Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Jo Ann Martinez

Aurora,CO

Summary

Thorough and detail-oriented loan officer brings proven expertise in evaluating packages with balanced approach encompassing both risk mitigation and profit goals. Excels at marketing products and developing referral networks to sustain customer base, Attentive Loan Specialist with background in assessing credit history data and finding appropriate solutions perfect for customer needs.

Ready for new position where loan evaluation background can be best utilized. Strong work ethic, adaptability, and exceptional interpersonal skills. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.

Overview

2
2
years of professional experience
1
1
Certification

Work History

Auto Refinance Loan Specialist

The Savings Group
Denver, Colorado
11.2023 - 08.2024
  • Compiled reports detailing approved or denied loan applications as well as delinquency status.
  • Worked closely with underwriters during the application review process.
  • Monitored changes in interest rates, economic conditions, and market trends that could affect the approval process of loans.
  • Negotiated terms of repayment schedules with delinquent borrowers in order to bring accounts up-to-date.
  • Researched customer credit histories using computer databases and credit reporting agencies' websites.
  • Processed loan modifications when requested by customers or required by lenders.
  • Performed periodic audits of existing customer accounts to ensure accuracy of information maintained.
  • Collected payments from borrowers on past due accounts and worked out payment plans when needed.
  • Provided guidance to customers on how to improve their credit scores if necessary for loan approval purposes.
  • Identified valuable solutions for customers with credit problems.
  • Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
  • Reviewed credit histories from applicants and determined feasibility of granting requested loans.
  • Applied risk management techniques to evaluate potential risks associated with granting loans.
  • Coordinated with other departments within the organization regarding loan applications, approvals, and rejections.
  • Adhered to federal and state compliance guidelines relative to retail mortgage lending.
  • Built referral business by meeting with local financial planning, home builders and real estate professionals.
  • Analyzed applicants' financial status and credit and property evaluation to determine feasibility of granting loan.
  • Collected past due loans, keeping credit and collateral exceptions within policy ranges.
  • Maximized company profitability with appropriate pricing of new loan originations, fee income and selling of products and services.
  • Researched investor guidelines and kept up to date on program changes that affected loan processing or origination.
  • Met with applicants to obtain information for loan applications and answer questions about process.
  • Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
  • Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
  • Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
  • Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
  • Met with applicants to obtain information for loan applications and answer questions about processes.

Conventional Underwriter (temporary)

Pulte Homes
Centennial, CO
05.2022 - 11.2023
  • Collaborated with closing departments to facilitate timely funding of loans.
  • Researched title issues related to mortgage transactions for compliance purposes.
  • Negotiated terms with lenders when needed for maximum benefit for clients.
  • Determined appropriate loan terms such as interest rate, length of repayment period and other conditions based on risk assessment results.
  • Prepared detailed reports summarizing findings from underwriting process.
  • Conducted periodic audits on closed mortgages for regulatory compliance purposes.
  • Monitored industry news sources regularly for updates on new laws or regulations governing mortgage lending practices.
  • Communicated with underwriting staff regarding complex cases requiring additional review or clarification.
  • Addressed customer inquiries regarding their loan status efficiently.
  • Provided guidance and training to junior underwriters on various aspects of mortgage processing.
  • Assessed requisitions each month to ensure accuracy and reconciled transactions.
  • Evaluated financial and operational performance of companies facing financial difficulties to determine possible remedies.
  • Presented plans to client with smooth and professional presentations to enhance buy-in chance and promote collaboration.
  • Coordinated deal financing by gathering resources from financial institutions, public agencies or private companies.
  • Developed comprehensive company valuations to inform investment decisions.
  • Created detailed technical reports highlighting findings to diverse stakeholders.
  • Structured financial packages based on capital needs of clients and current market conditions.
  • Utilized financial analysis to prepare plans of action for investment.
  • Determined and tracked budget expenses with accuracy and transparency.
  • Maintained strong pipeline of corporate clients by collaborating closely with partners.
  • Guided stakeholder strategies with financial advice.
  • Built optimum financial packages based on market conditions and clients' capital needs.
  • Developed financial analysis reports and presentations by applying acquired financial principles.
  • Informed investment decisions by analyzing financial information to forecast business, industry or economic conditions.
  • Interpreted data on price and yield future investment-risk trends, economic influences and other factors affecting investment programs.
  • Built and strengthened client relationships to form long-lasting, profitable bonds.
  • Reviewed costs, expenses and revenues associated with construction projects.
  • Analyzed budgets and implemented action plans to rectify issues.
  • Illustrated concepts with charts and graphs showing historical and forecasted trends.
  • Assessed company investment potential by examining historical trends, current activities and stated plans.

