Enthusiastic Sales and Customer Service professional with expertise in communication and negotiating. Driven to provide superior quality customer service. Innovative in leveraging extensive knowledge of products and services as well as creating solutions for customers to drive loyalty, retention and revenue. Highly adept at training, managing, coaching and mentoring sales and customer service associates with talent for interacting with staff at all levels of organization and public.
Hi, I’m
Flavia Ybarra
San Diego,CA
Summary
Overview
20
years of professional experience
Work History
Lineage Lending Carlsbad, CA
VP of Residential Lending
03.2023 - Current
Job overview
- Generate new business by cultivating and maintaining relationships with real estate agents, builders, and referral partners.
- Provide expert guidance to clients on mortgage loan options, including a wide array of loan products.
- Analyze borrowers' financial profiles, review loan applications, and evaluate creditworthiness to determine loan eligibility.
- Collaborate with underwriters to address any conditions and facilitate a smooth loan approval process.
- Maintain a robust pipeline of loans, managing all aspects of the loan origination process from application to closing.
- Achieve consistent top producer status, exceeding monthly and annual sales targets.
- Develop and deliver comprehensive loan proposals and presentations to clients, ensuring clarity and transparency in all loan terms.
- Provide regular updates to clients, keeping them informed throughout the loan process and addressing any concerns or questions.
- Stay current with industry trends, regulatory changes, and loan program updates to provide accurate and up-to-date information to clients.
Courtesy Mortgage Company San Diego, CA
Sr. Loan Officer
10.2019 - 03.2023
Job overview
- Assisted clients in obtaining mortgage loans for residential properties, analyzing financial information and credit reports to determine loan eligibility.
- Built and maintained a strong referral network of real estate professionals, resulting in a consistent flow of qualified leads.
- Negotiated pricing and terms with clients to close sales and secure new business
- Prospected and qualified leads through various channels, including referrals, cold calling, and networking events
- Maintained accurate records of sales activities and client interactions in CRM software.
- Consistently achieved monthly and quarterly sales targets, earning recognition as a top producer.
Mortgage Alliance GroupSan Diego, 92108
Sr. Loan Officer
11.2009 - 10.2019
Job overview
- Processed challenging loan applications for first-time borrowers, self-employed applicants and borrowers with problematic credit histories.
- Monitored performance of current portfolio of specialty loans to determine if changes should be implemented.
- Created alliances and built relationships with over 15 financial institutions and real estate-related professionals in B2B and B2C.
- Managed continuous pipeline of over 5 loans, totaling average of $2,500,000 in financing
- Built referral business by meeting with local financial planning, home builders and real estate professionals.
- Managed pipeline for originated loans through closing and complete required management reports.
- Researched investor guidelines and kept up to date on program changes that affected loan processing or origination.
MD Mortgage GroupSan Diego, CA
Loan Officer
01.2004 - 08.2007
Job overview
- Developed and maintained relationships with local real estate agents.
- Met with applicants to obtain information for loan applications and answer questions about loan process.
- Helped clients fill out loan applications and find ideal loan options.
- Gathered client debt, credit and income information to determine loan eligibility.
- Informed customers of application deadlines, approvals and denials.
- Educated customers regarding actions and strategies for debt repayment.
- Verified applicant information by consulting with outside agencies, credit bureaus and businesses.
- Identified lending risks and implemented strategies to reduce loan defaults.
Education
San Diego State UniversitySan Diego, CA
Bachelor of Science from Business Administration
08.2002
University Overview
- 2000 - Dean's List
- 3.8 GPA
- Graduated summa cum laude
Skills
- Proven track record of consistently exceeding sales targets, driving revenue growth, and building long-term client relationships
- Strong communication, interpersonal, and negotiation skills, with a demonstrated ability to influence and persuade diverse clients
- Exceptional problem-solving abilities, adept at analyzing complex situations and providing effective solutions
- Detail-oriented and organized, with a high level of accuracy and attention to documentation and compliance
- Ability to thrive in a fast-paced, target-driven environment, while maintaining a customer-centric approach
References
References
References: Available upon requestLanguages
Spanish
Full Professional
Portuguese
Native/ Bilingual
Timeline
VP of Residential Lending
Lineage Lending
03.2023 - Current
Sr. Loan Officer
Courtesy Mortgage Company
10.2019 - 03.2023
Sr. Loan Officer
Mortgage Alliance Group
11.2009 - 10.2019
Loan Officer
MD Mortgage Group
01.2004 - 08.2007
San Diego State University
Bachelor of Science from Business Administration
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