Janelle Lomeli
Senior Mortgage Loan Originator
Chula Vista,CA
Summary
Analytical Mortgage Loan Officer with 4 & 1/2 years of experience. Deadline-oriented and mathematically adept with commitment to financial success and helping clients. Outstanding knowledge of credit, income, guidelines, and
regulations and CRM.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Senior Mortgage Loan Officer
Wintrust Mortgage
San Diego, CA
10.2017 - Current
- Explained different types of loans pertaining to client situations.
- Worked with underwriters to fix application problems and resolve issues.
- Reviewed loan files and updated to match current standards.
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Monitored pipelines to track and log status of loans.
- Explained very technical financial information to applicants in easy to understand language.
- Proactively identified solutions for customers experiencing credit issues.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Verified integrity of applicants' information to minimize fraud.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Inside Sales Specialist
Renovate America
Escondido, CA
11.2015 - 09.2017
- Created and updated customer accounts with relevant information.
- Used digital methods and traditional telephone approaches to generate sales leads.
- Collected information on sales and service issues to coordinate team-wide resolutions.
- Applied mathematical skills to calculating amounts, negotiating prices and setting up contracts.
- Developed and deepened customer relationships to drive revenue growth.
- Answered customers' questions regarding products, prices and availability.
- Managed friendly and professional customer interactions.
- Maintained up-to-date knowledge of available products to best serve customers and maximize sales potential.
- Determined needs, delivered solutions and overcame objections through consultative selling skills.
- Developed strategic relationships with existing customers by learning preferences and managing regular communications.
- Followed up with customers after completed sales to assess satisfaction and resolve technical or service concerns.
- Emphasized product features based on analysis of customers' needs.
- Used CRM software to maintain detailed contact logs and account records.
- Prospected continuously for new potential customers and maintained robust conversion rate.
Education
English
San Diego City College
San Diego, CACosmology -
Paul Mitchell The School San Diego
San Diego, CASkills
- Mortgage Loan Origination
- Financial History Analysis
- Customer Relations
- Loan File Maintenance
- Government Lending
- Sales Development
- Creditworthiness Determination
- Application Reviews
- Automated Underwriting Systems
- Credit History Review
- Government Standards
- Customer Care
- Financial Advisement
- Organizational Strengths
- NMLS Registration
- Agent Collaboration
- Detail Orientation
- Money Handling
- Home Mortgage Disclosure Act
- Active Listening and Learning
Certification
- Mortgage Loan originator License - 2017 NMLS 1659149
Timeline
Senior Mortgage Loan Officer
Wintrust Mortgage
10.2017 - Current
Inside Sales Specialist
Renovate America
11.2015 - 09.2017
English
San Diego City College
Cosmology -
Paul Mitchell The School San Diego
- Mortgage Loan originator License - 2017 NMLS 1659149
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