Jorge Tapia
San Jose,CA
Summary
Experienced finance professional with 8 years in mortgage lending, specializing in loan processing, underwriting, and client relations. Strategic leader excelling in problem-solving, meeting deadlines, and providing unparalleled customer service. Meticulously detailed oriented with a proven ability to convey complex information clearly. Strong leader and problem-solver dedicated to streamlining operations to decrease costs and promote organizational efficiency. Uses independent decision-making skills and sound judgment to positively impact company success.
Overview
10
10
years of professional experience
1
1
Certification
Work History
AVP | CENTRALIZED LENDING
Heritage Bank Of Commerce
08.2022 - Current
- Manage end-to-end lending processes, serving as primary client contact.
- Acquire and validate legal documents, ensuring compliance with underwriting requirements.
- Developed and maintained strong relationships with clients, resulting in increased business opportunities.
- Maintained compliance with industry regulations by implementing risk mitigation measures and maintaining accurate documentation.
- Promoted and led performance enhancement culture by actively coaching and mentoring direct reports.
- Analyzed data to identify areas of improvement, implementing changes that resulted in greater operational efficiency.
- Fostered a culture of continuous improvement by encouraging feedback from employees at all levels.
- Improved customer satisfaction by streamlining processes and implementing new strategies.
- Collaborate internally for efficient transaction structuring, maintaining a follow-up system for past clients.
- Managed projects efficiently, ensuring timely delivery and high-quality results.
- Streamlined communication channels between departments, facilitating better collaboration on projects across the organization.
SENIOR PROCESSOR/Mortgage Underwriter
Union Bank
01.2021 - 01.2022
- Oversee loan reviews, ensuring adherence to policy guidelines.
- Expertly underwrite Non-Conforming/high balance residential loans.
- Kept up-to-date on industry trends by participating in educational seminars and workshops, applying new knowledge to improve processes further.
- Maintained strict compliance with regulatory guidelines, preventing potential penalties or delays in processing.
- Handled complex loan scenarios with precision, navigating through challenging situations successfully without compromising turn-around times.
- Reduced processing errors by conducting thorough reviews and providing constructive feedback to team members.
- Proactively identified potential issues during file review stages before progressing further into the process pipeline.
- Mentor and guide junior staff, fostering a collaborative and results-driven team environment.
- Managed high-volume workloads for timely and accurate completion of loan applications.
- Enhanced data security measures by implementing secure storage solutions and training staff on best practices for handling sensitive information.
Senior Mortgage Processor/Underwriter
Wells Fargo
01.2019 - 01.2021
- Conducted thorough analysis of financial and credit information for loan decision-making
- Develop trust with clients, contributing to portfolio management and meeting sales goals
- Collaborate with cross-functional teams ensuring seamless communication and cooperation in achieving shared objectives.
- Contributed to the growth of the organization by consistently meeting or exceeding sales objectives.
- Provided exceptional customer service by addressing borrower concerns promptly and professionally.
- Streamlined mortgage processing workflow by implementing efficient document management systems.
- Enhanced customer satisfaction by providing timely and accurate updates on loan applications.
- Facilitated seamless transitions from application submission to final approval stages with keen attention to detail throughout the process.
- Developed strong relationships with realtors, title companies, and other industry professionals to facilitate smooth transactions.
- Managed a high-volume pipeline of loans, prioritizing tasks for optimal efficiency and client satisfaction.
- Worked closely with clients to gather necessary documentation for fast-tracked mortgage processing timelines effectively.
- Mentored junior processors, sharing knowledge and best practices to improve overall team performance.
- Demonstrated expertise in various loan products, offering tailored solutions to meet clients'' unique needs.
- Mitigated risks associated with lending decisions by diligently verifying income, assets, and credit history information provided by applicants.
Mortgage Loan Officer
Bank of America
01.2018 - 01.2019
- Evaluated applicants' financial status and credit for loan feasibility.
