Linda Gonzalez

Processed loans under Conventional, VA/FHA USDA, Manufactured Homes, Refinances and Down Payment assistant programs Manage our branch pipeline to prepare loans for closing and verify the accuracy of our applications, credit and closing documents. Constantly analyze and review credit, income and assets for borrowers likelihood of repayment. Awarded for achieving monthly goals and 100% quality and customer satisfaction.

• Reviewed credit reports and financial information to evaluate creditworthiness of applicants.
• Performed detailed calculations to verify income, assets, liabilities and other data provided by applicants.
• Communicated with customers via telephone or email to obtain additional documentation required for loan processing.
• Submitted loan applications to underwriting department for review and approval process.
• Maintained accurate records in computer database system during loan origination process.
• Developed relationships with clients, real estate agents, lenders, title companies and attorneys throughout closing process.
• Reviewed appraisals to ensure accuracy of value estimates.
• Collaborated with underwriters to resolve any discrepancies in applicant's financial profile or documentation issues.
• Monitored progress of each loan application from start to finish ensuring timely completion.

Documented all communication related to the loan application, dedicated to perform a thorough review of the entire 1003 verifying borrowers credit, income assets and any document provided to source accuracy to Identify any potential issues.

Communication is my greatest asset, connecting with agents, borrowers, Loan officer and Underwriters to have files closed on or before the closing date.

• Filed completed packages quickly and efficiently.
• Monitored loan serving agreements and loan covenants to ensure compliance.
• Approved loans that met specifications.
• Evaluated financial statements and contacted institutions and customers to clarify details.
• Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
• Organized, filed and maintained customer, department and regulatory loan records.
• Submitted completed loan applications, including recommendations for underwriting approval or denial.

Prepared loan documents and reviewed clients financial statements, tax returns cash flow projections and other information related to the loan application process for review and approval. I will analyze customers portfolios in order to recommend appropriate banking products and services including Mortgage loans. Assisted as a liaison between customers and Loan officers, Underwriters, attorneys, appraisers and title companies.

• Advised customers on bank products, services and financial planning options.
• Consulted with small business customers to determine needs and means and propose personalized banking solutions.
• Adhered to strict guidelines regarding financial and customer data to avoid breaches and information misuse.
• Managed customer referrals to help financial services team members capitalize on sales changes.
• Fulfilled diverse duties to provide customer service, operate money counters, balance and replenish ATMs, maintain accounts and open new accounts.
• Helped customers open and close accounts, apply for loans and make sound financial decisions.