Liliana Caballero
San Jose,CA
Summary
Reliable and personable, with strong communication and analytical skills. Possesses solid understanding of financial principles and credit analysis, coupled with proficiency in customer service and data management. Committed to facilitating smooth loan processes and ensuring customer satisfaction. Developed strong communication and analytical skills in fast-paced, client-focused environment. Adept at financial analysis and customer relationship management, with focus on delivering tailored solutions. Seeking to leverage these transferable skills in new and challenging field.
Overview
9
9
years of professional experience
Work History
Mortgage Loan Officer
CEFCU
02.2017 - 07.2017
- 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.
- Conducted comprehensive risk assessments for each loan application to minimize defaults, contributing to more robust loan portfolio.
- Addressed and resolved client concerns swiftly, maintaining high levels of customer satisfaction and loyalty.
- Implementing effective time management techniques allowed me to consistently exceed monthly sales targets while maintaining high-quality customer service standards.
- Developed strong partnerships with local real estate agents to generate consistent referral sources for mortgages.
- Organized educational seminars for prospective homebuyers, increasing company visibility in the community.
- Worked with underwriters to fix application problems and resolve issues.
- Fielded customer complaints and provided solutions.
Mortgage Loan Officer
Bank Of America
05.2016 - 02.2017
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- 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.
Mortgage Loan Officer
CEFCU
05.2012 - 05.2016
- Increased loan approval rates by efficiently managing pipeline and maintaining strong relationships with borrowers, realtors, and underwriters.
- 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.
Auto Loan Underwriter
CEFCU
12.2008 - 05.2012
- Contributed to a reduction in processing times by coordinating with other departments for prompt document retrieval and verification.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Minimized losses by identifying potential risks in the early stages of the loan application process.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Processed loan applications and monitored progress from start to finish.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
Education
Liberal Studies
Evergreen Valley College
San Jose, CASkills
- Goal oriented
- Relationship selling
- Loan origination
- Residential mortgage lending regulations
- Document review
- Regulatory compliance
- Refinancing options
- Payment collection
- Underwriting
- Credit checks
- Loan application management
- Closing coordination
Languages
Spanish
Native or Bilingual
Timeline
Mortgage Loan Officer
CEFCU
02.2017 - 07.2017
Mortgage Loan Officer
Bank Of America
05.2016 - 02.2017
Mortgage Loan Officer
CEFCU
05.2012 - 05.2016
Auto Loan Underwriter
CEFCU
12.2008 - 05.2012
Liberal Studies
Evergreen Valley College
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