Industry Specialist

Aaa Consulting
Aurora, CO
04192019 - 11.2023
  • Reviewed performance metrics regularly and provided guidance on ways to optimize results.
  • Engaged with external vendors and third parties to ensure successful completion of projects.
  • Monitored progress against established goals during implementation stages.
  • Analyzed customer data to identify new markets for product expansion.
  • Assisted with developing go-to-market plans for launching new products and services into target markets.
  • Collaborated with cross-functional teams across departments such as sales, marketing, finance.
  • Facilitated workshops with executive teams to discuss strategic objectives.
  • Conducted interviews with key stakeholders to gain insights into current operational challenges.
  • Developed pricing models that optimized revenue streams while maintaining competitive advantage.
  • Gathered feedback from stakeholders regarding the effectiveness of implemented strategies.
  • Advised clients on best practices for managing customer relations in different industries.
  • Joined startup business as consultant in areas of marketing, logistics and training to various behavioral healthcare service providers.
  • Negotiated with suppliers and vendors to optimize cost structures.
  • Utilized data analytics tools to derive insights and inform decision-making.
  • Advised on mergers and acquisitions, including due diligence and integration strategies.
  • Conducted risk assessments and developed mitigation strategies to protect business interests.
  • Liaised with senior officers to ensure ongoing quality assurance program integrity.
  • Coordinated with internal teams and external stakeholders to support business growth through development of new features.
  • Guided businesses through regulatory compliance and corporate governance issues.
  • Pinpointed growth opportunities within services portfolio and business model.
  • Facilitated stakeholder meetings to align on business objectives and strategies.
  • Crafted marketing strategies to improve brand awareness and customer acquisition.
  • Consulted with business customers and presented payment card solutions to help businesses streamline expense management and optimize cash flow.
  • Fostered relationships with key industry players to explore partnership opportunities.
  • Collaborated with IT teams to drive digital transformation initiatives.
  • Designed and implemented performance measurement systems to monitor progress.
  • Assisted in raising capital for new projects.
  • Performed competitive analysis to identify threats and opportunities in the marketplace.
  • Provided training and development programs to enhance team capabilities.
  • Assisted in talent acquisition and organizational design to build high-performing teams.
  • Identified needs of customers promptly and efficiently.
  • Set specific goals for projects to measure progress and evaluate end results.
  • Created plans to propose solutions to problems related to efficiency, costs or profits.
  • Organized client meetings to provide project updates.
  • Oversaw quality control to identify inconsistencies and malfunctions.
  • Analyzed key performance indicators to identify effective strategies.
  • Evaluated needs of departments and delegated tasks to optimize overall production.
  • Assessed company operations for compliance with safety standards.
  • Worked closely with human resources to support employee management and organizational planning.
  • Determined consumer needs to provide products and services appealing to larger market.
  • Wrote and submitted reports on industry trends, prompting managers to develop business plans.
  • Audited company's legal documents to verify compliant policies and procedures.
  • Maintained positive working relationship with fellow staff and management.
  • Implemented strategies to take advantage of new opportunities.
  • Participated in ongoing training and compliance activities.
  • Assisted in developing strategies to increase customer satisfaction levels.
  • Maintained accurate records of customer interactions and feedback.
  • Conducted regular meetings with staff to review progress and address any concerns.
  • Performed quality assurance testing on newly developed software applications.
  • Coordinated with other departments to ensure efficient workflow processes.
  • Generated reports to track performance metrics of team members.
  • Created training materials for new hires on the company's procedures and policies.
  • Developed and implemented specialized procedures for customer service operations.
  • Provided technical support for users experiencing difficulties with software applications.
  • Provided technical support for customers in resolving complex issues.

