Karla Esqueda
Santa Rosa ,CA
Summary
Proven Mortgage Loan Consultant with a track record of optimizing financial stability for clients through expert interest rate negotiation and exceptional customer service. At JN Financial DBA American Pacific, leveraged real estate market awareness and regulatory compliance knowledge to enhance loan approval rates and client satisfaction. Skilled in building lasting relationships and efficient process improvement, consistently exceeding sales targets.
Overview
22
22
years of professional experience
Work History
Mortgage Loan Consultant
JN Financial DBA American Pacific
2022.01 - Current
- Knowledge of industry regulations, ensuring strict compliance during all phases of mortgage application process.
- Developed innovative marketing materials that showcased our mortgage products'' benefits, attracting new clientele while retaining existing customers.
- Negotiated favorable interest rates with lenders on behalf of clients, optimizing their long-term financial stability and maximizing savings.
- Enhanced loan approval rates by diligently pre-qualifying mortgage applicants and accurately assessing their financial capabilities.
- Cultivated strong relationships with referral partners such as realtors, builders, attorneys, resulting in consistent lead generation from trusted sources.
- Provided exceptional customer service throughout the entire loan process, leading to increased referrals from satisfied clients.
- Tracked market trends closely to provide up-to-date advice on potential shifts in interest rates or lending guidelines to both colleagues and clients alike.
- Assisted clients in selecting suitable mortgage products by thoroughly explaining various loan program features, terms, and conditions.
- Delivered personalized financial advice to clients based on their unique needs and goals, fostering long-lasting relationships built on trust and expertise.
- Collaborated with underwriters and processors to expedite loan approvals, ensuring timely completion of all necessary steps.
- Attended networking events to generate new leads, expanding brand visibility within the local community and fostering valuable partnerships with real estate professionals.
- Mentored junior consultants on proper documentation procedures for faster loan processing times and higher customer satisfaction ratings.
- Participated in ongoing professional development opportunities to stay current with industry trends and maintain a competitive edge within the marketplace.
- Conducted regular follow-ups with clients after loan closure to ensure continued satisfaction and address any potential issues promptly.
- Streamlined the mortgage application process for clients by providing clear guidance on required documentation and submission procedures.
- Analyzed client credit histories to identify areas for improvement, providing tailored recommendations that increased the likelihood of mortgage approval success.
- Reduced processing time for mortgage applications by implementing efficient document organization strategies and proactively addressing potential issues.
- Conducted comprehensive market research to identify new business opportunities, resulting in increased sales leads and revenue growth.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Worked with underwriters to fix application problems and resolve issues.
- Checked loan documents for accuracy prior to closing.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Explained different types of loans pertaining to client situations.
- Fielded customer complaints and provided solutions.
Mortgage Loan Officer
Sierra Pacific Mortgage Company, Inc.
2016.01 - 2021.12
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Increased loan approval rates by efficiently managing pipeline and maintaining strong relationships with borrowers, realtors, and underwriters.
- Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
- Managed risk effectively by adhering closely to compliance guidelines during all stages of the loan origination process.
- Developed and implemented marketing campaigns to generate new business opportunities.
- Customized marketing materials aimed at attracting potential mortgage applicants within specific target markets.
- Participated in ongoing professional development programs to continuously expand knowledge of the mortgage industry and enhance skills as a loan officer.
- Negotiated favorable terms on behalf of clients, ensuring their long-term financial success with their mortgage loans.
- Reviewed loan files and updated to match current standards.
- Implementing effective time management techniques allowed me to consistently exceed monthly sales targets while maintaining high-quality customer service standards.
- Maintained a comprehensive knowledge of current industry trends and regulatory changes to provide expert guidance for clients.
- Negotiated loan terms and conditions with clients to maximize profitability.
- Developed strong partnerships with local real estate agents to generate consistent referral sources for mortgages.
- Explained different types of loans pertaining to client situations.
- Checked loan documents for accuracy prior to closing.
- Utilized CRM software proficiently for tracking leads, organizing client information, and planning follow-up communications.
- Streamlined the loan application process for improved customer satisfaction and a higher volume of closed loans.
- Organized educational seminars for prospective homebuyers, increasing company visibility in the community.
- Worked with underwriters to fix application problems and resolve issues.
- Provided support during audits to ensure compliance with federal and state regulations, contributing to a strong company reputation.
- Promoted cross-selling opportunities within the organization by identifying additional financial products that would benefit clients beyond their mortgage needs.
- Fielded customer complaints and provided solutions.
- Mentored junior loan officers to improve team performance and meet organizational goals.
- Conducted thorough market research to identify new business opportunities within target demographics.
