Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Languages
Software knowledge
Timeline
Generic

Jeanette Lory

Irvine,CA

Summary

Excellent communicator and dependable team player with strong understanding of mortgage and insurance industry. Adept at building relationships with clients, brokers and other stakeholders while delivering outstanding service. Highly organized and detail-oriented with strong ability to identify potential risks and develop solutions.

Overview

20
20
years of professional experience
1
1
Certification

Work History

Insurance Agent

AAA of Southern California
10.2022 - Current
  • Sought out new clients and developed client relationships through networking, direct referrals, lead databases, and cold calling. By placing average of 50 calls per day able to increase sales by 20%.
  • Generated quotes and proposals for clients to match individual needs
  • Recommended type and amount of coverage based on analysis of customers' circumstances using persuasive sales techniques.
  • Educated clients on insurance policies and procedures
  • Finalized sales and collected necessary deposits
  • Monitored customer feedback and identified areas of improvement
  • Developed and implemented promotional strategies to increase customer base

Senior Loan Processor

Carrington Mortgage Services
01.2019 - 07.2022
  • Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information
  • Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants
  • Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues
  • Prepared documents for underwriting by verifying client income, credit reports, and other information
  • Handled any conditions sent from underwriting departments
  • Evaluated approvals against established bank and government lending standards
  • Coordinated closing process with attorneys, title companies, and government clerks

Senior Loan Officer

Cardinal Financial
05.2017 - 12.2018
  • Developed strong relationships with customers through high levels of customer service.
  • Assisted customers in understanding loan terms and conditions to make informed decisions.
  • Collaborated with other departments to promptly process loan applications.
  • Developed systems to efficiently track loan documents and enhance accuracy.
  • Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
  • Developed and maintained relationships with customers, lenders and other third parties.

Senior Loan Processor

First Cal Mortgage
04.2014 - 04.2017
  • Worked on both purchase and refinance loans from pre approval to loan closing.
  • Ran preliminary underwriting with DU/LP, ordered flood, fraud, appraisal, title and escrow
  • Prepared and submitted to borrowers initial and final disclosures.
  • Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants
  • Played integral role in closely working with title to prepare subordinations and any lien releases for encumbrances
  • Calculated self employed income from business tax returns and worked with CPA's to obtain validations.
  • Handled any conditions sent from underwriting departments
  • Evaluated approvals against established bank and government lending standards
  • Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws

Mortgage Loan Officer

Chase Bank
03.2010 - 04.2014
  • Analyzed loan applications and credit reports to determine loan eligibility and risk level.
  • Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
  • Negotiated loan terms and conditions with clients to maximize profitability.
  • Explained very technical financial information to applicants in easy to understand language.
  • Monitored pipelines to track and log status of loans.
  • Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
  • Participated in industry events and conferences to build relationships and gain market intelligence

Senior Accounting Clerk

Wells Fargo Bank, N.A.
01.2004 - 03.2010
  • Prepared bank deposits, general ledger postings and statements.
  • Maintained clean and organized files by keeping accounts payable records up-to-date.
  • Processed payments and documents such as invoices, journal vouchers, employee reimbursements, and statements.
  • Checked general ledger entries to increase accuracy, prevent significant errors and identify adjustments.
  • Completed financial reports, providing insight into performance, operations and cash flow.
  • Recorded deposits, reconciled monthly bank accounts and tracked expenses.
  • Matched purchase orders with invoices and recorded necessary information.
  • Managed and responded to correspondence and inquiries from customers and vendors.
  • Strengthened financial operations by conducting bank reconciliations and financial reporting.

Education

Bachelors - Business Administration

Arizona State University
Tempe, AZ
2014

Skills

  • Client needs analysis
  • Excellent Communication
  • Problem-Solving
  • Attention to Detail
  • Organization and Time Management
  • Financial analysis aptitude

Accomplishments

  • Supervised team of fourteen staff members. Elected by peers to be team lead.
  • Documented and resolved issues obtaining timely title, appraisal and HOI orders which led to faster close of escrows, from four weeks down to three.


Certification

  • Licensed Property and Casualty Producer - October 2022.
  • Licensed Mortgage Loan Officer - January 2017.

Languages

Spanish
Native or Bilingual

Software knowledge

Accounting Software: SAP, Peachtree, Quickbooks, MAS90, AS400, and Microsoft 360.
Mortgage Software: Encompass, Point, Blend, Velocify, Lending Pad, and Salesforce.

insurance Software; EZLynx, Guidewire Insurance suite, CLUE, Lexis Nexis.

Timeline

Insurance Agent

AAA of Southern California
10.2022 - Current

Senior Loan Processor

Carrington Mortgage Services
01.2019 - 07.2022

Senior Loan Officer

Cardinal Financial
05.2017 - 12.2018

Senior Loan Processor

First Cal Mortgage
04.2014 - 04.2017

Mortgage Loan Officer

Chase Bank
03.2010 - 04.2014

Senior Accounting Clerk

Wells Fargo Bank, N.A.
01.2004 - 03.2010

Bachelors - Business Administration

Arizona State University

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