Fernanda B. Serrano
Round Rock,TX
Summary
Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service. Driven Loan Officer with track record in mortgage and home lending product sales. Demonstrating strong interpersonal skills and exceptional service throughout sales process.
Overview
22
22
years of professional experience
Work History
Senior Loan Officer
Homeside Financial
08.2021 - Current
- Submitted loan applications to underwriter for verification and recommendations.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Developed and maintained relationships with local real estate agents.
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Maintained strict confidentiality of bank records and client information.
- Recommended loan approvals and denials based on customer loan application reviews.
- Monitored performance of existing loan portfolios to identify and address any issues.
- Utilized risk management strategies to attain high loan approval rates.
- Developed strong relationships with customers through high levels of customer service.
- Advised clients on mortgage, education and personal loans.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Examined customer loan applications for loan approvals and denials.
- Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
- Collaborated with other departments to promptly process loan applications.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Developed systems to efficiently track loan documents and enhance accuracy.
- Developed and implemented marketing campaigns to attract new customers.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Negotiated loan terms and conditions with customers to secure best deal.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Processed loan applications and monitored progress from start to finish.
- Monitored pipelines to track and log status of loans.
- Proactively identified solutions for customers experiencing credit issues.
- Explained very technical financial information to applicants in easy to understand language.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Assisted customers with completing loan applications and other paperwork.
- Developed and maintained relationships with customers, lenders and other third parties.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Researched and updated industry knowledge on changing legislation and regulations.
- Assessed loan portfolios for compliance with underwriting policies.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
Loan Officer, Lender Originator and Processor
Northpointe Bank
01.2020 - 07.2021
- Analyze applicant’s financial status
- Perform daily maintenance of the loan applicant database
- Possessing computer skills with the ability to easily grasp the functionality and concepts of loan software
- Adhere to all federal and state compliance guidelines database relative to retail mortgage lender
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Submitted loan applications to underwriter for verification and recommendations.
- Maintained strict confidentiality of bank records and client information.
- Collaborated with other departments to promptly process loan applications.
- Examined customer loan applications for loan approvals and denials.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Monitored performance of existing loan portfolios to identify and address any issues.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Utilized risk management strategies to attain high loan approval rates.
- Advised clients on mortgage, education and personal loans.
- Recommended loan approvals and denials based on customer loan application reviews.
- Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
- Developed and implemented marketing campaigns to attract new customers.
- Developed systems to efficiently track loan documents and enhance accuracy.
- Processed loan applications and monitored progress from start to finish.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Developed and maintained relationships with customers, lenders and other third parties.
- Assisted customers with completing loan applications and other paperwork.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Negotiated loan terms and conditions with customers to secure best deal.
- Proactively identified solutions for customers experiencing credit issues.
- Explained very technical financial information to applicants in easy to understand language.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Monitored pipelines to track and log status of loans.
- Assessed loan portfolios for compliance with underwriting policies.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Researched and updated industry knowledge on changing legislation and regulations.
- Developed strong relationships with customers through high levels of customer service.
Customer Service Specialist
Alaska Airlines
01.2019 - 01.2020
- Exercised a thorough understanding of airline ticketing and reservation procedures
- Possessing computer skills with the ability to easily grasp the functionality and concepts of company software
- Worked as a team for smooth and safe operations matching the standards set by the company
- Coordinating activities of passenger reservations and ticketing, passenger services, ramp and cargo services, commissary services, and dispatching of aircraft to ensure operations meet company and government policies and regulations.
Kindegarten Teacher
Maple Bear Canadian School
01.2012 - 01.2014
- Teach children through structured play
- Submit weekly lesson plans
- Responsible for helping to organize, plan and also participate in activities that entertain and teach children
- In charge of observing and summarizing a child’s progress in areas such as reading, maths and music
- Acquired knowledge of management by helping coordinate staff meeting and parent meeting.
Bi-lingual Child Development Specialist
Building Health Families
01.2007 - 01.2009
- Provided parent education and family support for pregnant women and parents of children under 3 years old at risk of abuse through home visitation
- Responsible of observing and summarizing a child’s progress in every visit
- Responsible to provide referrals to needed services
- Train new employees.
Teller
Lennox Credit Union Bank
01.2005 - 01.2006
- Efficiently processed client’s transactions while delivering excellent customer service
- Handled money regularly and accurately completed settlements twice a day without error and meeting guidelines
- Recognized sales opportunities and met teller referral goals.
Front desk
La Casa Del Camino
01.2002 - 07.2002
- Guest relations and services.
Education
Bachelor of Arts - Human Services
Buena Vista University
Fayette, IA07.2009
Practical Nursing - Nursing
Manatee Technical College
Lakewood, FL05.2018
Associate of Arts - Liberal Arts
Marshalltown Community College
Marshalltown, IA05.2006
Skills
- Appraisal Compilation
- Application Preparation
- Information Verification
- Regulatory Compliance Understanding
- Extensive Product Knowledge
- Organizational Skills Mastery
- Ethical Conduct Adherence
- Loan Origination Mastery
- Decision-Making Confidence
- Advanced Risk Assessment
- Customer Service Excellence
- Time Management Efficiency
- Strong Financial Acumen
- Team Leadership Experience
Languages
English
Native or Bilingual
Spanish
Native or Bilingual
Portuguese
Native or Bilingual
Timeline
Senior Loan Officer
Homeside Financial
08.2021 - Current
Loan Officer, Lender Originator and Processor
Northpointe Bank
01.2020 - 07.2021
Customer Service Specialist
Alaska Airlines
01.2019 - 01.2020
Kindegarten Teacher
Maple Bear Canadian School
01.2012 - 01.2014
Bi-lingual Child Development Specialist
Building Health Families
01.2007 - 01.2009
Teller
Lennox Credit Union Bank
01.2005 - 01.2006
Front desk
La Casa Del Camino
01.2002 - 07.2002
Bachelor of Arts - Human Services
Buena Vista University
Practical Nursing - Nursing
Manatee Technical College
Associate of Arts - Liberal Arts
Marshalltown Community College
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