ELY VIEIRA
Fort Mill
Summary
Mortgage Loan Specialist with a proven track record at SECU, excelling in loan origination and credit evaluation. Known for achieving high approval rates through meticulous document review and fostering client relationships. Bilingual in Spanish, I thrive under pressure, ensuring exceptional service and compliance in all financial transactions.
Overview
13
13
years of professional experience
Work History
Mortgage Loan Specialist
SECU
Charlotte
01.2025 - Current
- Receive and assist in the completion of real estate loan applications, while serving as the primary point of contact for applicants during the origination process.
- Evaluate and verify income documentation, including personal and business tax returns, to make informed approval or denial decisions.
Consumer Loan Originator
Family Trust FCU
Rock Hill
05.2024 - 01.2025
- Evaluate loan applications, ensuring compliance with lending policies and regulations. Achieved high approval rates by thoroughly assessing creditworthiness and financial stability.
- Collaborate with clients to tailor loan solutions, enhancing customer satisfaction and retention.
- Identify and resolve discrepancies in loan documentation, ensuring accuracy and completeness.
- Increased loan portfolio growth through strategic marketing and client outreach initiatives.
Mortgage Loan Originator
First Community Mortgage
Charlotte
02.2024 - 05.2024
- Persuasively sell the advantages of partnering with First Community Mortgage.
- Collaboratively guide clients through the entire loan process, ensuring clarity and understanding.
- Authoritatively answer all queries related to the loan application process.
- Enthusiastically assist clients in navigating loan closure, addressing any final concerns.
- Analytically collect and review necessary documents for loan application.
Mortgage Loan Officer
Founders Federal Credit Union
Charlotte
09.2023 - 02.2024
- Analyze credit reports and financial statements to determine the creditworthiness of applicants.
- Develop and maintain relationships with real estate agents, and other referral sources to generate mortgage loan leads.
- Manage the loan application process from start to finish, including collecting necessary documentation and coordinating with external parties such as appraisers and title companies.
- Evaluate and recommend loan products and terms that best meet the needs of borrowers.
- Collaborate with mortgage underwriters to ensure loan applications are processed and approved in a timely manner.
Financial Service Representative
Founders Federal Credit Union
Indian Land
02.2021 - 09.2023
- Managed comprehensive knowledge of Founders' Loan Policy, programs, and procedures, ensuring adherence to financial regulations.
- Verified secured loans for proper liens, insurance verification, and necessary values, enhancing loan closing efficiency.
- Approved loans within Matrix Lending authority guidelines, escalating loan requests exceeding limits for further approval.
- Conducted applicant interviews, interpreted credit reports, and cross-sold Founders loan products, driving financial product sales.
- Promoted additional products such as GAP, extended warranties, and payment protection, contributing to revenue growth.
- Efficiently approved loans within authority, enhancing member satisfaction & financial portfolio growth.
- Streamlined loan processes, ensuring regulatory compliance & member satisfaction.
Teller
Suntrust Bank (now Truist Bank)
Charlotte
07.2018 - 03.2020
- Handling customer financial transactions.
- Records transactions by logging cashier's checks, traveler's checks.
- Complies with bank operations and security procedures by participating in all dual-control functions.
- Promote bank products and services to customers.
- Assisting customers by providing excellent customer service and resolving any issues or concerns they may have.
- Provide excellent customer service by actively listening to customers' needs and addressing their inquiries or concerns in a prompt and professional manner.
- Maintain a high level of accuracy and attention to detail when processing customer transactions to minimize errors and ensure customer satisfaction.
Customer Service Representative - Spanish
SoCalGas
San Dimas
08.2015 - 09.2017
- Delivered robust bilingual customer service, boosting customer satisfaction and loyalty.
- Maintained comprehensive knowledge of company's offerings, providing precise solutions.
- Assisted customers with billing inquiries, enhancing their understanding and trust.
- Elevated customer satisfaction by delivering bilingual support, mastering product knowledge.
Personal Banker
WELLS FARGO
City of Industry
01.2012 - 08.2015
- Introduce customers to new products and services while doing financial reviews.
- Excellent customer service achieving 100% in customer surveys for continuous quarters.
- Cross selling different bank products including lending and mortgage while being top 10 in the district.
- Dealing with confidential information and large transactions daily.
- Exceeded district sales goals by promoting key financial products, leading to top 10 ranking.
Education
Bachelor of Arts - Organizational Leadership
UNIVERSITY OF SOUTH CAROLINA
Lancaster, SC06.2025
Degree - Liberal Arts: Emphasis in Social and Behavioral Sciences
CITRUS COMMUNITY COLLEGE
Glendora, CASkills
- Fluent in Spanish
- Ability to work under pressure
- Financial transactions
- Security procedures
- Confidentiality
- Cash handling
- Excellent attention to detail
- Large transactions
- Loan processing
- Loan origination
- Document review
- Credit evaluation
- Mortgage expertise
- Credit analysis
Timeline
Mortgage Loan Specialist
SECU
01.2025 - Current
Consumer Loan Originator
Family Trust FCU
05.2024 - 01.2025
Mortgage Loan Originator
First Community Mortgage
02.2024 - 05.2024
Mortgage Loan Officer
Founders Federal Credit Union
09.2023 - 02.2024
Financial Service Representative
Founders Federal Credit Union
02.2021 - 09.2023
Teller
Suntrust Bank (now Truist Bank)
07.2018 - 03.2020
Customer Service Representative - Spanish
SoCalGas
08.2015 - 09.2017
Personal Banker
WELLS FARGO
01.2012 - 08.2015
Bachelor of Arts - Organizational Leadership
UNIVERSITY OF SOUTH CAROLINA
Degree - Liberal Arts: Emphasis in Social and Behavioral Sciences
CITRUS COMMUNITY COLLEGE
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