Summary
Overview
Work History
Education
Skills
Timeline
Quote
Software
Affiliations
BusinessAnalyst
Isabela Montalvo

Isabela Montalvo

Senior Mortgage Banker
Scottsdale,AZ

Summary

Isabela Montalvo is an accomplished Senior Mortgage Banker at Rocket Mortgage, skilled in loan origination, sales strategy development, and team productivity enhancement. She has held positions at Rocket Mortgage, Cardinal Financial Corp, and Wells Fargo & Company, showcasing a strong background in mortgage banking and underwriting.

Her expertise includes loan origination, sales strategy, conflict resolution, relationship management, underwriting, risk management, and financial analysis.

Isabela holds a Bachelor of Science from John Carroll University and pending a Master of Science from the University of Phoenix. She also attended the Arizona School of Real Estate and Business.

Overview

12
12
years of professional experience

Work History

Senior Mortgage Banker

Rocket Mortgage
11.2019 - Current
  • S.A.F.E registered NMLS #1047136S 18 active state licenses
  • DU, LP, FHA, VA, Jumbo- Conforming and Non-Conforming.
  • Extraordinary work ethic in remote position to meet personal and company expectations.
  • Consistently met or exceeded established sales goals by developing a strong referral network with real estate professionals and past clients.
  • Proactively identified solutions for customers experiencing credit issues.
  • Negotiated loan terms and conditions with customers to secure best deal.
  • Managed pipeline efficiently to meet strict deadlines for loan applications, underwriting, and funding.

Senior Mortgage Loan Officer

Cardinal Financial Corp
06.2018 - 10.2019
  • Increased loan production by developing and maintaining strong relationships with realtors, builders, and other referral sources.
  • Regularly reviewed and updated loan pricing to maintain competitiveness in the marketplace and maximize profitability for the company.
  • Delivered engaging presentations at homebuyer seminars to educate potential clients on the home buying process and available financing options.
  • Prepared comprehensive loan files that included detailed documentation needed for underwriting approval.

Mortgage Underwriter

Wells Fargo & Company
03.2013 - 09.2016
  • Approved or denied loans based on established criteria and underwriting guidelines.
  • Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

Education

Bachelor of Science -

John Carroll University
Cleveland, OH

Master of Science -

University of Phoenix
Tempe, AZ

Arizona School of Real Estate And Business
Scottsdale, AZ

Skills

  • Loan origination expertise
  • Goal-oriented mindset
  • Sales strategy development
  • Conflict resolution techniques
  • Relationship Management
  • Networking capabilities
  • Refinancing Strategies
  • Underwriting proficiency
  • Risk Management Aptitude
  • Document analysis
  • Negotiation Tactics
  • Financial Analysis

Timeline

Senior Mortgage Banker

Rocket Mortgage
11.2019 - Current

Senior Mortgage Loan Officer

Cardinal Financial Corp
06.2018 - 10.2019

Mortgage Underwriter

Wells Fargo & Company
03.2013 - 09.2016

Bachelor of Science -

John Carroll University

Master of Science -

University of Phoenix

Arizona School of Real Estate And Business

Quote

There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins

Software

Our House, Sales Force, Excell, Word, Octane

Affiliations

  • Court Appointed Special Advocate

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Isabela MontalvoSenior Mortgage Banker