ERICA PEREZ
Denver
Summary
Energetic and personable individual with strong aptitude for communication and relationship-building. Possesses foundational knowledge in financial principles and documentation, along with skills in analyzing credit information and assessing borrower qualifications. Dedicated to facilitating seamless loan processes and contributing to successful client outcomes.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Mortgage Loan Originator
COLORADO TIERRA MORTGAGE
01.2022 - 08.2024
- Analyzed applicant financial data to determine eligibility for various loan products, tailoring recommendations based on individual needs.
- Assisted clients in understanding complex mortgage terms, facilitating informed decisions about their financing options.
- Collaborated with underwriters, processors, and other team members to resolve issues, ensuring smooth transactions for all parties involved.
- Proactively identified solutions for customers experiencing credit issues.
Mortgage Specialist
SPECIALIZED LOAN SERVICING
09.2012 - 05.2024
- Managed a diverse pipeline of mortgage applications, prioritizing tasks effectively to meet deadlines consistently.
- Mitigated credit risk by conducting thorough due diligence checks on all applicants, safeguarding the organization''s interests.
- Provided comprehensive financial guidance to clients, recommending suitable mortgage products based on their needs and goals.
- Evaluated pay stubs, credit history, tax information and bank statements for financial status.
- Proven ability to learn quickly and adapt to new situations.
- Negotiated favorable terms on behalf of clients, ensuring their long-term financial success with their mortgage loans.
Licensed Insurance Producer
AMERICAN FAMILY INSURANCE
08.2008 - 01.2012
- Developed comprehensive knowledge of various insurance products, enabling more informed recommendations to clients based on their needs.
- Sold auto, home, life, and other various insurance products to individuals and affinity groups within assigned territory using consultative selling techniques.
- Conducted thorough risk assessments for clients to determine appropriate coverage levels and minimize potential liabilities.
- Excellent communication skills, both verbal and written.
Licensed Insurance Producer
AFFORDABLE AMERICAN INSURANCE
01.2011 - 12.2011
- Sold various types of insurance policies to businesses and individuals on behalf of insurance companies
- Contacted underwriters and submitted forms to obtain binder coverage
- Offering policy guidance and management to promote asset protection
Education
COMMUNITY COLLEGE OF DENVER
01.2007
METRO STATE COLLEGE
01.2005
EMILY GRIFFITH OPPORTUNITY SCHOOL
01.2004
Skills
- Loan structuring
- Pipeline management
- Residential mortgage lending regulations
- Collections management
- Financial analysis
- NMLS registration
- Property evaluation
- Proficient in 10-key
- Creditworthiness determination
- Problem-solving
Certification
- Mortgage Loan Originator, NMLS ID 1179613, 08/14 to current
- Licensed Insurance Producer Personal and Life, 01/08 to 01/12
Languages
Spanish
Professional Working
Timeline
Mortgage Loan Originator
COLORADO TIERRA MORTGAGE
01.2022 - 08.2024
Mortgage Specialist
SPECIALIZED LOAN SERVICING
09.2012 - 05.2024
Licensed Insurance Producer
AFFORDABLE AMERICAN INSURANCE
01.2011 - 12.2011
Licensed Insurance Producer
AMERICAN FAMILY INSURANCE
08.2008 - 01.2012
METRO STATE COLLEGE
EMILY GRIFFITH OPPORTUNITY SCHOOL
- Mortgage Loan Originator, NMLS ID 1179613, 08/14 to current
- Licensed Insurance Producer Personal and Life, 01/08 to 01/12
COMMUNITY COLLEGE OF DENVER
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