Summary
Overview
Work History
Skills
Languages
Education/Certifications/Licenses
References
Timeline
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Jessica Gutierrez Soto

Jessica Gutierrez Soto

Sacramento,CA

Summary

As a Mortgage Loan consultant with over 10 years of experience, 5 cumulative years in the restoration/construction industry, I am seeking the opportunity to serve and utilize my work experience in a position with the State of California. I am the type of person that is driven, reliable, trustworthy, and a team player always willing to help others. I guarantee that with my work experience, positive attitude, and enthusiasm to continuously learn, I can become a great asset to your department.

Overview

22
22
years of professional experience

Work History

Mortgage Loan Consultant

Cross Country Mortgage, LLC
08.2022 - Current
  • Conduct initial interviews with applicants to collect financial information and determine loan eligibility
  • Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans
  • Process mortgage loan applications and submit loan packages to the loan underwriter for approval
  • Educate clients on the terms, conditions, and requirements of mortgage products
  • Ensure all loan documentation is complete, accurate, and complies with company policies and regulatory requirements
  • Assist clients in understanding and selecting mortgage loan options that best meet their needs
  • Maintain regular communication with clients, real estate agents, and other parties involved in the mortgage process
  • Negotiate terms and conditions of loans with clients and manage the mortgage closing process
  • Stay informed of market trends, regulations, and new mortgage products to provide up-to-date advice to clients
  • Build and maintain relationships with real estate agents, builders, and other industry professionals to generate leads and referrals.

Mortgage Loan Consultant

Caliber Home Loans/New Rez
06.2019 - 08.2022
  • Conduct initial interviews with applicants to collect financial information and determine loan eligibility
  • Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans
  • Process mortgage loan applications and submit loan packages to the loan underwriter for approval
  • Assist clients in understanding and selecting mortgage loan options that best meet their needs
  • Ensure all loan documentation is complete, accurate, and complies with company policies and regulatory requirements
  • Educate clients on the terms, conditions, and requirements of mortgage products
  • Negotiate terms and conditions of loans with clients and manage the mortgage closing process
  • Maintain regular communication with clients, real estate agents, and other parties involved in the mortgage process
  • Stay informed of market trends, regulations, and new mortgage products to provide up-to-date advice to clients
  • Build and maintain relationships with real estate agents, builders, and other industry professionals to generate leads and referrals.

Mortgage Loan Consultant

Provident Bank Mortgage
06.2016 - 04.2019
  • Assisted clients in securing home loans by evaluating their finances and guiding them through the application process
  • Conducted detailed financial analysis to assess the risk and benefits of loan approval for both the client and the lending institution
  • Assessed creditworthiness by analyzing credit, income, assets, and other financial documents
  • Determined program eligibility, and the amounts they qualify for
  • This included, analyzing the borrower's entire credit profile, market pricing, and program guidelines set by VA, FHA/Ginnie Mae, Fannie Mae, Freddie Mac, and other government agencies
  • Educated clients on the mortgage process, interest rates, loan terms, and repayment schedules
  • Provided advice on improving financial health
  • Consulted with borrowers to educate them on the pros and cons of the different mortgage options
  • Reviewed contracts, prepared estimates, prepared files for submission into underwriting
  • Verified the accuracy of information and addressed any issues that arose during process
  • Coordinated with underwriters and other financial professionals to ensure all aspects of the loan application were in order
  • Ensured all activities complied with federal, state, and local regulations
  • Stayed updated on changes in mortgage laws, products, and industry standards
  • Built relationships with real estate agents, builders, and other professionals to generate continuous business
  • Participated in community events and marketing efforts to promote mortgage services

Mortgage Loan Consultant/Mortgage Loan Assistant

Team Olvera (Provident Bank Mortgage, Asset Financial, HomeStreet Bank)
11.2013 - 06.2016
  • Preapproving clients generated by television and radio advertising
  • Managed a high volume of TBD preapproval, files in contract, managed to efficiently communicate and provide excellent service to agents, and clients therefore generating new and repeat business from these sources
  • Implemented team procedures in order to efficiently manage all leads
  • Highlights: Team recognized for number in units closed and took team monthly production to upwards of $3+ million in a single month within first year of taking over the loan officer role
  • Highly skilled in adapting to changes in the industry, guidelines, policies and procedures
  • Currently upholding 100% success rate in submission vs
  • Funding.

