JANELLE LOMELI
Chula Vista,CA
Summary
Client-focused professional with 20+ years in customer service and sales, including 10 years in direct consumer sales and 10 years in indirect sales. Experienced in mortgage processes, including asset and credit evaluations. Committed to continuous learning and team success in new environments.
Overview
1
1
Certification
12
12
years of professional experience
Work History
INVESTMENT ADVISOR
Empower
Chula Vista
09.2026 - 10.2026
SENIOR MORTGAGE LOAN OFFICER
CrossCountry Mortgage
Oceanside, CA
03.2026 - 09.2026
- Managed complete residential mortgage lending process, assisting clients from initial consultation and pre-qualification through loan closing. Evaluated borrowers' financial profiles, analyzed credit, income, assets, and debt-to-income ratios to recommend suitable loan products that meet client needs. Originate and structure Conventional, FHA, VA, USDA, and Jumbo loans while ensuring compliance with federal, state, and investor guidelines.
- Built and maintained strong relationships with borrowers, real estate agents, builders, and referral partners. Collaborated with processors, underwriters, and closing teams to resolve issues, streamline transactions, and ensure timely closings, contributing to high customer satisfaction and adherence to regulatory compliance.
- Originated residential mortgage loans for CrossCountry Mortgage borrowers.
- Guided clients through loan programs, rates, and closing steps.
- Reviewed applications and supporting documents for completeness and accuracy.
SENIOR MORTGAGE LOAN OFFICER
Wintrust Mortgage dba Veterans First Mortgage
San Diego, CA
10.2017 - 03.2026
- Evaluated clients' financial information to determine mortgage eligibility and recommend tailored loan products, guiding borrowers through the entire mortgage process from pre-qualification to closing while ensuring compliance with regulations and company policies.
- Developed customized financing solutions and collaborated with underwriting teams for timely approvals, maintaining clear communication among clients, real estate agents, and internal departments to foster strong referral relationships.
- Guided CrossCountry Mortgage borrowers through FHA, VA, and conventional loan options.
- Originated mortgage applications and gathered income, asset, and credit documents.
- Reviewed borrower files for compliance with CrossCountry Mortgage lending guidelines.
INSIDE SALES REPRESENTATIVE
Renovate America
Escondido, CA
01.2015 - 01.2017
- Managed inbound and outbound sales activities to generate new business and meet sales goals. Built relationships with prospective and existing clients, utilized CRM software to track opportunities and follow-up, collaborated with marketing teams, and delivered exceptional customer service throughout sales process.
- Managed inbound homeowner calls for home improvement financing inquiries.
- Qualified leads using HERO program eligibility guidelines.
- Explained loan options and payment plans to prospective customers.
Education
Cosmetology License - Cosmetology
Paul Mitchell The School
San Diego, CASkills
- Investment Strategy Development
- Investment Product Knowledge
- Credit Analysis & Financial Assessment
- Portfolio Risk Management
- Financial Strategy Formulation
- Compliance & Regulatory Knowledge
- Client Relationship Management
- Negotiation & Closing
- Problem-Solving
- Office & CRM skills
- Encompass LOS
- Communication and Interpersonal Skills
- Relationship building
- Customer service
Personal Information
Title: SENIOR MORTGAGE LOAN OFFICER
Certification
- Mortgage loan licensing
- Cosmetology license
Accomplishments
Originated and funded hundreds of loans across a variety of loan programs while consistently exceeding production goals.
Timeline
INVESTMENT ADVISOR
Empower
09.2026 - 10.2026
SENIOR MORTGAGE LOAN OFFICER
CrossCountry Mortgage
03.2026 - 09.2026
SENIOR MORTGAGE LOAN OFFICER
Wintrust Mortgage dba Veterans First Mortgage
10.2017 - 03.2026
INSIDE SALES REPRESENTATIVE
Renovate America
01.2015 - 01.2017
Cosmetology License - Cosmetology
Paul Mitchell The School