- Achieved high client retention rate by providing exceptional follow-up services and financial advice post-closing.
- Increased loan approval rates by meticulously evaluating applicant financial data and advising on best practices for credit improvement.
- Improved loan application accuracy, systematically reviewing and refining application processes.
- Negotiated favorable loan terms with lenders, achieving cost savings for clients and increasing competitiveness of our offerings.
- Facilitated home buying seminars to educate potential buyers, enhancing community's financial literacy.
- Fostered strong relationships with real estate professionals to generate consistent pipeline of referrals.
- Conducted detailed market analyses to stay ahead of industry trends and adjust loan offerings accordingly.
Loan Officer
First Security Home Loans a Dba of Stearns Lending
2006.04 - 2016.01
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Maintained strict confidentiality of bank records and client information.
- Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
- Submitted loan applications to underwriter for verification and recommendations.
- Examined customer loan applications for loan approvals and denials.
- Developed strong relationships with customers through high levels of customer service.
- Educated potential clients on various loan options, guiding them towards informed decisions that fit their financial goals.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Meticulously reviewed applicant documentation, ensuring accuracy and completeness prior to submission for underwriting approval.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Ensured compliance with all federal and state regulations throughout the loan origination process.
- Advised clients on mortgage, education and personal loans.
- Conducted thorough credit analysis to minimize risk exposure for the financial institution.
- Improved loan processing efficiency by streamlining application procedures and documentation requirements.
- Cultivated lasting relationships with satisfied clients that led to repeat business as well as referrals from friends or family members.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
Loan Officer
Investors Trust Mortgage
2003.04 - 2006.04
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Maintained strict confidentiality of bank records and client information.
- Submitted loan applications to underwriter for verification and recommendations.
- Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
- Examined customer loan applications for loan approvals and denials.
- Developed strong relationships with customers through high levels of customer service.
- Educated potential clients on various loan options, guiding them towards informed decisions that fit their financial goals.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Meticulously reviewed applicant documentation, ensuring accuracy and completeness prior to submission for underwriting approval.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Ensured compliance with all federal and state regulations throughout the loan origination process.
- Collaborated with underwriters to expedite loan approvals and close deals in a timely manner.
- Developed strong relationships with local real estate agents, leading to increase in mortgage loan referrals.
- Coordinated with legal team to ensure all loan agreements were compliant with state and federal regulations.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
Loan Processor
Highland Hills Mortgage Inc
2002.11 - 2003.04
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Set up and completed loan submission packages.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Promoted a positive work environment through effective communication skills and teamwork initiatives.
- Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
- Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
- Collaborated with other departments including sales, underwriting, legal teams for seamless coordination during the entire loan cycle process.
- Improved loan processing efficiency by streamlining documentation and communication procedures.
- Provided quick turnaround times to maintain fast-past schedule.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Strengthened relationships with clients through consistent follow-up calls and personalized attention to their needs.
- Maintained compliance with federal, state, and company regulations through regular review of updated guidelines.
- Provided exceptional customer service by addressing borrower concerns and resolving issues in a timely manner.
- Handled any conditions sent from underwriting departments.
- Advised loan officers to comply with loan guidelines and apply best practices.
Education
Bachelor of Science - Applied Economics
University of San Francisco
San Francisco, CASkills
- Goal-Oriented
- Customer service-focused
- Organizational Skills
- Effective Communication
- Decision-Making
- Relationship Building
- Professionalism
- Strong Sales Techniques
Timeline
Mortgage Loan Consultant
JN Financial DBA American Pacific
2022.01 - Current
Mortgage Loan Officer
Sierra Pacific Mortgage Company, Inc.
2016.01 - 2021.12
Loan Officer
First Security Home Loans a Dba of Stearns Lending
2006.04 - 2016.01
Loan Officer
Investors Trust Mortgage
2003.04 - 2006.04
Loan Processor
Highland Hills Mortgage Inc
2002.11 - 2003.04
Bachelor of Science - Applied Economics
University of San Francisco
Similar Profiles
Jodi LawrenceJodi Lawrence
Mortgage-loan-processor at Absolute Mortgage Corporation DBA American PacificMortgage-loan-processor at Absolute Mortgage Corporation DBA American Pacific
Laura PattersonLaura Patterson
LOAN PARTNER, MORTGAGE SALES at American Pacific Mortgage dba Preferred RateLOAN PARTNER, MORTGAGE SALES at American Pacific Mortgage dba Preferred Rate
Pam BraniganPam Branigan
Loan Officer at American Pacific Mortgage Dba Sunstreet MortgageLoan Officer at American Pacific Mortgage Dba Sunstreet Mortgage