Summary
Overview
Work History
Skills
Timeline
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Elda V. Mercado

MARYSVILLE,WA

Summary

Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.

Overview

20
20
years of professional experience

Work History

Sales Relationship Manager - Metzdorf Team

USA Mortgage
12.2018 - 03.2023
  • Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
  • Built and maintained relationships with new and existing clients while providing high level of expertise.
  • Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
  • Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
  • Participated in staff meetings to discuss innovative strategies to improve services.
  • Skilled at working independently and collaboratively in a team environment.
  • Self-motivated, with a strong sense of personal responsibility.

Loan Partner - Metzdorf Team

Dwell Mortgage
01.2016 - 12.2018
  • Do intake calls with Leads sent over by agents
  • Keep track of leads/prospects/active deals in LO’s CRM system
  • Issuing the pre-approval letter
  • Putting together an E-comparison via Mortgage Coach
  • Experience with VA/USDA/Bond/Jumbo/Reno and conventional mortgage loans
  • Go through all finding with DU/LP/GUS
  • Know how to look up guidelines for other investors or options if we needed to go non-conforming or manual UW
  • Experience with Day 1 Certainty Files
  • Process all locks for active files
  • Do weekly updating to agents/borrowers on all active deals
  • Submit files in for TBD pre-approvals
  • Send conditions out on all active files once approved/review all the conditions sent in by borrower/submit conditions to processing
  • Review all LE’s and CD’s before they go out to borrower
  • Order and review appraisals for all active deals
  • Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
  • Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
  • Worked with underwriters to fix application problems and resolve issues.
  • Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
  • Analyzed loan applications and credit reports to determine loan eligibility and risk level.
  • Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
  • Checked loan documents for accuracy prior to closing.
  • Explained different types of loans pertaining to client situations.
  • Negotiated loan terms and conditions with clients to maximize profitability.
  • Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
  • Set up, stored and updated customer files, department records and regulatory paperwork.
  • Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
  • Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
  • Dial in all of the costs for the file in the itemization page prior to file being disclosed
  • Trigger all milestone emails for LO on the CRM system for active deals
  • Order VOE’s pre-approvals when they are needed
  • Communicate with processing and underwriting to push back or get clarification on conditions for approvals received.

Compliance Assistant

Homestreet Bank
01.2015 - 01.2016
  • Complete the withdrawal and the decline process for files needing to be completed
  • Worked the RESPA and the ECOA reports to ensure timing was met for active files
  • Compared invoices to Final Hud’s and LE’s and CD’s to ensure accurate charges were shown
  • Compared GFE’s to HUD’s and LE’s to CD’s to make sure all tolerances were met
  • Ability to work within deadlines and under pressure
  • Completed Edits for LE’s and CD’s for our TRID process, along with the delivery of redlined CD’s and LE’s for high risk CD’s and LE’s
  • Scanning and Uploading CD’s and LE’s into our compliance inbox along with ensuring timely delivery and communication to processors and funders
  • Able to receive constructive criticism and be flexible
  • Part of the special projects team within the compliance dept
  • Was in charge of creating and maintaining an updated Guidelines Procedure for our team
  • Completed all of the FHA file reviews for our tem to ensure files were in compliance
  • Reviewed appraisals to make sure 442 charges were valid

Admitting Representative

Providence Regional Medical Center
01.2014 - 01.2015
  • Ensure accurate and timely patient registration
  • Ensure accurate insurance verification accurate data entry
  • Communicate effectively within department and other departments
  • Keep up to date with updates on process to ensure accurate patient registrations that are within hospital regulations
  • Review documents for accuracy and scan them into patient records
  • Ensure good communication and customer service to all patients.

Member Consultant

BECU
01.2008 - 01.2014
  • On pace to close/fund $2.48 million in consumer loans for 2012
  • Reviewed and analyzed documentation received to determine ratios and credit acceptability
  • Verified required lien perfection documentation is received and properly signed
  • Ensured that all membership and loan applications are complete and all calculations/data are accurate
  • Developed and maintained effective communication with all Credit Union employees and external members to ensure efficient coordination and exchange of information for accomplishing departmental and Credit Union goals
  • Originate FHA, Jumbo, Conventional, HARP and ARM mortgage loans

Branch Manager

US Bank
01.2006 - 01.2008
  • Ensured that budget goals were met
  • Ensured compliance with all banking laws and regulations
  • Provided on-site leadership, motivation and direction for branch staff
  • Led branch to expand client base and increase branch profitability.

Personal Banker

US Bank
01.2003 - 01.2006
  • Awarded 2006 Star of Excellence Award and recognition (top 10% of bankers in the company based on performance)
  • Developed new business and expanded existing client relationships
  • Was responsible for assessing and handling clients’ banking needs
  • Converted service opportunities into sales
  • Professional and personal references available upon request

Skills

  • Ten-key by touch
  • Type 60 WPM
  • Excellent organizational skills
  • MLO License for the states of WA and AZ- MLO #517769
  • Verbal and Written Communication
  • Client Loyalty and Satisfaction
  • Team Leadership
  • Effective Customer Communication

Timeline

Sales Relationship Manager - Metzdorf Team

USA Mortgage
12.2018 - 03.2023

Loan Partner - Metzdorf Team

Dwell Mortgage
01.2016 - 12.2018

Compliance Assistant

Homestreet Bank
01.2015 - 01.2016

Admitting Representative

Providence Regional Medical Center
01.2014 - 01.2015

Member Consultant

BECU
01.2008 - 01.2014

Branch Manager

US Bank
01.2006 - 01.2008

Personal Banker

US Bank
01.2003 - 01.2006

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Elda V. Mercado