Emily Tocho
Summary
Manages high-volume loan paperwork in dynamic environment's with high production, approval and customer relations target. Expertise includes reviewing and validating personal employment and financial histories for each applicant self motivated and reliable with excellent teamwork, problem solving and organizational skills
Overview
26
26
years of professional experience
Work History
Mortgage Loan Processor
Wells Fargo & Company
04.2021 - 03.2023
- Reviewed and analyzed borrowers income, credit report, assets, appraisal and insurance
- Handled any conditions sent from underwriting departments.
- Collaborated with Loan Officers and closers to provide timely, accurate service for clients throughout entire mortgage process.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
Heloc -Loan Processor
Boeing Employee Credit Union
04.2016 - 08.2019
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Set up and completed loan submission packages.
Sr Mortgage Processor
Bank Of America
03.2010 - 12.2014
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Communicated with originator and applicant concerning progress of loan file.
- Handled any conditions sent from underwriting departments.
Insurance Sales Agent
Allstate Insurance Co
08.2005 - 12.2007
- Generated quotes and proposals for clients to match individual needs.
- Cultivated relationships with clients to identify and meet insurance needs and establish trust and rapport.
- Followed up promptly with interested clients to close sales.
- Provided comprehensive product knowledge and guidance to help clients on product selection.
Financial Specialist
First Union Bank/ Wachovia
06.1997 - 07.2004
- Assisted clients with their financial planning needs by assessing long and short term goals and recommending products that would help in achieving their goals
- Initiated conversations with clients to uncover financial needs, cross-sell products and services and make referrals to business partners to meet sales goals
- Educated clients on financial topics and best practices
- Educated clients on financial topics and best practices
Education
Bachelor of Science - Foods And Nutrition
UEAB
06.1994
Skills
Support Closings
Credit Bureau Contact
Appraisal Verifications
Credit Applications
Mortgage Insurance Arrangement
Interviews
Processing Procedures
Timeline
Mortgage Loan Processor
Wells Fargo & Company
04.2021 - 03.2023
Heloc -Loan Processor
Boeing Employee Credit Union
04.2016 - 08.2019
Sr Mortgage Processor
Bank Of America
03.2010 - 12.2014
Insurance Sales Agent
Allstate Insurance Co
08.2005 - 12.2007
Financial Specialist
First Union Bank/ Wachovia
06.1997 - 07.2004
Bachelor of Science - Foods And Nutrition
UEAB
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