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Isabela Montalvo
Senior Mortgage Banker
Scottsdale,AZ
Summary
Isabela Montalvo is an accomplished Senior Mortgage Banker at Cardinal Financial skilled in loan origination, sales strategy development, and team productivity enhancement. She has held positions at Rocket Mortgage, Chase 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.
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.
She is licensed all across the country and works remotely from her home in Chagrin Falls, Ohio. She love her French Bulldog "bocelli", yoga, meeting new people and spending time with family and friends when she is not working up the perfect loan for her clients.
Overview
13
13
years of professional experience
Work History
Senior Mortgage Loan Officer
Cardinal Financial
Remote- Chagrin Falls, Ohio
02.2026 - Current
- Guided clients through mortgage application processes, ensuring compliance with regulations and policies.
- Developed tailored loan solutions to meet client financial needs, improving customer satisfaction.
- Analyzed financial documents to assess borrower eligibility and risk factors for mortgage approvals.
- Mentored junior loan officers, enhancing team performance and knowledge of industry best practices.
Senior Mortgage Banker
Rocket Mortgage
Remote - Phoenix Arizona Corporate Office
11.2019 - 11.2024
- 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
Scottsdale, AZ
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
Tempe, AZ
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, OHMaster of Science -
University of Phoenix
Tempe, AZArizona School of Real Estate And Business
Scottsdale, AZSkills
- 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 Loan Officer
Cardinal Financial
02.2026 - Current
Senior Mortgage Banker
Rocket Mortgage
11.2019 - 11.2024
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
Affiliations
- Court Appointed Special Advocate