Senior Mortgage Loan Originator

Self Employed Services
Salt Lake City, UT
11012000 - 12312017
  • Resolved any post-closing issues or discrepancies in a timely manner.
  • Identified opportunities for cross selling additional services or products.
  • Conducted seminars and workshops on home buying options available through our company.
  • Submitted applications to credit analysts.
  • Analyzed market trends to advise clients on optimal timing for loan applications.
  • Educated customers regarding actions and strategies for debt repayment.
  • Analyzed new markets and developed referral networks to locate new loan prospects.
  • Conducted property appraisals to ascertain loan-to-value ratios.+++
  • Identified lending risks and implemented strategies to reduce
  • Negotiated terms of mortgage loans with applicants to ensure compliance with underwriting guidelines.
  • Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
  • Conducted risk assessments on loan applications using predictive models.
  • Educated clients on the implications of changes in mortgage rates.
  • Conducted property appraisals to ascertain loan-to-value ratios.
  • Identified lending risks and implemented strategies to reduce loan defaults.
  • Facilitated workshops and seminars on mortgage products and financial literacy.
  • Verified applicant information by consulting with outside agencies, credit bureaus and businesses.
  • Helped customers make decisions about loans and lines of credit based on availability, terms and
  • Developed and recommended personal or commercial loan packages for clients.
  • Prepared reports for customers with delinquent and irreconcilable accounts.
  • Set up debt payment plans based on client credit, income and assets.
  • Developed loan contracts and explained contract terms to clients.
  • Identified valuable solutions for customers with credit problems.
  • Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
  • Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
  • Reviewed credit histories from applicants and determined feasibility of granting requested loans.
  • Met with applicants to obtain information for loan applications and answer questions about processes.
  • Reviewed loan agreements to verify completeness and accuracy according to applicable policies.

Education

Associate of Science - Finance

Colorado Technical University
Colorado Springs, CO
05-2024

Bachelor of Science - Finance

University of Denver
Denver, CO

Skills

  • Loan Processing
  • Effective Communication
  • Telephone and email etiquette
  • Loan Servicing
  • Customer Support
  • Property Inspection
  • Property Evaluation
  • Payment Schedule Computation
  • Loan Feasibility Assessment
  • Loan Processing Coordination
  • Credit File Updating
  • Wealth Planning
  • Corporate Financial Statements
  • Customer Relations
  • Financial History Analysis
  • Loan File Maintenance
  • Referral Network Development
  • Credit History Review
  • Complaint Handling
  • Tax Liability Calculation
  • Terms Definition
  • Regulatory Disclosure Preparation
  • Team building
  • Active Listening
  • Customer Service
  • Invoice Preparation
  • Written Communication
  • Bottom Line LoanMaster Loan Servicing
  • Task Prioritization
  • Financial planning expert
  • Basic Mathematics
  • NMLS Registration
  • Problem-solving aptitude
  • Loan Portfolio Monitoring
  • Intuit QuickBooks
  • Student Advising
  • Adaptability
  • Eligibility Determination
  • Goal Setting
  • Market Analysis
  • Cash Handling
  • Team Collaboration
  • Customer service-focused
  • 10-Key Data Entry
  • Process Improvement
  • Remote Video Conferencing
  • Interpersonal Communication
  • Time Management
  • Continuous Improvement
  • Staff Management
  • Adaptability and Flexibility
  • Organizational Skills
  • Collections Management
  • Equifax Application Engine
  • Interpersonal Skills
  • Analytical Thinking
  • Active Listening and Learning
  • Financial History Review
  • Professionalism
  • Credit option explanation
  • Financial Assessment
  • Loan approvals
  • Issue Resolution
  • Real Estate Loans
  • Customer Assistance
  • Construction Loan Financing
  • Payment Scheduling
  • Portfolio Management
  • Data security practices
  • Bottomline Loan Master servicing

Certification

  • NMLS (2005)
  • Certified Notary Public (2023)
  • Licensed Life & Health Insurance Agent

Timeline

Auto Refinance Loan Specialist

The Savings Group
11.2023 - 08.2024

Conventional Underwriter (temporary)

Pulte Homes
05.2022 - 11.2023

Industry Specialist

Aaa Consulting
04192019 - 11.2023

Senior Mortgage Loan Originator

Self Employed Services
11012000 - 12312017

Associate of Science - Finance

Colorado Technical University

Bachelor of Science - Finance

University of Denver

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Jo Ann Martinez