Financial
Frank Renteria Jr.
Lyft
Glendale,AZ
11
years of professional experience
Dynamic professional with extensive experience in call center operations and the mortgage industry, specializing in loan origination, processing, and underwriting. Currently licensed as a mortgage loan officer in multiple states (NMLS# 961809), with a strong background in loss mitigation and over 20 years of expertise in credit collection across diverse sectors. Proven ability to excel in team environments while leveraging advanced computer skills and marketing acumen to achieve outstanding results. Committed to delivering exceptional service and driving operational efficiency within the financial services landscape.
Work History
Customer Service/ Driver
1 Year 2 Months- Provided support to customers with various issues and helped them reach their destinations while delivering excellent customer service.
- Delivered exceptional customer service, ensuring passenger satisfaction and safety during rides.
- Navigated efficiently, optimizing routes to minimize wait times and enhance overall ride experience.
- Maintained vehicle cleanliness and functionality, adhering to company standards for safety compliance.
Licensed Mortgage Loan Officer
7 Months- Working remotely originating FHA, Conventional, VA, and Purchase loans, along with Cash out plus Rate and Term refinancing loans, home equity lines of credit, home equity closed end 2nd mortgage loans, and Bank Statement loans as well. Connecting with Borrowers and Realtors, marketing, doing presentations, calling, texting, and emailing leads, taking applications, pricing loans, getting complete income documents, collecting appraisal fees along with credit report fees, evaluating appraisals, checking comparables on properties, checking for any safety issues on appraisals Licensed in Arizona, California, Washington, Colorado, Maine, Louisiana, Alabama, Indiana, Iowa, and Oklahoma at this time. Leads were provided and self-generated. Processed my loans using Octane and CRM systems while also using Outlook and Microsoft Office apps at the same time.
- Facilitated mortgage application processes, ensuring compliance with regulatory requirements and company policies.
- Analyzed client financial situations to recommend appropriate loan products tailored to individual needs.
- Coordinated with underwriters to expedite loan approvals and resolve any issues during processing stages.
Licensed Mortgage Loan Officer
5 Months- Working remotely originating FHA, Conventional and VA loans, along with Cash out plus Rate and Term refinancing loans, home equity lines of credit, home equity closed end 2nd mortgage loans, and Bank Statement loans as well. Connecting with Borrowers and Realtors, marketing, doing presentations, calling, texting, and emailing leads, taking applications, pricing loans, getting complete income documents, collecting appraisal fees along with credit report fees, evaluating appraisals, checking comparables on properties, checking for any safety issues on appraisals Licensed in Arizona, California, Washington, Colorado, Maine, Louisiana, Alabama, Indiana, Iowa, and Oklahoma at this time. Leads were provided and self-generated my own loans as well. Processed loans using Mello and CRM systems while also using Outlook and Microsoft Office apps at the same time.
- Facilitated mortgage application processes, ensuring compliance with regulatory requirements and company policies.
- Analyzed client financial situations to recommend appropriate loan products tailored to individual needs.
- Coordinated with underwriters to expedite loan approvals and resolve any issues during processing stages.
Customer Service/ Driver
1 Year 10 Months- Provided support to customers with various issues and helped them reach their destinations while delivering excellent customer service.
- Delivered exceptional customer service, ensuring passenger satisfaction and safety during rides.
- Navigated efficiently, optimizing routes to minimize wait times and enhance overall ride experience.
- Maintained vehicle cleanliness and functionality, adhering to company standards for safety compliance.
Credit Analyst
6 Months- Assisted sales representatives, drivers, and businesses in maintaining accurate account records.
- Working permanently remote processing payments, providing invoices, suspending and unsuspending accounts, sending out weekly and monthly reports through excel spreadsheets to all management in 4 regions and over 50 sales representatives and many businesses that I had assigned to me.
- I crunched numbers and cleaned up accounts using adage, excel, OnBase, form viewer, Dax plus Dax 365 systems, Microsoft outlook, excel, word, and powerpoint as well.
- Resolved account issues through email communication, ensuring timely fixes throughout the day.
Loss Mitigation/ Default Resolution Specialist
9 Months- Helping borrowers stay in their homes through processing repayment plans, forbearances, deferments, loan modifications, short sales, or deeds in lieu.
- Working remotely on a dialer system helping borrowers figure out their best resolution for their financial hardships while maintaining great numbers on a dialer system which includes after call work, call quality, along with other matrix goals as well.
- Managed default resolution processes to ensure compliance with regulatory requirements.
- Analyzed borrower accounts to develop tailored repayment solutions and communication strategies.
- Collaborated with cross-functional teams to streamline workflows for improved efficiency in resolutions.
Customer Service/ Driver
2 Years 4 Months- Provided support to customers with various issues and helped them reach their destinations while delivering excellent customer service.
- Delivered exceptional customer service, ensuring passenger satisfaction and safety during rides.
- Navigated efficiently, optimizing routes to minimize wait times and enhance overall ride experience.
- Maintained vehicle cleanliness and functionality, adhering to company standards for safety compliance.
Collector
2 Years 8 Months- Collected past due corporate, small business, and personal credit card accounts.
- Working and maintaining own own files manually, also on a dialer system, collecting past due amounts to bring accounts current, skip tracing, working out plus processing hardship arrangements with consumers, decided on one-time charges and incremental spend amounts, checked credit, and negotiated settlements.
- Managed advanced collections processes for corporate accounts.
Education
High School Diploma
Skills
Customer relationship management
Client financial analysis
Problem-solving
Negotiation skills
Organizational management
Workplace safety awareness
Conflict resolution techniques
Customer relationship management
Accomplishments
My resume only goes back several years but I have over 7 years of experience as mortgage loan originator. I have
Timeline
Customer Service/ Driver
Lyft
06.2025 - CurrentRead More
Licensed Mortgage Loan Officer
Cardinal Financial
10.2024 - 05.2025Read More
Licensed Mortgage Loan Officer
Loan Depot
04.2024 - 09.2024Read More
Customer Service/ Driver
Lyft
06.2022 - 04.2024Read More
Credit Analyst
Shamrock foods
12.2021 - 06.2022Read More
Loss Mitigation/ Default Resolution Specialist
Cenlar FSB
12.2020 - 09.2021Read More
Customer Service/ Driver
Lyft
08.2018 - 12.2020Read More
Collector
American Express
12.2015 - 08.2018Read More
Arizona Department of Education
High School Diploma
Read More