Ernesto Godoy
Odessa,United States
Summary
Detail-oriented Bilingual professional with extensive years of experience. Adept at planning and working with clients for long periods of time. Committed to accuracy and financial success. Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills. Hardworking employee with customer service, multitasking and time management abilities. Devoted to giving every customer a positive and memorable experience.
Overview
25
25
years of professional experience
Work History
Mortgage Loan Officer
First Federal Bank
Odessa, FL
08.2022 - 09.2023
- Reviewed financial data, pay stubs and credit history for borrowers to ascertain loan qualification.
- Counseled clients on home purchasing and loan process as well as on industry topics.
- Gathered client debt, credit and income information to determine loan eligibility.
- Helped clients fill out loan applications and find ideal loan options.
- Informed customers of application deadlines, approvals and denials.
- Submitted applications to credit analysts.
Mortgage Loan Officer
Paramount Mortgage Group,INC
Tampa, FL
03.2023 - 08.2023
- 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.
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
- Submitted applications to credit analysts.
Debt Collection Specialist
Zwicker & Associates P.C.
Tampa, FL
09.2022 - 03.2023
- Reviewed overdue accounts to schedule contact dates for follow-up phone calls.
- Met demands of busy collections group by performing high volume of daily calls.
- Secured payments by following up with customers which disregarded promise to pay.
- Used excellent verbal skills to engage customers in conversation and effectively determine needs and requirements.
Personal Banker
PNC Bank
Tampa, FL
05.2022 - 06.2022
- Helped customers open and close accounts, apply for loans and make sound financial decisions.
- Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
- Educated customers on variety of retail products and digital solutions, enhancing customer experience.
- Described promotional offers and used persuasive sales techniques to upsell services and convince clients to apply for additional banking services.
Loan Officer
PennyMac Financial Services
Tampa, FL
09.2021 - 04.2022
- Consult with clients about current and future needs to
help them achieve their financial goals. Advise and
educate clients on the home-buying or refinance process
and how to better manage their mortgages. Assist clients
through the loan process from application to closing.
Originate Mortgage loans via telephone sales
presentations - Submitted loan applications to underwriter for
verification and recommendations. - Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Recommended loan approvals and denials based on
customer loan application reviews
Mortgage Coordinator & Loan Officer
FBC Mortgage/RMC Joint Venture
Tampa, FL
03.2019 - 08.2021
- Gathered client debt, credit and income information to determine loan eligibility.
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
- Met with applicants to obtain information for loan applications and answer questions about loan process.
- Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information.
- Submitted applications to credit analysts.
Senior Collections Specialist
Gateway One Lending & Finance A TCF Bank Company
Tampa , Fl
10.2016 - 02.2019
- Notified customers of delinquent accounts with attempt to collect outstanding amounts.
- Remained calm, stayed professional and provided exceptional service on calls, even when interacting with difficult individuals.
- Arranged for debt repayment and established repayment schedule based on customer finances.
- Processed payments over phone and set up recurring drafts.
- Received payment and posted to appropriate customer accounts.
- Recorded and updated customer personal accounts with accurate contact information.
Recruiter Specialist
Macy's Corporate Services, Ince
Clearwater, FL
05.2016 - 09.2016
- Assisted candidates with application processes by answering questions about application, performing background checks.
- Contacted job applicants to inform of application status.
- Updated employee records for hiring, terminations, transfers and promotions.
- Assisted with recruiting functions by placing employment ads and reviewing job applications.
- Contacted all job applicants to inform them of their application status.
- Sourced, qualified and conducted screening interviews with job candidates.
Credit Card Customer Service Representative
Macys Credit And Customer Service
Clearwater, FL
09.2015 - 04.2016
- Provided customer service to cardholders by responding to inquiries, resolving complaints and providing guidance on product features.
- Processed payments, balance transfers, account updates and other transactions accurately and efficiently.
- Investigated suspected fraudulent activities and reported suspicious activity to the appropriate departments.
- Resolved escalated customer issues in a timely manner while maintaining positive relationships with customers.
- Adjusted bills and refunded money to resolve customers' service or billing complaints.
Personal Banker
Sun Trust Bank
Tampa, FL
05.2015 - 08.2015
- Helped customers open and close accounts, apply for loans and make sound financial decisions.
- Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
- Educated customers on variety of retail products and digital solutions, enhancing customer experience.
- Maintained position of trust and responsibility by keeping customer business confidential.
- Referred customers to appropriate bank personnel to meet financial needs.
Operations Manager
Elite Transportation Solutions
Tampa, FL
07.2014 - 04.2015
- Responsible for overseeing daily operations, ensuring
customer pick-ups and drop-offs were accordance with
established company safety policies and cost standards,
including the planning, assigning, supervising, and
evaluating of employee workloadManaged scheduling, training and inventory control. - Recruited, hired and trained crew members on application of projects, customer relations and customer service.
