James Canepa
Ontario,CA
Summary
Detail-oriented mortgage loan officer with 7 years of mortgage experience. Extensive knowledge of pricing and underwriting. Highly proficient in networking and advising clients. Committed job-seeker searching for a company to invest into and grow professionally.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Loan Officer
Xpert Home Lending
Ontario
2024.05 - Current
- Analyzed financial data to determine the feasibility of granting loans.
- Working knowledge of underwriting requirements for different programs and loans.
- Developed and maintained relationships with potential customers to increase loan business.
- Reviewed credit histories, income statements, and other financial information of loan applicants.
- Interacted with underwriters, appraisers, title companies during the processing of a loan application.
- Responded promptly to customer inquiries, promoting a positive client experience.
Loan Officer Assistant
Lower, LLC
Ontario , CA
2023.02 - 2024.05
- Assisted loan officers with the preparation of loan documents and closing packages.
- Conducted credit checks, verified income and employment information.
- Input data into loan origination system accurately and timely.
- Monitored loan applications for completeness and accuracy.
- Verified accuracy of all calculations related to mortgage payments, interest rates, taxes, insurance premiums.
- Coordinated closings with title companies or attorneys when necessary.
- Tracked regulatory changes that might affect lending practices or policies.
Sales Manager
Premier Mortgage Resources
Phoenix , AZ
2022.08 - 2023.02
- Tracked monthly sales to generate reports for business development planning.
- Developed sales plans, goals, strategies and objectives to achieve team goals and revenue objectives.
- Coached team of loan officers in mortgage processes and requirements.
- Created and maintained sales environment to support business objectives.
- Maintained professional network of potential clients and business opportunities.
Loan Officer Assistant
The Mortgage Guys
Rancho Cucamonga , CA
2022.02 - 2022.08
- Performed administrative tasks such as creating status reports on loans and printing daily mortgage rate sheets.
- Analyzed loan files and reviewed loan details.
- Ordered, prepared and verified documents necessary for loan to close in compliance on time.
- Set and confirmed appointments with clients and realtor
- Liaised between borrowers and realtors, title companies and loan company management.
Loan Officer
Secure One Capital
Costa Mesa , CA
2021.10 - 2022.01
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Performed daily maintenance of loan applicant database.
- Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
- Spent ample time with each applicant to break down complex information into terms that easy to understand.
Loan Officer
Network Capital
Irvine , CA
2021.01 - 2021.05
- Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
- Resolved concerns and answered questions for parties involved with each transaction to promote successful outcomes.
- Managed customer expectations by clarifying needs, identifying options, and recommending products and services.
- Answered, screened, and processed high volume of calls daily with call management system and web-based communications.
Loan Officer Assistant
Summit Funding Inc
Moreno Valley , CA
2019.04 - 2020.06
- Met with borrowers, took applications, distributed disclosures, ordered and reviewed title commitments.
- Ordered, prepared and verified documents necessary for loan to close in compliance.
- Coordinated closings with title companies or attorneys when necessary.
- Maintained a database of current lenders' products and services in order to best meet customer needs.
Wire Desk Manager
Newfi LLC
Emeryville , CA
2016.06 - 2018.10
- Assisted post-closing processes with mortgage loans.
- Assisted Processing Manager in ensuring loans were funded promptly.
- Worked closely with Warehouse Banks and Escrow offices to ensure funds were delegated as needed.
- Collected documents from clients in a timely manner for processing.
Education
High School Diploma -
Eleanor Roosevelt High School
Corona, CA06.2013
Skills
- Customer service-focused
- Real Estate & Mortgages
- Verbal & written communication
- Financial Assessment
- Time management
- Documentation Review
- Underwriting expertise
Certification
NMLS #1580221, CA & AZ, Issued Dec 2018
Timeline
Loan Officer
Xpert Home Lending
2024.05 - Current
Loan Officer Assistant
Lower, LLC
2023.02 - 2024.05
Sales Manager
Premier Mortgage Resources
2022.08 - 2023.02
Loan Officer Assistant
The Mortgage Guys
2022.02 - 2022.08
Loan Officer
Secure One Capital
2021.10 - 2022.01
Loan Officer
Network Capital
2021.01 - 2021.05
Loan Officer Assistant
Summit Funding Inc
2019.04 - 2020.06
Wire Desk Manager
Newfi LLC
2016.06 - 2018.10
High School Diploma -
Eleanor Roosevelt High School
NMLS #1580221, CA & AZ, Issued Dec 2018
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