Christal Solis
Lewisville,TX
Summary
Organized Mortgage Loan Officer with 15 years of experience in the Mortgage Industry. Extensive real estate knowledge and success in client education.
Strong ability to build strong connections with clients. Hardworking and passionate about helping others accomplish their dreams in homeownership.
Overview
16
16
years of professional experience
Work History
Debt Specialist
National Debt Relief
2023.06 - Current
- Established credibility as a trusted advisor by consistently delivering on promises, maintaining confidentiality, and demonstrating a deep understanding of clients'' financial challenges.
- Effectively managed high-stress situations involving distressed clients by exercising empathy, patience, and professionalism at all times.
- Improved customer satisfaction levels by providing personalized financial advice and debt management solutions.
- Utilized analytical skills to evaluate clients'' financial situations accurately, enabling tailor-made solutions for each individual case.
Amerisave
Mortgage Loan Officer
2022.12 - 2023.06
- Educated clients throughout mortgage process, assisted with gathering necessary documentation for pre-approval.
- Managed approximately 25-40 loan pipeline of multiple loan products while maintaining strict adherence to deadlines and regulatory requirements.
- Collaborated with underwriters to resolve complex issues and expedite loan approval process.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Consistent follow up within daily pipeline to ensure clients were well informed on next steps and progress of loan application.
Mortgage Professional II
Mr. Cooper
2022.04 - 2022.11
- Originating portfolio clients within Consumer Direct Team
- Consult with and remain point of contact for homeowner from application to closing.
- Managed multiple loan applications simultaneously, ensuring thorough attention to detail and adherence to deadlines.
- Advised clients on available refinancing options based on market trends and personal financial goals.
- Conducted regular follow-ups with clients throughout mortgage process, addressing any concerns or questions promptly.
- Improved client satisfaction with timely and accurate loan processing, maintaining strong professional rapport.
- Conducted regular follow-ups with clients throughout mortgage process, addressing any concerns or questions promptly.
Sr Mortgage Consultant
Caliber Home Loans
2019.11 - 2022.03
- Originate home mortgage loans, with emphasize in refinancing within portfolio accounts
- Ability to accept both live, inbound leads as well as ability to convert leads from daily heavy out bounding calls
- Analyze homeowner’s financial conditions and provide applicable solutions to various products to assist in achieving their mortgage goals
- Adequately structure loans based upon complete guideline of mortgage product
- Appropriately lock in loans at point of sale with complete documentation explanation to homeowner
- Request of all required documentation for complete and paperless submission to operations team
- Ability to sustain under fast-paced environment with exceptional skill in multi-tasking under high stress while continuing to achieve daily and monthly sales goals.
- Knowledge of both Conventional and Government mortgage loan products.
Transaction Coordinator to Loan Officer Assistant
Guild Mortgage Company
2017.04 - 2019.10
- Coordinate home loan application process from application to closing.
- Conduct daily written and verbal communication with all parties involved in purchase transaction.
- Analyzing of borrower credit, liabilities and income documentation for accuracy
- Responsible for collecting underwriting conditions from borrower and uploading into system for processor review.
- Responsible for ordering all required inspections/reports (appraisals, flood reports, insurance)
- Supported agents in generating leads through effective marketing strategies that attracted potential buyers or sellers to listings actively managed by our team.
- Conducted consistent follow-ups with clients to address any concerns or questions related to their transactions promptly.
- Identified potential roadblocks in transactions proactively and communicated solutions to relevant parties swiftly.
- Contributed to increased sales figures by efficiently managing high volumes of real estate transactions simultaneously.
Mortgage Loan Processor
PennyMac Loan Services, LLC
2015.06 - 2016.06
- Managed high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Handled any conditions sent from underwriting departments.
- Assisted underwriters in approving loans by verifying financial information and ensuring accurate documentation.
- Scheduling and prepping of closings with realtors, closers and homeowners.
- Optimized workflow management by prioritizing high-priority tasks and meeting strict deadlines consistently.
- Ensured compliance with federal lending regulations through meticulous attention to detail during loan processing phase.
Operations Specialist Senior
CoreLogic
2014.05 - 2015.05
- Responsible for conducting research to locate Homeowner Associations and their information that involve various details about association, that would be needed for clients.
