Del S. Peñano

• Originate residential mortgage loans, including First Mortgage and HELOC products, through in‑person and phone‑based consultations.
• Assess client financial needs and present appropriate home‑lending solutions aligned with their goals.
• Build and deepen client relationships by leveraging full banking capabilities, including credit, auto loans, credit cards, and core banking products.
• Analyze borrowing needs, guide clients through the mortgage process, and ensure compliance with lending requirements and operational standards.

• Analyzed client needs to recommend appropriate banking products and services, driving account growth.

• Responsible for both inbound and outbound sales call.
• Review 1st Mortgage and Home Equity Line of Credit(HELOC) applications with our members.
• Identify best fit products for our members and find solution to accomplish their needs based on consultive selling.
• Work closely with processors to help move pipeline for closings.
• Periodically reach out to Realtors on status of purchase closing with the help our processing team.
• Run Desktop underwriting and review findings with members.
• Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
• Increased customer satisfaction by resolving issues.
• Originate Conventional, Non-Conforming, FHA & VA Mortgage Loans & Home Equity Lines of Credit.

• Received on-going, comprehensive training on home loan products and mortgage process.
• Interviewed borrowers/members regarding loan needs and financial histories and conveyed information regarding application processes.
• Checked daily pipeline reports each morning to identify priorities or issues for escalation to supervisor.
• Oversaw file input in mortgage software (Encompass)
• Collaborated with Loan Officers and processors to provide timely, accurate service for clients throughout entire mortgage process.
• Used consultative sales approach to understand borrowers/members needs and recommend best fit as it relates to mortgage offerings.
• Worked with Loan Officer to create application profile in system and review key information at various stages within process.
• Documented borrower's information in loan processing system and resolved any discrepancies.
• Compiled sales leads and managed contacts with Encompass.
• Run DU and review findings and follow next steps for Pre-approval

• Identifies business opportunities by identifying prospects(B2B) and evaluating their position in the industry; researching, analyzing sales options and recognizing relevant upsells for now or for future projects.
• Sell our services (SaaS) by establishing contact and developing relationships with prospects; recommending solutions and ensuring a smooth sales process.
• Maintain relationships with install base for both retail customers & resellers (partners) by providing support, recommending products for improvement, including best practices.
• Regularly update monthly forecasts and respective activities associated with the current and future pipeline.
• Experienced with CRM tools such as Salesforce, Copper.
• Participate in networking events to build relationships and future sales opportunities.
• Managed both website sales chat, including inbound and outbound sales calls.

• Maintain documentation of activities and prospect information in the CRM database.
• Identify decision-makers within the targeted accounts, including C Level Executives Create and deliver qualified opportunities to meet monthly sales targets.
• Work seamlessly with Rackspace technical resources to understand customer needs and design solutions accordingly.
• Inbound & outbound sales call with B2B offering our Software as a Service(SaaS) Manage opportunities from lead generation through implementation.
• Developed and maintained positive customer relations and coordinated with team members to properly handle requests and questions.
• Responsible for inbound calls as it relates to our Software as as Service (SaaS) and proceeded with discovery calls that leads to a sale.

• Supervised 6 Home Preservation Home Specialist (Processors).
• Audit pipeline of processors.
• Prioritize and coordinate multiple tasks for the distribution of work.
• Review investors and State Guidelines for Loss Mitigation options.
• Review income and supporting documents prior to submission to underwriting.
• Responsible for contacting law offices to postpone foreclosures.

• Originate mortgage products including conventional and non-conventional mortgages, including Home Equity Loans.
• Worked directly with borrowers to ensure they have the right product based on their needs prior to the loan application.
• Run Desktop Underwriting and review findings with borrowers.
• Responsible for understanding of mortgage regulatory guidelines and best practices.
• Worked directly with the Escrow officer on scheduling borrowers for loan signing and I would be present to help facilitate the loan closing, by walking borrowers through their loan docs.
• Responsible for sourcing business via affinity groups such at Realtors, Attorney's, CPA's, etc.
• Managed as a Home Mortgage Consultant, “one” retail Wells Fargo Branch offering mortgage solutions for customers.
• Assessed clients' financial data to determine loan suitability.

• Originate mortgage products including VA, FHA, Conventional and Non-conforming loan, including Home Equity Loans.
• Worked with Personal Bankers and Financial Advisors to cross-sell other lines of business.
• Interviewed borrowers based on needs analysis which includes pre-qualification and mortgage application utilizing “desktop underwriting.” To ensure timely closings, I worked directly with borrowers, processors, title companies, and real estate agents.
• Ran Desktop Underwriting for Pre-approvals and review findings with borrowers.
• Ensured that all before funding conditions if any were satisfied to avoid any delays.
• Responsible for mortgage loan origination for 3 Chase Retail Branches (Stone Oak & Alamo Heights Market) and self-sourcing through affinity groups and real estate agents.