Jesseca Hendricks
West Sacramento,CA
Summary
Dedicated Loan Officer with 20 years of hands-on experience evaluating and authorizing various loans. Dependable professional polished in assembling loan packages, initiating loan applications and analyzing loan programs to match borrower's profile. Communicative team player with in-depth knowledge of banking products and associated services.
Overview
20
20
years of professional experience
Work History
Loan Officer
Canopy Mortgage LLC
Sacramento, CA
09.2022 - Current
- Maintained strong knowledge base of lending regulations, best practices and industry trends.
- Evaluated all relevant documents associated with each loan application prior to submission for approval.
- Presented complex financial concepts in an easy-to-understand manner for customers who have limited understanding of banking terminology.
Loan Officer
Cross Country Mortgage
Sacramento, CA
07.2022 - 09.2022
- 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.
- Explained various types of loans available to customers and their associated terms and conditions.
Loan Officer
Fairway Independent Mortgage
Sacramento, CA
06.2020 - 06.2022
- Provided guidance to customers regarding loan products, eligibility requirements, application processes, documentation requirements.
- Maintained strong knowledge base of lending regulations, best practices and industry trends.
- Performed ongoing analysis of customer needs in order to develop tailored solutions that meet their objectives.
Loan Officer
Big Valley Mortgage
Roseville, CA
01.2019 - 06.2020
- Continuously research and review underwriter conditions while collaborating with the Processing department to clear any outstanding conditions for a successful closing
- Qualified borrowers on multiple different loan programs including Jumbo, FHA, USDA, Conventional and VA
- Analyze title and escrow documentation to expedite the closing process.
Loan Officer
West Coast Mortgage Group
Sacramento, CA
11.2018 - 01.2019
- Objectively evaluate and qualifying clients on a variety of loan products and analyzing credit and financial capabilities to ensure they meet all investor guidelines and debt to income ratios
- Apply effective verbal and written communication skills to present information to clients in a simplified way allowing them to develop a full understanding of the loan process, from start to completion
- Analyze loan appraisals to ensure that appropriate values are acceptable and examine repairs that would be necessary prior to closing
- Assess HOA documents to ensure they are free of liens, pending litigation, or encumbrances that could exclude the home from the ability to lend on the property
- Analyze title and escrow documentation to expedite the closing process
- Consistently exceed quarterly goals for new sales and customer satisfaction.
Loan Officer
One Trust Home Loans
Reno, NV
01.2018 - 10.2018
- Responsible for conducting full cycle mortgage analysis that included taking initial applications from prospective clients, pulling credit scores, and analyzing credit to ensure all investor guidelines and requirements were met
- Tasked with pipeline management to ensure timely closing of all new home sales
- Analyzed natural hazard disclosures to ensure investor guidelines and insurance requirements were met and in accordance with Federal regulations
- Maintained a 35% conversion rate and assisted in the team closing of over $400,000 in the month of April.
Loan Officer
Guild Mortgage Co
Sparks, NV
03.2015 - 12.2016
- Prospected for new sales leads and was highly engaged in the loan process from start to contract while maintaining lead conversion rate of 35% or higher
- Maintained a robust client data base, created systems to ensure streamlined processing of client documents, and implemented marketing strategies to increase sales volume 50% from 2015 to 2016
- Qualified borrowers on multiple different loan programs including Jumbo, FHA, USDA, Conventional and VA.
Education
Bachelor of Arts (BA) - General Studies
University of North Dakota
Skills
- Debt and Credit Management
- Relationship Building and Management
- Mortgage Guideline Proficiency
- Database Management
- Business Development
- Document Analysis
- Account Management
Licenses
CA RE License #01400528; NMLS #822346 CA, NV, AZ, OR, TX
Timeline
Loan Officer
Canopy Mortgage LLC
09.2022 - Current
Loan Officer
Cross Country Mortgage
07.2022 - 09.2022
Loan Officer
Fairway Independent Mortgage
06.2020 - 06.2022
Loan Officer
Big Valley Mortgage
01.2019 - 06.2020
Loan Officer
West Coast Mortgage Group
11.2018 - 01.2019
Loan Officer
One Trust Home Loans
01.2018 - 10.2018
Loan Officer
Guild Mortgage Co
03.2015 - 12.2016
Bachelor of Arts (BA) - General Studies
University of North Dakota
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