Private Collections Specialist

Rockport Healthcare Services, Inc.
06.2012 - 10.2013
  • Medical collections for 65 facilities owned in the Northern and Southern California regions
  • Responsible for negotiating with patients, public guardians, conservators, family, attorneys and other third party agencies to settle and pay off debts
  • Assisted the facilities with skip traces, asset searches, small claims, fiduciary abuse claims, conservatorship, liens, probate, and creditors' claims to secure payments while following protocol of collection laws and regulations.

Office Administrator/Estimator

Servpro Woodland/Davis
02.2011 - 06.2012
  • Commercial and Residential Restoration- $500K/year volume
  • All general office tasks and organization, managing our customer database, taking all incoming calls, setting up job files, downloading daily pictures and videos, inputting daily job notes
  • Estimated and sketched losses in Xactimate and Manager Red according to the guidelines of the insurance vendor programs
  • Managed, entered, and audited all project excel workbooks before uploading to our corporate office
  • Collaborated to coordinate jobs, track our work in progress reports, and schedule board
  • Accounts receivable, accounts payable, bank and credit card deposits, payroll, royalty, and final reporting
  • Accomplishments: Self trained on company software and drying workbooks, implemented QuickBooks, set up paper flow procedures, job flow procedures, obtained top corporate auditing scores on drying workbooks, eliminated payable delinquencies, accounts receivable averaged less than 30 days, trained technicians on insurance paperwork requirements
  • Company performance increased in revenue by 45% within my first year.

Loan Counselor/Mortgage Collections Specialist

Homeq Servicing
06.2009 - 10.2010
  • Mortgage Servicing DBA of Barclays Capital
  • Performed financial analysis and collection arrangements to offer the best workout solution in order to prevent foreclosure
  • Effectively communicated company policies and procedures to attorneys, real estate agents, escrow companies and borrowers
  • Assisted borrowers with issues regarding escrow shortages, fee inquiries, loan status, short-sale, and modification eligibility
  • Inbound outbound call center
  • Highlights: Reached 3.8 of possible 4.0 MBO (Monthly Business Objectives) within first year of employment
  • Maintained above average scores in dollars collected, files worked, and production time.
  • Accomplishments: Amongst the Multilingual Department Top Collectors

Production Coordinator (Promotion)

Steamatic of Sacramento (SOS), Inc.
06.2008 - 06.2009
  • Effectively scheduled and coordinated projects by maintaining communication between lead technicians, estimators, customers, insurance companies, subcontractor & other trades
  • Entered payroll and job cost entries
  • Audited job file reports for labor, materials, and subcontract costs prior to submitting for billing
  • Highlights: Implemented our customer database program (JPP) which improved efficiency, communication between staff, customers, insurance, and others sub trades, job costing data, financial data, marketing data, job flow procedures, paper trail procedures and production scheduling.

Sales Administrative Assistant

Steamatic Of Sacramento, Inc.
06.2007 - 06.2008
  • Managed day to day office tasks & routines sales department
  • Scheduled estimators' appointments, entered job file notes, maintained job files, reviewed and printed job reports prior to submit for billing
  • Account receivables & collections
  • Managed and implemented JPP Software which tracked all jobs, notes, pictures, job cost, profit and loss, forms, marketing, and scheduling data
  • Assisted with marketing projects and events.
  • Trained sales/production/office staff on CRM features and processes implemented

Office Assistant, Promoted to Office Manager

Restoration Certified Specialists (RCS), Inc.
12.2004 - 06.2007
  • Commercial, Residential, Public Works Restoration and General Contractor/$3.5million/year volume
  • Implemented, Integrated, and managed our customer database JPP to achieve overall company organization, efficiency, communication, productivity, profitability, job flow, and paper-trail procedures
  • Managed and operated all office functions
  • Account management, scheduling sales appointments, accounts receivable, account payable, payroll entry and processing, certified payroll, calculating estimator & referral commissions, bank deposits, collections, human resource functions, Pre-liens & Mechanic Liens, Insurance Certificate requests, workers compensation, policies & procedures, weekly administration meetings.
  • Trained office staff

