KARLA GOMEZ
UPLAND
Summary
Knowledgeable Mortgage Loan Originator/Loan Processor with solid background in mortgage loan origination and client consultation. Expertise in guiding clients through mortgage process, ensuring compliance with lending regulations, and closing loans efficiently. Demonstrated proficiency in financial analysis and customer relationship management.
Overview
18
18
years of professional experience
Work History
MORTGAGE LOAN OFFICER
THE CLOSING SISTERS LLC
12.2018 - Current
- Facilitated mortgage loan applications through comprehensive client consultations and documentation collection.
- Evaluated borrower creditworthiness by analyzing financial statements and credit reports.
- Managed loan processing workflows to ensure compliance with lending regulations and internal policies.
- Developed tailored mortgage solutions to meet diverse client needs, enhancing customer satisfaction.
- Collaborated with real estate agents and underwriters to streamline loan approvals and expedite closings.
- Implemented process improvements that reduced turnaround times for loan applications, increasing efficiency.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- 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.
- Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
Senior Mortgage Loan Processor
Paramount Residential Mortgage Group - PRMG
02.2015 - 11.2018
- Processed complex mortgage applications, ensuring compliance with regulatory guidelines and company policies.
- Reviewed credit reports, income documentation, and asset verification to assess borrower qualifications.
- Coordinated communication between borrowers, loan officers, and underwriters to facilitate timely loan approvals.
- Mentored junior processors on best practices for efficient application processing and error reduction.
- Implemented workflow improvements that enhanced processing speed and accuracy across the team.
- Resolved discrepancies in documentation by collaborating with clients and third-party vendors effectively.
- Reduced turnaround time for mortgage approvals through effective communication with underwriters and loan officers.
Senior Mortgage Loan Processor Spanish Team
BBVA Compass Bank
07.2014 - 02.2015
- Oversaw processing of complex mortgage applications, ensuring compliance with regulatory requirements.
- Collaborated with underwriters to resolve issues and expedite loan approvals.
- Assisted our Spanish speaking borrowers specifically in the state of California, Arizona and Texas.
- The team that I was a part of with worked with borrowers that qualified for 100% financing through its HOME program, which was designed to help low- and moderate-income borrowers with zero-percent down mortgages.
- Our team also worked with foreigners tax returns to help purchase homes. We would review tax returns from Mexico and use the qualified income to assist our borrowers purchase their home.
Home Service Specialist II
Bank of America
01.2008 - 03.2012
- Process loans approved by an underwriter or automated system.
- I had my signing authority to clear conditions and make changes to previously approved loans.
- Resolve routine title problems, such as vesting issues, liens, and reconveyances.
- Handled subordinations and resolve appraisal disputes.
- Maintained proactive communication with customers, sales partners, and real estate agents.
Education
No Degree - BUSINESS
Chaffey College
Rancho Cucamonga, CAHigh School Diploma -
SAINT JOSEPH HIGH SCHOOL
Lakewood05-2002
Skills
- Goal oriented
- Relationship selling
- Loan origination
- Residential mortgage lending regulations
- Negotiation tactics
- Financial analysis
- Document review
- Regulatory compliance
- Licensed mortgage loan originator
- Document analysis
Languages
Spanish
Native or Bilingual
English
Native or Bilingual
Timeline
MORTGAGE LOAN OFFICER
THE CLOSING SISTERS LLC
12.2018 - Current
Senior Mortgage Loan Processor
Paramount Residential Mortgage Group - PRMG
02.2015 - 11.2018
Senior Mortgage Loan Processor Spanish Team
BBVA Compass Bank
07.2014 - 02.2015
Home Service Specialist II
Bank of America
01.2008 - 03.2012
No Degree - BUSINESS
Chaffey College
High School Diploma -
SAINT JOSEPH HIGH SCHOOL