Delia Menchaca Ortiz
NMLS# 2769557
Summary
Licensed Mortgage Loan Originator with experience in loan origination, financial analysis, and mortgage application guidance. Background in credit unions and banking environments, supporting members with deposits, fraud resolution, and cross-selling financial products. Bilingual in Spanish and English with strong sales, customer service, and relationship-building skills.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Mortgage Loan Originator
CEFCU
Gilroy
07.2025 - Current
- Guided clients through mortgage application processes and documentation requirements.
- Evaluated client financial situations to recommend suitable mortgage products.
- Collaborated with real estate agents to streamline loan approval timelines.
- Originated loans and assisted senior-level credit officers with complex loan applications.
- Reviewed borrower documents such as tax returns, bank statements, employment history. to verify accuracy and completeness.
- Attended industry events, seminars, workshops for professional development purposes.
- Gathered client debt, credit and income information to determine loan eligibility.
Teleservices 2
Monterey Credit Union
Monterey
08.2024 - 07.2025
- Worked successfully with a diverse group of coworkers to accomplish goals and address issues related to our members.
- Answer inbound and outbound calls in a timely manner to satisfy our members' needs.
- Cross-sell our products to keep our members informed of current services.
- Assist with transactions for members, including but not limited to stop payments, fraud disputes, deposits, certificates and/or withdrawals.
CCR 2
Wescom Credit Union
Seaside
08.2022 - 08.2024
- Promoting auto, personal, HELOCs, and mortgages to members, depending on their needs.
- Maintained knowledge of products and services. Perform day-to-day transactions for members, including deposits, withdrawals, transfers, and payments.
- Assist members with savings products, including checking, certificates, IRAs, and money market accounts.
- Ensured member engagement and migration to appropriate delivery channels.
Sales Associate II
Don Roberto Jewelers
Seaside
12.2019 - 06.2022
- Achieve and exceed assigned monthly performance sales plans.
- Sell the accurate amount of merchandise to customers depending on their credit reports.
- Access consumer accounts and maintain accuracy, as well as safety, in accordance with the company's consumer privacy policies.
- Opened and closed cash registers by counting money, separating charge slips and balancing drawers.
Education
High School Diploma -
Mount Toro High School
Salinas05-2018
Skills
- Customer service
- Transaction processing
- Product knowledge
- Sales enhancement
- Fraud investigation
- Cross-selling strategies
- Sales
- Good Telephone Etiquette
- Bilingual (Spanish and English)
- Loan origination
- Mortgage application guidance
- Loan processing
Certification
- NMLS Licensed Mortgage Loan Originator - NMLS# 2769557
Timeline
Mortgage Loan Originator
CEFCU
07.2025 - Current
Teleservices 2
Monterey Credit Union
08.2024 - 07.2025
CCR 2
Wescom Credit Union
08.2022 - 08.2024
Sales Associate II
Don Roberto Jewelers
12.2019 - 06.2022
High School Diploma -
Mount Toro High School