Hostess Promoted to Server

El Torito Mexican Restaurant
08.2004 - 06.2007
  • Friendly, efficient service to guests, ensuring a positive dining experience
  • Accurately took food and beverage orders, communicated them to the kitchen, and delivered orders to guests promptly
  • Maintained comprehensive knowledge of the menu, including daily specials, to make recommendations and answer customer inquiries
  • Managed multiple tables efficiently, ensuring timely service and attending to guest needs throughout their visit
  • Maintained a clean and organized dining area, including resetting tables and ensuring proper sanitation standards
  • Handled customer payments, processed credit card transactions, and managed cash with accuracy
  • Addressed customer complaints and concerns professionally, working to resolve issues and ensure satisfaction
  • Worked closely with kitchen staff and fellow servers to ensure smooth operations and excellent service
  • Promoted additional menu items, specials, and beverages to increase sales and enhance the dining experience
  • Adhered to all health, safety, and food handling regulations, as well as restaurant policies and procedures.

Cashier promoted to Shift Manager

Baja Fresh Mexican Grill
06.2003 - 12.2004
  • Oversaw shift operations, managed staff, and ensured exceptional customer service in all departments
  • Maintained high standards of cleanliness and food safety
  • Closed out daily reports which included; inventory, comps, cleaning schedules, purchase orders, sales reports, verifying cash sales and prepared for deposits next business day
  • Committed to fostering a positive and productive work environment while delivering an outstanding dining experience for guests.

Cashier, promoted to Server

Fresh Choice
06.2002 - 06.2003
  • Greeted customers as they arrive at the checkout and provided a friendly, efficient service
  • Operated cash registers, process cash, credit, and debit transactions accurately
  • Verified prices and discounts, and applied promotions or coupons as needed
  • Maintained an organized and clean checkout area
  • Balanced cash drawers at the beginning and end of shifts, and reported discrepancies
  • Resolved customer complaints and inquiries in a professional manner
  • Assisted in restocking, organizing when necessary
  • Adhered to all company policies, procedures, and safety standards
  • Collaborated with team members and other departments to ensure excellent customer service.

Project Coordinator (Commercial Electrical Subcontractor-New construction/Public Works/Tenant Improvements-$600K/year volume)

A1 Electrical Inc.
06.2012 - 05.2013
  • Managed all job bid proposals, bid results, contracts, submittals, change orders, pre-liens, requests for information, progress billing, payments, Subcontractor billings, purchase orders, and certified payroll for commercial and public works projects ranging from $30K-$250K.

Server

The Munirs Company
11.2009 - 05.2013
  • Friendly, efficient service to guests, ensuring a positive dining experience
  • Accurately took food and beverage orders, communicated them to the kitchen, and delivered orders to guests promptly
  • Maintained comprehensive knowledge of the menu, including daily specials, to make recommendations and answer customer inquiries
  • Managed multiple tables efficiently, ensuring timely service and attending to guest needs throughout their visit
  • Maintained a clean and organized dining area, including resetting tables and ensuring proper sanitation standards
  • Handled customer payments, processed credit card transactions, and managed cash with accuracy
  • Addressed customer complaints and concerns professionally, working to resolve issues and ensure satisfaction
  • Worked closely with kitchen staff and fellow servers to ensure smooth operations and excellent service
  • Promoted additional menu items, specials, and beverages to increase sales and enhance the dining experience
  • Adhered to all health, safety, and food handling regulations, as well as restaurant policies and procedures.