- Upon receipt of various information, responsible for analyzing documentation and confirm any and all data is accurate prior to delivery to client..
- Ensure proper input of data per procedure and guidelines into data base is met.
- Responsible for making proper notation of all communication made with management companies of and to associations, and any related third parties is made within order; including telephone calls, emails, or faxes
- Manage pipeline effectively, that includes assigned orders
- Ensure once order is assigned that all process and procedure is followed to meet all SLA time frames
- Account for all steps taken in order to confirm proper follow up is made on all orders and fulfilled completely.
Underwriter Assistant
Flagstar Bank Wholesale Lending
2012.12 - 2013.09
- Maintaining production of underwriting team and external and internal business partners in coordination of all functions related to underwriting of all FHA, VA home mortgage loans.
- Managing daily pipeline of 12-15 loans per day, consisting of both RETAIL and Wholesale lending
- Validating of all loan applications for accuracy and free of error
- Clearing and updating Prior To and At Closing conditions
- Calculating of income
- Preparing and seeing loan through to final clear to close process as well as assisting loan to funding
- Utilizing of all underwriting systems such as DU(Desktop UW), LP(Loan Processor), Fraud Guard, Lexis Nexis, Citrix, FHA Connection
- Careful Review of all title, appraisal, credit reports, and HUD documentation throughout loan process
- Responsible for daily log of production and team wide reporting to ensure daily as well as monthly quotas are met.
Modification Processor/CA OPS
Chase Bank
2011.09 - 2012.12
- Processing of home loan modification assistance for accounts of FNMA, FHLMC, FHA, USDA loans
- Perform of accurate review of all modification applications for completeness and accuracy
- Liaison between underwriter and customer service for status updates and vital information to be communicated to customer
- Order and review of Booker Price Opinions, Appraisals, Escrow Analysis
- Calculate household income to determine qualification
- Escalated calls also taken from Internal Customer Service to overcome technical and complex account situations within modification process..
- Hold team huddles in absence of manager along with collaboration with management to improve department procedures.
Account Manager/Modification Processor
Bank of America
2008.06 - 2011.09
- Maintaining high inbound and outbound call queue in assistance to homeowner inquires and modification application, as well as status of account updates.
- Validation of home modification assistance application as well as careful review of accuracy and error free
- Calculation of homeowner income for qualification purposes
- Responsible for gathering of all customer documentation required for continued assistance consideration and careful review of accuracy.
- Complete knowledge of all home modification plans and distressed work out options are relayed to homeowners of loss prevention
- Liaison between Modification underwriter and homeowner throughout modification process
- Assisting team lead in conducting team meetings and huddles, as well as floor walker to assist in escalated calls.
Education
Some College (No Degree) - Communications
University of Phoenix
Arlington, TXSome College (No Degree) - Communication Studies
Tarrant County Community
Arlington, TX High School Diploma -
Grand Prairie High School
Grand Prairie, TX05.2002
Skills
- Mortgage Professional known for strengths in risk assessment and documentation analyst. Presently licensed in TX
- Excellent interpersonal, problem-solving skills along with sound decision-making abilities and great customer service.
- Specialize in team leadership skills such as mentoring, hosting team collaborations, and composing team reports.
- Residential mortgage lending regulation
- Loan Processing
- Underwriting knowledge
- Relationship selling
Timeline
Debt Specialist
National Debt Relief
2023.06 - Current
Amerisave
Mortgage Loan Officer
2022.12 - 2023.06
Mortgage Professional II
Mr. Cooper
2022.04 - 2022.11
Sr Mortgage Consultant
Caliber Home Loans
2019.11 - 2022.03
Transaction Coordinator to Loan Officer Assistant
Guild Mortgage Company
2017.04 - 2019.10
Mortgage Loan Processor
PennyMac Loan Services, LLC
2015.06 - 2016.06
Operations Specialist Senior
CoreLogic
2014.05 - 2015.05
Underwriter Assistant
Flagstar Bank Wholesale Lending
2012.12 - 2013.09
Modification Processor/CA OPS
Chase Bank
2011.09 - 2012.12
Account Manager/Modification Processor
Bank of America
2008.06 - 2011.09
Some College (No Degree) - Communications
University of Phoenix
Some College (No Degree) - Communication Studies
Tarrant County Community
High School Diploma -
Grand Prairie High School
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