Summary
Overview
Work History
Education
Skills
Languages
Timeline
Generic

Irma Espinoza

Moreno Valley,CA

Summary

Hardworking and passionate job seeker with strong organizational skills eager to secure a position as Customer Care Advisor. Leveraging core competencies in Customer Service, Sales, Meticulous Attention to detail and Self-Starter. Ready to help team achieve company goals by utilizing interpersonal skills and excellent time management and problem-solving skills .

Overview

20
20
years of professional experience

Work History

Residential Mortgage Loan Officer

National One Mortgage
07.2019 - Current
  • As a Licensed Mortgage Loan Officer with 15+ of experience I initiate the Mortgage Process for potential clients, preparing, analyzing, and verifying mortgage loan applications for the purchase or refinance of real estate.
  • Collaborated with real estate agents, appraisers, title companies and other professionals to expedite loan approval process.
  • Understanding clients needs and providing the ultimate of customer service to help them decide on the right loan for their needs and financial solutions.
  • Maintained in-depth knowledge of mortgage products and guidelines to provide accurate information to clients.
  • Ambitious and dedicated to building excellent client relationships.
  • Followed up with clients on missing loan documents, providing guidance on best way to complete application process.

Real Estate Agent

National Realty Group
07.2019 - Current
  • As a Real Estate Agent I leveraged market knowledge and analysis to provide guidance, current trends, pricing strategies and advice on best options for clients.
  • Negotiating between buyers and sellers, educating them on all aspects of the housing market and property sales process.
  • Skilled communicator who builds positive relationships, exceptional customer service and eager to apply my knowledge of Marketing and contribute to the success of a dynamic real estate firm.
  • Enhanced client experience by offering personalized consultations tailored to individual needs and preferences.
  • Streamlined communication between all parties involved in transactions, ensuring smooth closings and satisfied clients.

Mortgage Loan Officer

Mountain West Financial
04.2013 - 06.2019
  • Analyzed loan Applications and credit reports to determine loan eligibility and risk level.
  • Working as a direct lender accelerated the loan approval process. Streamlined the Loan application process for improved customer satisfaction and a higher volume of closed loans.
  • Researched and updated industry knowledge on changing mortgage guidelines.
  • Proactively identified solutions for customers experiencing credit issues, provided support and follow up on their improvement.
  • Customized marketing materials aimed at attracting potential mortgage applicants with specific target markets.
  • Identified opportunities to upsell loan products to customers.
  • Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.

Mortgage Loan Processor

Valley View Financial Service
03.2004 - 11.2010
  • Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
  • Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
  • Prepared file for final clear-to-close by branch management.
  • Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
  • Improved overall organizational efficiency by maintaining accurate electronic files of all mortgage-related documents within company databases.
  • Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
  • Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
  • Enhanced client satisfaction by providing timely updates on their mortgage loan status and addressing concerns promptly.

Education

Associate of Arts - Accounting

Rancho Santiago College
Santa Ana, CA

Skills

  • Decision-Making
  • Customer Service
  • Attention to Detail
  • Active Listening and Learning
  • Oral and Written Comprehension
  • Confident
  • Work Ethic
  • Relationship selling
  • Microsoft Office
  • Bilingual
  • Multitasker
  • Strong Follow Up Skills

Languages

Spanish
Native or Bilingual

Timeline

Residential Mortgage Loan Officer

National One Mortgage
07.2019 - Current

Real Estate Agent

National Realty Group
07.2019 - Current

Mortgage Loan Officer

Mountain West Financial
04.2013 - 06.2019

Mortgage Loan Processor

Valley View Financial Service
03.2004 - 11.2010

Associate of Arts - Accounting

Rancho Santiago College

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Irma Espinoza