Gia Gallardo
San Diego,CA
Summary
Experienced mortgage professional with exceptional communication, organizational, and problem-solving skills. Seeking new opportunities to maximize sales through consultative business relationships.
Overview
14
14
years of professional experience
Work History
Patient Access Representative
Sharp Healthcare
11.2022 - Current
- Efficiently handling patient identification and armband during registration.
- Demonstrated expertise in insurance verification, registration, and medical terminology.
- Obtained and managed medical records and patient demographics
- Collected payments in accordance with insurance policies
- Interacted with patients and visitors professionally, demonstrating excellent customer service skills.
Senior Loan Processor
Allied Pacific Financial
07.2020 - 03.2022
- Exclusive processor to top producing broker handling over 80 plus files monthly
- Submitted clean and complete loan packages to a variety of online lenders
- Opened escrow to ensure smooth and fast closings
- Ordered and reviewed preliminary title reports, property appraisals, and completed necessary tasks to ensure timely completion.
- Analyzed income documentation including pay stubs, W2s, tax returns, bank statements. to determine borrower's ability to repay the loan
- Delivered exceptional customer service to all clients, underwriters, and vendors
Loan Processor II
San Diego County Credit Union
10.2018 - 07.2020
- Focused on fixed seconds and home equity lines of credit exclusively
- Evaluated loan documentation for accuracy, completeness, and compliance
- Reviewed financial statements and calculated qualifying income as well as credit reports and other supporting documentation
- Submitted loan applications to underwriting department for review and approval process.
- Collaborated with underwriters to resolve any discrepancies in applicant's financial profile or documentation issues.
- Updated customers regularly on status of their loans throughout the processing period.
Senior Loan Processor III
Loan Depot
07.2016 - 02.2018
- Submitted clean loan approvals to underwriting
- Reviewed documentation for conventional, jumbo, purchase loans, FHA and VA.
- Collaborated with sales team to ensure effective file closure
- Created and maintained multiple pipeline reports to ensure timely closure of loans before lock and credit documentation expiration dates.
- Analyzed income documentation including pay stubs, W2s, tax returns, bank statements. to determine borrower's ability to repay the loan
Senior Loan Processor
Wells Fargo Home Mortgage
06.2015 - 07.2016
- Analysis of loan approval documentation on conventional, jumbo, purchase loans, as well as FHA and VA
- Monitored progress of loans throughout the entire origination process from pre-qualification through post-closing activities
- Analyzed income documentation including pay stubs, W2s, tax returns, bank statements. to determine borrower's ability to repay the loan.
- Complete several pipeline reports to insure loans closed prior to lock and credit doc expirations dates
Senior Loan Coordinator
Wells Fargo Home Mortgage
02.2011 - 06.2015
- Worked as a member of the private mortgage banking division
- Analyzed and coordinated loan approval documentation for conventional, jumbo, and purchase loans
- Collaborated with sales executives to ensure proper closing of files
- Responsible for ensuring loans were closed appropriately
- Confirmed loans closed prior to lock and credit documentation expiry dates
- Consistently delivered exceptional customer service
Education
Political Science -
California State San Bernardino
Skills
- Outstanding customer service
- Proficient at multi-tasking and organizational development
- Superior analytical and problem-solving aptitude
- Goal-oriented team player
- Exemplary work ethic
- Unparalleled sales, marketing, and underwriting experience
- Proficient with Windows, Microsoft Word, Excel, Outlook
Skillsummary
- Outstanding customer service
- Proficient at multi-tasking and organizational development
- Superior analytical and problem-solving aptitude
- Goal-oriented team player
- Exemplary work ethic
- Unparalleled sales, marketing, and underwriting experience
- Proficient with Windows, Microsoft Word, Excel, Outlook.
Timeline
Patient Access Representative
Sharp Healthcare
11.2022 - Current
Senior Loan Processor
Allied Pacific Financial
07.2020 - 03.2022
Loan Processor II
San Diego County Credit Union
10.2018 - 07.2020
Senior Loan Processor III
Loan Depot
07.2016 - 02.2018
Senior Loan Processor
Wells Fargo Home Mortgage
06.2015 - 07.2016
Senior Loan Coordinator
Wells Fargo Home Mortgage
02.2011 - 06.2015
Political Science -
California State San Bernardino
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