EMILY RIOFRIO
Simsbury,CT
Summary
Financial services professional with 11 years of hands-on experience across diverse areas of finance. I bring a broad perspective from working with both individuals and large organizations to enhance client satisfaction, streamline operations. Skilled in sales, cross-functional collaboration, and coordinating with internal and external partners, I deliver efficient, compliant plan administration while fostering strong client relationships that drive growth. Fluent in Spanish and highly adaptable, I thrive in environments where operational excellence and client success are top priorities.
Overview
11
11
years of professional experience
Work History
Mortgage Loan Officer
Liberty Ridge Lending
03.2025 - Current
- Negotiated loan terms and conditions with clients to maximize profitability.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- 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.
- Checked loan documents for accuracy prior to closing.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- 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.
Mortgage Loan Officer
ALCOVA Mortgage
04.2024 - 03.2025
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Processed loan applications and monitored progress from start to finish.
Mortgage Loan Officer
Alpha Mortgage Corporation
08.2023 - 04.2024
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Monitored pipelines to track and log status of loans.
- Explained very technical financial information to applicants in easy to understand language.
Client Care Coordinator
PCS Pro Team- Keller Williams Realty
01.2021 - 07.2023
- Managed and organized extensive client data base
- Collaborated with management to develop annual departmental budget and tracked expenses to ensure alignment with organizational goals.
- Tracked and analyzed KPIs to support strategic planning and drive goal-oriented performance improvements.
- Developed highly empathetic client relationships and earned reputation for exceeding service standard goals.
- Investigated and resolved customer inquiries and complaints quickly.
Financial Advisor
First Command Financial Planning
03.2019 - 07.2020
- Helped individuals and families build and execute wealth management strategies based on unique goals and objectives.
- Cultivated and strengthened relationships with new clients and educated clients on account services and capabilities.
- Worked with clients to support understanding of rationale and details of financial strategies.
- Educated clients on various financial matters and provided professional recommendations on investment opportunities, products, and services based on each clients' individual needs.
Fixed Income Client Services-Operations Sr Analyst
Bank of America Merrill Lynch
11.2014 - 09.2018
- Support the Emerging Market Fixed Income Sales desk on trade control processes, e.g. trade booking corrections, account maintenance and reconciliations, client trade discrepancies, settlement inquires and market changing implications
- Responsible for confirming and allocating trade details of large quantities on a daily basis with a 95% trade date allocation goals
- Traded knowledge in currency trades executed over various entities. Ability to differentiate currency trade nuances of which include embedded or applied FX rates, foreign currency settlement issues, and trade booking corrections
Education
Bachelor of Arts - Sociology
Hunter College
New York, NY05-2012
Skills
- Fluent in Spanish
- Resourceful in challenging scenarios
- Proficient in data analysis and KPI tracking
- Financial analysis
Timeline
Mortgage Loan Officer
Liberty Ridge Lending
03.2025 - Current
Mortgage Loan Officer
ALCOVA Mortgage
04.2024 - 03.2025
Mortgage Loan Officer
Alpha Mortgage Corporation
08.2023 - 04.2024
Client Care Coordinator
PCS Pro Team- Keller Williams Realty
01.2021 - 07.2023
Financial Advisor
First Command Financial Planning
03.2019 - 07.2020
Fixed Income Client Services-Operations Sr Analyst
Bank of America Merrill Lynch
11.2014 - 09.2018
Bachelor of Arts - Sociology
Hunter College
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