Eleanor Rios
El Paso,TX
Summary
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Knowledgeable Loan Processor offering expertise in legal statutes and established lending guidelines. Excellent communication and negotiation skills. Offering 34-year history of successful loan and mortgage processing.
Overview
14
14
years of professional experience
Work History
Sr. Mortgage Loan Processor
Eustis Mortgage Corp
10.2018 - 11.2024
- Enhanced loan processing efficiency by streamlining documentation and verification procedures.
- Reduced turnaround time for mortgage approvals through effective communication with underwriters and loan officers.
- Maintained a high level of accuracy in data entry, ensuring all loan applications were processed without errors.
- Collaborated with team members to meet monthly targets, contributing to the overall success of the department.
- Exceeded customer satisfaction ratings by providing timely updates on loan statuses and addressing concerns promptly.
- Assisted in training new team members, sharing best practices for efficient loan processing and customer service.
- Improved interdepartmental communication by establishing clear protocols for sharing information among team members.
Mortgage Compliance Officer
Tri-State Mortgage Co
01.2014 - 10.2018
- Enhanced regulatory compliance by developing and implementing comprehensive policies and procedures.
- Reduced the risk of financial penalties by conducting thorough internal audits on a regular basis.
- Streamlined reporting processes for improved efficiency in submitting data to regulatory agencies.
- Ensured timely identification of potential issues by establishing robust monitoring systems and controls.
- Developed comprehensive training programs to increase employee awareness of compliance requirements and expectations.
- Mitigated legal risks by proactively identifying gaps in existing policies and recommending improvements.
- Managed relationships with regulators, maintaining open lines of communication to ensure transparent operations.
- Evaluated new regulations for potential impact on business operations, taking proactive measures to ensure readiness for implementation.
- Implemented successful remediation efforts following audit findings, minimizing adverse consequences for the organization.
- Promoted a culture of continuous improvement through ongoing evaluation and refinement of compliance program elements.
- Maintained up-to-date knowledge of applicable laws and regulations.
Mortgage Loan Officer
GECU
04.2012 - 08.2013
- Increased loan approval rates by efficiently managing pipeline and maintaining strong relationships with borrowers, realtors, and underwriters.
- Streamlined the loan application process for improved customer satisfaction and a higher volume of closed loans.
- Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Developed strong partnerships with local real estate agents to generate consistent referral sources for mortgages.
- Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
- Promoted cross-selling opportunities within the organization by identifying additional financial products that would benefit clients beyond their mortgage needs.
- Worked with underwriters to fix application problems and resolve issues.
- Explained different types of loans pertaining to client situations.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Checked loan documents for accuracy prior to closing.
Mortgage Specialist
El Paso Affordable Housing
08.2010 - 04.2012
- Improved client satisfaction by efficiently processing mortgage applications and providing timely updates.
- Reduced loan approval time by streamlining the application review process and collaborating with underwriters.
- Enhanced team productivity by mentoring junior mortgage specialists and sharing best practices.
- Achieved high customer retention rate through exceptional relationship management and personalized service.
- Successfully closed loans by conducting thorough risk assessments and ensuring compliance with applicable regulations.
- Maximized profitability for the organization with diligent portfolio management and strategic recommendations.
- Maintained up-to-date knowledge of industry trends, enabling informed decision-making and accurate advice for clients.
- Collaborated with real estate agents to establish referral networks, fostering mutually beneficial partnerships.
- Assisted clients in navigating complex mortgage documentation, ensuring a smooth application experience from start to finish.
- Achieved success in closing challenging loan scenarios through creative problem-solving and persistence.
Education
BBA - Accounting
Mansfield Business College
El Paso, Texas05.1989
No Degree - Psychology/Computer Science
Texas Tech University
Lubbock, TX05.1988
High School Diploma -
Eastwood High School
El Paso, TX05.1984
Skills
- Pipeline Management Experience
- Problem Solving Prowess
- Ethical Conduct and Integrity
- Strong Communication Skills
- Customer Service Excellence
- Closing Coordination Mastery
- Documentation Review Competence
- Attention to Detail
- Data Entry Accuracy
- Credit Evaluation Abilities
- Decision-Making Abilities
- Loan Processing Proficiency
- Software Proficiency
- Appraisals
- Generating Reports
- Financial Document Review
- Residential Mortgage Lending Regulations
- Personal Data Collection
- Employment Verification
- Loan Modification
- File Management
- Credit Verification
- Mortgage Loan Processing
- Data Collection
- Problem-Solving
- Closing Support
- Loan Application Preparation
Timeline
Sr. Mortgage Loan Processor
Eustis Mortgage Corp
10.2018 - 11.2024
Mortgage Compliance Officer
Tri-State Mortgage Co
01.2014 - 10.2018
Mortgage Loan Officer
GECU
04.2012 - 08.2013
Mortgage Specialist
El Paso Affordable Housing
08.2010 - 04.2012
BBA - Accounting
Mansfield Business College
No Degree - Psychology/Computer Science
Texas Tech University
High School Diploma -
Eastwood High School
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