David Valencia
Whittier,California
Summary
Analytical lending specialist with experience across mortgage origination, consumer lending, and relationship management. Strong background in credit review, documentation accuracy, and regulatory compliance. Focused on driving efficient loan processing and high-quality member experiences.
Overview
1
1
Language
1
1
Certification
11
11
years of professional experience
Work History
Virtual Relationship Consultant
First Entertainment Credit Union
Hollywood, California
03.2025 - Current
- Reviewed loan applications against credit union policies and lending guidelines to support consistent decisions.
- Coordinated lending and operations partners to ensure timely completion of member transactions.
- Evaluated funding packages, including income stips, payoffs, and contracts, for alignment with required guidelines.
- Monitored audit activity and performance trends to identify areas for improvement using Smartsheet dashboards.
- Trained Member Experience Center staff to identify and leverage cross-sell opportunities during member interactions.
Licensed Mortgage Loan Originator
Rise Mortgage & Real Estate
Anaheim, California
05.2024 - Current
- Directed mortgage loan origination with comprehensive credit, income, asset, and DTI analysis to ensure accurate assessments.
- Structured and priced loans across multiple wholesale lenders to align with borrower profiles and program guidelines.
- Coordinated with account executives, title, and escrow to streamline pipeline flow from application through funding.
- Ensured documentation accuracy and regulatory compliance throughout loan process to mitigate risk.
Senior Consumer Loan Consultant
Credit Union of Southern California
Anaheim, California
05.2016 - 12.2023
- Managed consumer loan pre-underwriting and funding activity, achieving top 3 sales ranking through effective oversight.
- Led detailed funding review work to confirm contract accuracy, income verification, and lending policy compliance.
- Collaborated with internal teams to prepare accurate lending documentation and funding files, ensuring compliance with lending policies.
- Trained and guided new employees and branches, enhancing application accuracy and reinforcing overall team performance.
Education
High School Diploma -
Rio Hondo College
Whittier, CASkills
- Credit analysis
- Loan structuring expertise
- Lending compliance
- Management of pipelines
- Sales process optimization
- Customer relationship management
- Communication proficiency
- Attention to detail
- Problem-solving abilities
- Teamwork and collaboration
- Rapport building skills
- Client engagement strategies
- Call handling techniques
Languages
Spanish
Full Professional
Certification
- NMLS: 679702
Timeline
Virtual Relationship Consultant
First Entertainment Credit Union
03.2025 - Current
Licensed Mortgage Loan Originator
Rise Mortgage & Real Estate
05.2024 - Current
Senior Consumer Loan Consultant
Credit Union of Southern California
05.2016 - 12.2023
High School Diploma -
Rio Hondo College