Jossie DeGasca
Rancho Cucamonga,CA
Summary
Knowledgeable Loan Processor offering expertise in legal statutes and established lending guidelines. Excellent communication and negotiation skills. Offering 10+ year history of successful loan closing, mortgage processing and customer relationship building.
Overview
8
8
years of professional experience
Work History
Cashier
The Home Depot
10.2022 - Current
- Streamlined checkout process for increased efficiency and reduced waiting times.
- Mentored new employees on cashier duties and best practices, improving overall staff performance.
- Built relationships with customers to encourage repeat business.
- Prevented loss by vigilantly monitoring potential theft or fraud situations in store.
- Collaborated with team members to achieve sales targets and maintain a clean, well-stocked store environment.
Sr. Loan Processor
Allianze Mortgage Services
02.2020 - 06.2022
- Streamlined loan processing by implementing efficient workflow systems and task prioritization.
- Enhanced customer satisfaction with timely and accurate loan processing, maintaining clear communication throughout the process.
- Collaborated with underwriting team to ensure accurate risk assessment and appropriate loan approvals.
- Set up and completed loan submission packages.
- Conducted thorough borrower credit analysis to accurately assess financial stability and minimize default risks.
- Maintained compliance with federal regulations by meticulously reviewing all loan documents, ensuring accuracy, and completeness.
- Maximum loans closed in a month, 38
- Programs used Calyx/Pointe, DocuSign, FHA, VA
Mortgage Loan Processor
Mr. Cooper Mortgage
07.2019 - 08.2019
- Assisted underwriters in approving loans by verifying financial information and ensuring accurate documentation.
- Ensured compliance with federal lending regulations through meticulous attention to detail during the loan processing phase.
- Provided exceptional customer service while guiding borrowers through the entire loan process from pre-qualification to closing.
- Handled any conditions sent from underwriting departments.
- Enhanced client satisfaction by providing timely updates on their mortgage loan status and addressing concerns promptly.
- Programs used Encompass, FHA, VA
Sr. Loan Processor
First Financial CU
11.2016 - 07.2019
- Enhanced customer satisfaction with timely and accurate loan processing, maintaining clear communication throughout the process.
- Collaborated with underwriting team to ensure accurate risk assessment and appropriate loan approvals.
- Conducted thorough borrower credit analysis to accurately assess financial stability and minimize default risks.
- Maintained compliance with federal regulations by meticulously reviewing all loan documents, ensuring accuracy, and completeness.
- Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
- Maximum consumer loans closed in a month, 25.
- Maximum HELOC closed in a month, 15.
- Programs used Encompass, Symitar, DocuSign
Education
High School Diploma -
Santa Fe High School
Santa Fe Springs, CAGeneral Studies
Rio Hondo College
Whittier, CASkills
- Attention to Detail
- Regulatory Compliance
- Relationship Building
- Spanish Fluency
- Effective Communication
- Time Management
- Proficiency With Calyx/Point, Encompass
- Relationship Building and Management
- Organizational Skills
Timeline
Cashier
The Home Depot
10.2022 - Current
Sr. Loan Processor
Allianze Mortgage Services
02.2020 - 06.2022
Mortgage Loan Processor
Mr. Cooper Mortgage
07.2019 - 08.2019
Sr. Loan Processor
First Financial CU
11.2016 - 07.2019
High School Diploma -
Santa Fe High School
General Studies
Rio Hondo College