers every day with positive attitude and focus on customer satisfaction.
- Provided exceptional service through active listening, understanding member needs, and offering appropriate solutions.
Freelance Hairstylist
Esco Beauty and Barber Shop
01.2021 - 03.2023
- Consult thoroughly with clients to identify desired styles and service expectations
- Meet daily and weekly quotas in both services and retail sales
- Provide personalized service while ensuring client satisfaction
Underwriter/MSR/Teller
La Joya Area FCU
01.2012 - 01.2019
- Evaluated consumer and vehicle loan applications, reviewing credit scores and financial documents to assess risk and determine loan approval
- Ensured compliance with lending policies and regulatory requirements
- Opened accounts, resolved member issues, and completed logs and reports in a timely manner
- Delivered excellent customer service to maintain strong member relationships
- Reviewed and Audited other underwriters and MSRs work.
- Training and mentoring: Helping employees develop their skills and knowledge.
- Problem-solving: Handling conflicts, making decisions, and ensuring a productive work environment.
- Delegation: Knowing how to assign the right tasks to the right people.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
Education
Cosmetology Operator -
UCAS
01.2021
High School Diploma - undefined
La Joya High School
01.2009
Skills
- Member Service
- Microsoft Office
- Reading and Understanding Credit Reports
- Loan Application Processing
- Risk Assessment and Underwriting
- Pipeline management
- Underwriting guidelines
- Residential mortgage lending regulations
- Referral generation
- Document preparation
- Credit evaluation
- Loan origination
- Goal oriented
- Sales development
Accomplishments
- Collaborated with both seniors in the achieving monthly quotes.
- Being Top producer 3 times through the year and being 2024 top producer.
Languages
Spanish (Fluent)
English (Fluent)
Top Producer for 2024 Over all and RGV
Top Producer – Overall and RGV Team, 2024
Recognized as the top producer for the entire organization and the RGV (Rio Grande Valley) team in 2024. Achieved exceptional performance by:
- Consistently exceeding loan origination goals through a focus on personalized member services.
- Leveraging a deep understanding of financial products and members needs to deliver outstanding results.
- The mentorship of my seniors and my goal getter personality.
Timeline
Mortgage Loan Originator I
Rally Credit Union
12.2023 - Current
Member Service Representative (MSR)
Rally Credit Union
02.2023 - 12.2023
Freelance Hairstylist
Esco Beauty and Barber Shop
01.2021 - 03.2023
Underwriter/MSR/Teller
La Joya Area FCU
01.2012 - 01.2019
High School Diploma - undefined
La Joya High School
Cosmetology Operator -
UCAS
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