Gabriela gurdian
Merced,CA
Summary
Highly skilled Licensed Mortgage Loan Processor with expertise in data accuracy and mortgage product guidelines. Hardworking professional with over 23 years of processing home loans and reviewing files from start to finish. Knowledgeable in all credit procedures.
Overview
23
23
years of professional experience
1
1
Certification
Work History
Licensed Loan Processor
LeaderOne Financial Corporation
12.2023 - Current
- Knowledge of conventional, FHA, USDA, VA and CALHFA down payment assistant program guidelines
- Review AUS findings to ensure loans meet guidelines according to loan program
- Participated in continuous training initiatives, staying up-to-date on relevant regulations, policies, and best practices within the processing field.
- Prepare initial compliance disclosures, loan estimates and rate lock disclosures
- Order all 3rd party items, such as title fees and all other title documents, appraisal reports.
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
- Provided outstanding customer service by promptly addressing inquiries and resolving issues.
- Adhered to strict deadlines for processing applications, ensuring timely approvals and client satisfaction.
- Worked with customers in person and via telephone to answer questions, taking face to face application, process transactions, and resolve issues.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Set up and completed loan submission packages for TBD pre-approvals.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Promoted a positive work environment through effective communication skills and teamwork initiatives.
- Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
- Provided quick turnaround times to maintain fast-past schedule.
- Strengthened relationships with clients through consistent follow-up calls and personalized attention to their needs.
- Maintained compliance with federal, state, and company regulations through regular review of updated guidelines.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Handled any conditions sent from underwriting departments.
- Facilitated successful loan closings by coordinating with underwriters, loan officers, title companies, and realtors throughout the process.
- Processed loan applications and monitored progress from start to finish.
- Assisted customers with completing loan applications and other paperwork.
- Compiled required documentation to request closing disclosures for drafting and presentation
- Interacted regularly with peers and management to pursue continuous improvement of facility operations and promote teamwork-focused environment.
Licensed Loan Processor
American Financial Network
03.2022 - 12.2023
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Set up and completed loan submission packages.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Promoted a positive work environment through effective communication skills and teamwork initiatives.
- Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
- Handled any conditions sent from underwriting departments.
- Facilitated successful loan closings by coordinating with underwriters, loan officers, title companies, and realtors throughout the process.
- Advised loan officers to comply with loan guidelines and apply best practices.
- Processed loan applications and monitored progress from start to finish.
- Assisted customers with completing loan applications and other paperwork.
- Explained very technical financial information to applicants in easy to understand language.
- Maintained compliance with federal, state, and company regulations through regular review of updated guidelines.
Licensed Mortgage Loan Originator
Envoy Mortgage
08.2019 - 02.2022
- Reviewed complex financial documents to accurately determine borrower eligibility for mortgage loans, minimizing default risks.
- Remained up-to-date on industry regulations, guidelines, and loan program changes by attending relevant training sessions and webinars regularly.
- Maintained a comprehensive understanding of various mortgage products offered including conventional, FHA, VA, USDA loans as well as refinance options.
- Streamlined mortgage loan processing for quicker approvals through effective communication with underwriters, borrowers, and real estate agents.
- Participated in community events and networking activities to promote the company''s brand presence and generate new business leads.
- Developed strong relationships with realtors, builders, and other referral sources to grow business opportunities and expand clientele.
- Collaborated with loan processors to expedite the closing process, allowing clients to move into their homes sooner.
- Educated prospective borrowers on various loan programs available, matching them with the best financing options for their needs.
- Increased loan application approval rates by efficiently evaluating borrower creditworthiness and financial stability.
- Negotiated optimal interest rates and fees with borrowers, providing them with competitive financing solutions.
- Maintained compliance with federal and state regulations, ensuring accurate documentation and preventing potential legal issues.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Worked with underwriters to fix application problems and resolve issues.
- Explained different types of loans pertaining to client situations.
- Assisted customers with completing loan applications and other paperwork.
- Monitored pipelines to track and log status of loans.
- Explained very technical financial information to applicants in easy to understand language.
- Proactively identified solutions for customers experiencing credit issues.
- Researched and updated industry knowledge on changing legislation and regulations.
Loan Processor/Assistant
Norcal Mortgage Pros
10.2018 - 03.2019
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Set up and completed loan submission packages.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Strengthened relationships with clients through consistent follow-up calls and personalized attention to their needs.
- Maintained compliance with federal, state, and company regulations through regular review of updated guidelines.
- Utilized loan origination software to process and track loan applications.
- Monitored pipelines to track and log status of loans.
- Safeguarded sensitive information through proper documentation handling, data entry, and record maintenance procedures.
