Karla Macias
Laredo,TX
Summary
Accomplished Loan Originator with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Mortgage Loan Officer
GATEWAY MORTGAGE GROUP, LLC
09.2020 - 02.2024
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- 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.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- 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.
- 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.
- Organized educational seminars for prospective homebuyers, increasing company visibility in the community.
- Promoted cross-selling opportunities within the organization by identifying additional financial products that would benefit clients beyond their mortgage needs.
- Mentored junior loan officers to improve team performance and meet organizational goals.
- Conducted thorough market research to identify new business opportunities within target demographics.
Mortgage Loan Officer
IBC BANK
06.2012 - 02.2020
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- 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.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- 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.
- 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.
- Organized educational seminars for prospective homebuyers, increasing company visibility in the community.
- Promoted cross-selling opportunities within the organization by identifying additional financial products that would benefit clients beyond their mortgage needs.
- Mentored junior loan officers to improve team performance and meet organizational goals.
- Conducted thorough market research to identify new business opportunities within target demographics.
Mortgage Loan Officer
IBC BANK
06.2012 - 02.2020
- Meet with prospective and current clients to develop information pertaining to their lending needs
- Assist in lending activity coordination through direct contact with loan department
- Responsible for representing the company and providing leadership in key community activities involving civic, business, and social organizations
- Promote business by developing relationships with new/existing realtors, builders, and borrowers
- Advise lock-in policies to borrowers and ensured that lock requests are completed properly
- Interview and pre-qualify potential borrowers
- Provide information to borrowers and related parties about loan operations documents, market conditions, and other requirements to close a loan
- Analyze and review new loan guidelines, updates, programs, and changes.
- 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.
- 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.
- 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.
- 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.
General Manager
VISION CONSTRUCTION COMPANY, INC.
03.2010 - 02.2012
- Oversaw the management and coordination of all departments within the organization including: Administrative, Human Resources, and Marketing
- Managed and supervised compliance procedures
- Managed and maintained budgets on multiple projects
- Responsible for the daily operations of multiple offices and employees
- Implemented and maintained procedures and policies to ensure efficiency, consistency, and quality
- Maintained financial records and monitoring systems to record and reconcile payments and other daily transaction reports
- Provided assistance on ongoing projects, analysis of the work flow and documentation procedures
- Responsible for payroll processing and expenses
- Served as liaison between government agencies, procurement officers, and contractors.
Operations Manager/Loan Officer
ADVANTAGE FINANCIAL SERVICES
03.2010 - 02.2012
- Responsible for the daily operations of office and employees
- Managed budget and oversaw monthly production to ensure branch goals
- Developed marketing strategies and executed strategies through branch loan officers
- Managed and supervised branch loan compliance for auditing purposes
- Oversaw branch accounts receivables/payables
- Implemented and maintained procedures/policies to ensure compliance with state and federal regulatory agencies
- Developed and maintained business relationships with Investors, Bankers, and work-related Vendors.
Mortgage Loan Originator
CORNERSTONE MORTGAGE COMPANY
02.2009 - 02.2010
- Met with prospective and current clients to develop information pertaining to their lending needs
- Assisted in lending activity coordination through direct contact with loan department
- Responsible for representing the company and providing leadership in key community activities involving civic, business, and social organizations
- Promoted business by developing relationships with new and existing realtors, builders, and borrowers
- Advised lock-in policies to borrowers and ensured that lock requests were completed properly
- Pre-qualified and interviewed potential borrowers
- Analyzed and reviewed new loan guidelines, updates, programs, and changes.
Mortgage Loan Officer/Administrative Assistant
RUIZ HOME MORTGAGE/RUIZ HOMES
02.2003 - 02.2009
- Met with prospective and current clients to develop information pertaining to their lending needs
- Assisted in lending activity coordination through direct contact with loan department
- Responsible for representing the company and providing leadership in key community activities involving civic, business, and social organizations
- Promoted business by developing relationships with new and existing realtors, builders, and borrowers
- Advised lock-in policies to borrowers and ensured that lock requests were completed properly
- Pre-qualified and interviewed potential borrowers
- Provided information to borrowers and related parties about loan operations documents, market conditions, and other requirements to close a loan
- Analyzed and reviewed new loan guidelines, updates, programs, and changes.
Education
Master of Business Administration: Management -
Texas A&M International University
Laredo, TX05.2014
Bachelor of Business Administration: Management -
Texas A&M International University
Laredo, TX12.2009
Associate Degree: Economics -
Laredo Community College
Laredo, TX12.2005
Skills
- QuickBooks
- Microsoft Office
- Goal-Oriented
- Relationship selling
- Loan Origination
- Sales Development
- Pipeline Management
- Document Review
- Time Management
Certification
208632, Texas, Residential Mortgage Loan Officer NMLS License
Timeline
Mortgage Loan Officer
GATEWAY MORTGAGE GROUP, LLC
09.2020 - 02.2024
Mortgage Loan Officer
IBC BANK
06.2012 - 02.2020
Mortgage Loan Officer
IBC BANK
06.2012 - 02.2020
General Manager
VISION CONSTRUCTION COMPANY, INC.
03.2010 - 02.2012
Operations Manager/Loan Officer
ADVANTAGE FINANCIAL SERVICES
03.2010 - 02.2012
Mortgage Loan Originator
CORNERSTONE MORTGAGE COMPANY
02.2009 - 02.2010
Mortgage Loan Officer/Administrative Assistant
RUIZ HOME MORTGAGE/RUIZ HOMES
02.2003 - 02.2009
Master of Business Administration: Management -
Texas A&M International University
Bachelor of Business Administration: Management -
Texas A&M International University
Associate Degree: Economics -
Laredo Community College
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