- Built strong operational teams to meet process and production demands.
Personal Banker
Wells Fargo Bank, N.A.
St. Petersburg, FL
04.2010 - 06.2014
- Helped customers open and close accounts, apply for loans and make sound financial decisions.
- Followed operational standards, promoting security, risk management and compliance.
- Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
- Educated customers on variety of retail products and digital solutions, enhancing customer experience.
- Assisted and advised customers on using online and mobile banking systems.
Client Service Associate
Raymond James Financial Services, Inc
Saint Petersburg , FL
09.2008 - 03.2010
- Researched issues and made quick decisions to achieve efficient and effective resolutions.
- Delivered high level of service to clients to both maintain and extend relationships for future business opportunities.
- Gathered information from clients for entry into computer database.
- Built sustainable client relationships built on trust by applying excellent communication and interpersonal skills.
- Reviewed and resolved client concerns and issues, researching relevant details and clearly communicating solutions.
Administrative Assistant
The Law Office Of Michael J. Moore
Saint Petersburg, FL, MN
01.2007 - 08.2008
- Provided secretarial and office management support while building cooperative working relationships.
- Inventoried and ordered supplies for office.
- Maintained accurate department and customer records.
- Prepared and prioritized calendars and correspondence.
- Organized files, developed spreadsheets, faxed reports and scanned documents, maintaining front desk and reception area in neat and organized fashion.
Loan Officer
Aames Home Loans
Saint Petersburg, Fl , FL
02.2006 - 12.2006
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Met with applicants to obtain information for loan applications and answer questions about process.
- Analyzed applicants' financial status and credit and property evaluation to determine feasibility of granting loan.
- Recommended loan approvals and denials based on customer loan application reviews.
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
Personal Banker
Bank of America
Tampa, FL
01.2004 - 01.2006
- Researched and resolved customer issues on personal savings, checking and lines of credit accounts.
- Offered every customer exceptional service levels by remaining friendly and professional during every transaction.
- Resolved problems or discrepancies concerning customers' accounts.
- Determined best offering for each customer by asking proper questions and determining current needs.
- Resolved discrepancies concerning customers' accounts, improving client satisfaction.
- Explained bank services, financial products and applicable fees to customers.
Sales and Customer Support
Home Shopping Network
Saint Petesburg, FL
04.1998 - 12.2003
- Responded quickly to customer inquiries, needs and problems.
- Consulted with customers regarding needs and addressed concerns.
- Analyzed customer complaints and service trends to identify and correct systematic issues.
- Helped customers find specific products, answered questions and offered product advice.
- Engaged customers in friendly, professional dialogue to determine needs.
- Answered incoming telephone calls to provide store, products and services information.
- Collected payments and provided accurate change.
Education
High School Diploma -
U.E Colegio San Jose
Venezuela .
Skills
Negotiation Tactics
- Customer Relations
- Referral Network Development
- Problem Solving
- Attention to Detail
- Loan Processing Coordination
- Sales Development
- Issue and Complaint Resolution
- Calm and Professional Under Pressure
- Responding to Difficult Customers
- Courteous with Strong Service Mindset
Languages
Spanish
Native/ Bilingual
Timeline
Mortgage Loan Officer
Paramount Mortgage Group,INC
03.2023 - 08.2023
Debt Collection Specialist
Zwicker & Associates P.C.
09.2022 - 03.2023
Mortgage Loan Officer
First Federal Bank
08.2022 - 09.2023
Personal Banker
PNC Bank
05.2022 - 06.2022
Loan Officer
PennyMac Financial Services
09.2021 - 04.2022
Mortgage Coordinator & Loan Officer
FBC Mortgage/RMC Joint Venture
03.2019 - 08.2021
Senior Collections Specialist
Gateway One Lending & Finance A TCF Bank Company
10.2016 - 02.2019
Recruiter Specialist
Macy's Corporate Services, Ince
05.2016 - 09.2016
Credit Card Customer Service Representative
Macys Credit And Customer Service
09.2015 - 04.2016
Personal Banker
Sun Trust Bank
05.2015 - 08.2015
Operations Manager
Elite Transportation Solutions
07.2014 - 04.2015
Personal Banker
Wells Fargo Bank, N.A.
04.2010 - 06.2014
Client Service Associate
Raymond James Financial Services, Inc
09.2008 - 03.2010
Administrative Assistant
The Law Office Of Michael J. Moore
01.2007 - 08.2008
Loan Officer
Aames Home Loans
02.2006 - 12.2006
Personal Banker
Bank of America
01.2004 - 01.2006
Sales and Customer Support
Home Shopping Network
04.1998 - 12.2003
High School Diploma -
U.E Colegio San Jose
.
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