- Provided expert financial advice, educating clients on diverse mortgage product lines.
- Coordinated end-to-end loan documentation process, ensuring accuracy and compliance.
- Networked with real estate professionals, expanding referral database.
- Facilitated successful closings by collaborating with loan processors, underwriters, and settlement agents to resolve any outstanding issues.
- Assisted in the implementation of new lending policies, resulting in a more efficient and effective lending process.
- Maintained strict compliance with all federal, state, and company lending regulations by staying abreast of changes in laws or policies.
- Actively participated in networking events and community outreach programs to build brand awareness and generate new business leads.
- Consistently met or exceeded monthly sales goals through effective pipeline management and proactive follow-up with leads.
- Developed strong relationships with clients, ensuring repeat business and referrals for new clients.
- Provided exceptional customer service by addressing client concerns promptly and professionally throughout the entire lending process.
- Reduced application turnaround time significantly by implementing automated software solutions that improved data collection accuracy.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
Loan Specialist
CEFCU
01.2015 - 01.2018
- Analyzed financial data for strategic decision making in business, industry, and economic contexts.
- Gained comprehensive knowledge of marketing, operations, and branch office management.
- Prospected new clients through relationship-building with small and mid-cap corporations.
- Ensured compliance with federal lending regulations.
- Enhanced customer satisfaction levels with clear communication and timely follow-ups on loan applications.
- Reduced turnaround time for loan approvals by efficiently managing workload and prioritizing tasks.
- Resolved complex issues related to existing loans, effectively retaining clients while addressing concerns promptly.
- Continuously updated knowledge on industry trends and regulations through professional development activities.
- Assisted in the development of training materials for new Loan Specialists, contributing to overall team success.
- Collaborated with underwriters to ensure accurate evaluation of creditworthiness and risk assessment.
Education
Bachelor of Science - Finance
San Jose State University
San Jose, CAHigh School Diploma -
Yerba Buena High School
San Jose, CAAssociate of Arts -
Evergreen Valley College
San Jose, CASkills
- Loan Processing & Underwriting
- Client Relationship Management
- Compliance and Regulation
- Effective Communication
- Legal Structures and Legal Forms
- Strategic Thinking
- Sales and Client Management
- Customer Service Excellence
- Operations Management
- Channel Management
- Internal Communications
- Corporate Communications
Websites
Certification
- DBO SAFE Comprehensive Mortgage Loan Originator
- NMLS Certified
- Mortgage Bankers Association (MBA) Certified
Languages
Spanish
Full Professional
English
Full Professional
Timeline
AVP | CENTRALIZED LENDING
Heritage Bank Of Commerce
08.2022 - Current
SENIOR PROCESSOR/Mortgage Underwriter
Union Bank
01.2021 - 01.2022
Senior Mortgage Processor/Underwriter
Wells Fargo
01.2019 - 01.2021
Mortgage Loan Officer
Bank of America
01.2018 - 01.2019
Loan Specialist
CEFCU
01.2015 - 01.2018
Bachelor of Science - Finance
San Jose State University
High School Diploma -
Yerba Buena High School
Associate of Arts -
Evergreen Valley College
- DBO SAFE Comprehensive Mortgage Loan Originator
- NMLS Certified
- Mortgage Bankers Association (MBA) Certified
Similar Profiles
JUAN PEREZJUAN PEREZ
Assistant Vice President, Collateral Control Manager at Heritage Bank of Commerce Loan, SupportAssistant Vice President, Collateral Control Manager at Heritage Bank of Commerce Loan, Support
Temeca WilsonTemeca Wilson
Customer Service Representative at U.S. BankCustomer Service Representative at U.S. Bank
MARK GILMERMARK GILMER
Director of Real Estate Lending / Sr. VP at Heritage Bank / The First BankDirector of Real Estate Lending / Sr. VP at Heritage Bank / The First Bank