Senior Loan Processor
Fairway Independent Mortgage Corporation / Argus Lending
10.2015 - 09.2018
- Monitor the overall lending process, identify, resolve and communicate issues that could impact timely closure of loans
- Analyze loan to value and debt to income ratios, credit report, income and assets, source (s) of down payment and review supporting documentation to identify potential issues and communicate to loan officer and borrowers before submitting file to underwriting for approval
- Order and review all third party documentation, including credit check, title reports, appraisals, tax returns, verifications of employment/assets/mortgage etc
- Verify accuracy of AUS findings and programs applicability
- Update and verify accuracy of data input into loan origination system (Encompass 360)
- Review and verify documentations to stay in compliance with company standards, federal and agency regulations as well as applicable state specific and or local regulations
- Stay current with federal, state regulations, policies and industry trends
- Obtain and verify clearance of all underwriting conditions and prepare files for submission to Closing
- Submit request to closing team for initial closing disclosure (CD)
- Assist post-closing team in regard of any potential issues with loan salability
- Use and modify templates to compose professional correspondence and emails
- Coach and provide guidance to less experienced staff members
- Provide status update to loan officer, borrowers and agents throughout the life of the loan.
- Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
Senior Loan Officer
Merco Credit Union
07.2012 - 09.2015
- Consumer loans review, process, closes and administers loan proposals (installments, unsecured and mortgage loans)
- Interview applicants and request specified information for loan applications
- Request applicants credit reports, reference checks, and other information pertinent to loan applicant’s evaluation
- Approves loans within specified limits or refers loan to loan manager for approval
- Ensure loan agreements are complete and accurate according to policy
- Reviews and process CUDL loans
- Process all DMV paperwork according to DMV timelines.
Mortgage Loan Originator, LOA & Processor
World Savings & Loan
04.2001 - 02.2008
- Maintain portfolio of existing clients
- Meet with potential borrowers for loan applications
- Analyzed borrowers’ financial status, credit and property evaluations to determine feasibility of granting loans
- Obtain and compile copies of loan applicants’ credit histories, financial statements and other financial information
- Handle customer complaints and take appropriate actions to resolve them, escalate them as needed to proper channels
- Attract new mortgage loan applications by developing relationships with real estate community and making sales calls to prospective customers.
- Interacted regularly with peers and management to pursue continuous improvement of facility operations and promote teamwork-focused environment.
- Collaborated with other departments to optimize production workflows.
Education
High school Diploma -
Tennyson High school
No Degree - Continue Education Requirement
First Tuesday The California Real Estate Educators
Online11.2023
No Degree - Customer Service Management
Merced College
Merced, CA04.2015
Skills
- Bilingual – Spanish
- Financial analysis software; Encompass 360, LQB, Fannie Mae DU ePass, Calyx Point, Portico, CUDL system
- Information retrieval software: FraudGuard Check, FHA connections, VA WebLGY, California USDA Rural, CalHFA portals, Credit Plus, Frisco Lender Services, Corelogic
- Teamwork and Collaboration
- Recordkeeping proficiency
- Attention to Detail
- Banking security
- Strong written and verbal communication
- Exhibit accurate judgment calls
- Problem solving
References
- Gloria Garcia, First Choice Realty Group – Real Estate Agent, 209-499-6851
- Ernesto Cortez, LeaderOne Financial - Loan Officer, 209-285-8068
Certification
- Licensed Mortgage Loan Originator - NMLS# 1716960
Languages
Spanish
Native or Bilingual
Timeline
Licensed Loan Processor
LeaderOne Financial Corporation
12.2023 - Current
Licensed Loan Processor
American Financial Network
03.2022 - 12.2023
Licensed Mortgage Loan Originator
Envoy Mortgage
08.2019 - 02.2022
Loan Processor/Assistant
Norcal Mortgage Pros
10.2018 - 03.2019
Senior Loan Processor
Fairway Independent Mortgage Corporation / Argus Lending
10.2015 - 09.2018
Senior Loan Officer
Merco Credit Union
07.2012 - 09.2015
Mortgage Loan Originator, LOA & Processor
World Savings & Loan
04.2001 - 02.2008
High school Diploma -
Tennyson High school
No Degree - Continue Education Requirement
First Tuesday The California Real Estate Educators
No Degree - Customer Service Management
Merced College
- Licensed Mortgage Loan Originator - NMLS# 1716960
Similar Profiles
Jamey JacksonJamey Jackson
Senior Mortgage Underwriter at LeaderOne Financial CorporationSenior Mortgage Underwriter at LeaderOne Financial Corporation
Jeff AlexandreJeff Alexandre
Jr InfoSec Analyst at Leaderone Financial corporationJr InfoSec Analyst at Leaderone Financial corporation
Jeffrey BrousseauJeffrey Brousseau
Loan Officer at LeaderOne Financial CorporationLoan Officer at LeaderOne Financial Corporation