JANIE GALLEGOS
San Antonio,TX
Overview
25
25
years of professional experience
Work History
Mortgage Loan Officer Assistant
US Mortgage
09.2022 - 09.2023
- Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered.
Senior Mortgage Loan Processor- Remote
Mortgage Right
09.2021 - 09.2022
- Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
- Worked with customers via telephone to answer questions, process transactions, and resolve issues.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
Senior Mortgage Loan Processor- Remote
Texas Lending
06.2020 - 06.2021
- Processed mortgage loan applications accurately and successfully for over 25 years
- Analyzed borrower credit reports and income statements to verify accuracy
- Maintained accurate records of loan processing activities and documents in CRM system
- Handled any conditions sent from underwriting departments
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process
Senior Mortgage Processor
Amcap Mortgage Ltd Dba Gold Financial Services
03.2015 - 01.2020
- Responsible for the overall processing of FHA,Convention and VA loans including Purchases, Refinances and Construction Loans.
- Responsible for reviewing borrower's credit file including but not limited to the following documents credit report, income documentation,and banking statements, reviewing property appraisals, and title insurance information to prepare loan for underwriting review.
- Responsible for ensuring compliance with company policies, underwriting guidelines and lending- program requirements.
Customer Relationship Manager III/ Loan Servicing Specialist III
Bank of America
02.2011 - 11.2014
- Provide support to customers facing financial hardship in order to assist them with their loan modification process by reviewing and verify borrowers' income, credit reports, employment histories, title insurance information to prepare loan applications for underwriting review.
- Ensure compliance with company policies, while adhering to FHA/ Conventional/ VA/ SFO/ HFI underwriting guidelines and lending- program requirements.
- Entrusted to handle complaints escalated to the Office of the President.
Senior Mortgage Processor
Cornerstone Mortgage Company
08.2007 - 02.2011
- Provide support to Loan Officer and Underwriting teams by ensuring the timely, judicious and accurate processing of mortgages.
- Review and verify borrower's income, credit reports, employment histories, property appraisals, and title insurance information to prepare loan application for underwriting review.
- Ensure compliance with company policies, underwriting guidelines and lending- program requirements.
Education
Some College (No Degree) - Small Business Management
University of The Incarnate Word
San Antonio, TXSome College (No Degree) - Small Business Management
Our Lady of The Lake University
San Antonio, TXSome College (No Degree) - Child Development
San Antonio College
San Antonio, TXSan Antonio College San Antonio, TX, USA GED/Certified Medical Assistant , Medical Asst/ Business and Clerical - undefined
Guthrie Job Corps
Guthrie, OK1983
Skills
- Exceptional customer service skills
- Analytical thinking
- Able to work well under pressure
- Time management with attention to detail
- Work well independently or with others
- Processing procedures
- Encompass Software Proficiency
- Multitasking Abilities
Timeline
Mortgage Loan Officer Assistant
US Mortgage
09.2022 - 09.2023
Senior Mortgage Loan Processor- Remote
Mortgage Right
09.2021 - 09.2022
Senior Mortgage Loan Processor- Remote
Texas Lending
06.2020 - 06.2021
Senior Mortgage Processor
Amcap Mortgage Ltd Dba Gold Financial Services
03.2015 - 01.2020
Customer Relationship Manager III/ Loan Servicing Specialist III
Bank of America
02.2011 - 11.2014
Senior Mortgage Processor
Cornerstone Mortgage Company
08.2007 - 02.2011
Some College (No Degree) - Small Business Management
University of The Incarnate Word
Some College (No Degree) - Small Business Management
Our Lady of The Lake University
Some College (No Degree) - Child Development
San Antonio College
San Antonio College San Antonio, TX, USA GED/Certified Medical Assistant , Medical Asst/ Business and Clerical - undefined
Guthrie Job Corps
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