Skills

  • 10 Years Mortgage Consultant Experience
  • 5 Years Construction Administrative/Management
  • 35 Years Mortgage & Medical Collections Experience
  • ________________________

MORTGAGE EXPERIENCE

  • Federal/State Agency Guidelines (HUD/FHA/Ginnie Mae /Fannie Mae/Freddie Mac/VA/USDA)
  • Private/Portfolio/Non-QM Guidelines
  • Executing Financial/Legal/Contract Documents
  • Loan Estimates & Disclosures
  • RESPA/TILA/HMDA Compliance
  • Sales & Marketing

_______________________

ADMINISTRATIVE/OFFICE EXPERIENCE

  • Implementing Policies & Procedures
  • Implementing CRMS
  • Implementing Software
  • Customer Database Management
  • Inventory Tracking
  • Estimating & Sketching
  • Pre-Lien and Mechanic Liens
  • Workers Compensation Claims
  • Employee Trainings
  • Insurance Vendor Programs
  • Health & Safety Regulations
  • Medical/Mortgage Collections
  • Call Center

________________________

ACCOUNTING

  • Payroll/Certified Payroll Entry & Processing
  • Accounts Receivable
  • Accounts Payable
  • Collections
  • Commission Calculating & Reporting
  • Job Profit & Loss Reporting
  • Financial Reporting
  • Bank & Credit Card Deposits
  • ________________________

INTERPERSONAL

  • Analytical/Detail Oriented
  • Strong Written and Oral Communication Skills
  • Strong Organization Skills
  • Ability to deal with high pressure/Fast Paced Environments
  • Multi-Tasking
  • Team oriented
  • Driven
  • Reliable & Proactive
  • Trustworthy
  • Excellent Customer Service

________________________

SOFTWARE/TECHNOLOGY/

OTHER

  • Outlook Proficient
  • Excel Proficient
  • Word Proficient
  • PowerPoint Proficient
  • QuickBooks Proficient
  • Encompass Proficient
  • Desktop Underwriter
  • Loan Prospector
  • Master Builder
  • JPP Assured Software Proficient
  • ACT, Manager Red
  • IT Turbo/MSP/CITRIX/ASPECT
  • Xactimate Drafting & Sketching
  • Lexis/Nexis
  • Title Searches
  • Public Agency Searches
  • POS Systems
  • 55 WPM

Languages

Spanish
Native or Bilingual

Education/Certifications/Licenses

  • Mortgage Loan Originator CA State License #1139064
  • Xactimate Drafting and Design
  • IICRC Water Damage Certified
  • American River/Sacramento City College
  • Santa Junior College, Santa Rosa, CA
  • Rancho Cotate High School, Rohnert Park, CA



References

Available upon Request

Timeline

Mortgage Loan Consultant

Cross Country Mortgage, LLC
08.2022 - Current

Mortgage Loan Consultant

Caliber Home Loans/New Rez
06.2019 - 08.2022

Mortgage Loan Consultant

Provident Bank Mortgage
06.2016 - 04.2019

Mortgage Loan Consultant/Mortgage Loan Assistant

Team Olvera (Provident Bank Mortgage, Asset Financial, HomeStreet Bank)
11.2013 - 06.2016

Private Collections Specialist

Rockport Healthcare Services, Inc.
06.2012 - 10.2013

Project Coordinator (Commercial Electrical Subcontractor-New construction/Public Works/Tenant Improvements-$600K/year volume)

A1 Electrical Inc.
06.2012 - 05.2013

Office Administrator/Estimator

Servpro Woodland/Davis
02.2011 - 06.2012

Server

The Munirs Company
11.2009 - 05.2013

Loan Counselor/Mortgage Collections Specialist

Homeq Servicing
06.2009 - 10.2010

Production Coordinator (Promotion)

Steamatic of Sacramento (SOS), Inc.
06.2008 - 06.2009

Sales Administrative Assistant

Steamatic Of Sacramento, Inc.
06.2007 - 06.2008

Office Assistant, Promoted to Office Manager

Restoration Certified Specialists (RCS), Inc.
12.2004 - 06.2007

Hostess Promoted to Server

El Torito Mexican Restaurant
08.2004 - 06.2007

Cashier promoted to Shift Manager

Baja Fresh Mexican Grill
06.2003 - 12.2004

Cashier, promoted to Server

Fresh Choice
06.2002 - 06.2003

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Jessica Gutierrez Soto