Adalgiza (Lisa) Rosario
Perth Amboy ,NJ
Summary
Seasoned Mortgage Loan Officer and Branch Banker with a proven track record at PNC Bank, adept in credit analysis and fostering customer relationships. Excelled in loan origination and implementing strategies to enhance customer satisfaction, achieving a notable increase in branch visibility and financial product sales. Demonstrates strong portfolio management and interpersonal skills.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Branch Banker
PNC Bank
Fords , New Jersey
04.2024 - Current
- Greeted customers, identified customer needs and provided appropriate banking services.
- Assisted customers with opening new accounts, processing deposits and withdrawals, cashing checks and making loan payments.
- Provided guidance to customers on the use of online banking tools and mobile applications.
- Managed account information including updating addresses, phone numbers and email addresses.
- Processed wire transfers, money orders and stop payment requests in accordance with established procedures.
- Verified customer identification documents in compliance with Bank Secrecy Act regulations.
- Performed daily branch operations such as balancing cash drawers, verifying teller transactions and preparing bank deposit slips.
- Resolved customer inquiries regarding account balances, fees and other banking issues in a timely manner.
- Conducted financial reviews for existing customers to identify additional products or services that could benefit them.
- Developed relationships with local businesses to increase branch visibility within the community.
- Participated in outreach activities at schools, churches and other organizations to promote bank products and services.
Mortgage Loan Officer
Waterstone Mortgage
Paramus, NJ
05.2023 - 01.2024
- Assessed customer financial status and credit worthiness to determine eligibility for mortgage loans.
- Conducted interviews with prospective clients to gather information regarding loan applications.
- Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility.
- Prepared loan documents such as commitment letters, closing statements, promissory notes and deed of trust.
- Ensured compliance with all federal, state and local regulations related to mortgage lending.
- Negotiated terms and conditions of loan agreements with borrowers.
- Maintained current knowledge of secondary market trends, government programs and other available financing sources.
- Processed new loan applications in accordance with established guidelines.
- Reviewed appraisals to ensure accuracy and completeness prior to submission to underwriting department.
- Evaluated existing customer accounts for refinancing opportunities or additional services offered by the company.
- Developed relationships with real estate agents, builders and other referral sources in order to generate business leads.
- Interacted with title companies, attorneys, surveyors and other third parties involved in the loan process.
- Resolved borrower complaints in a timely manner while providing excellent customer service.
- Monitored customer accounts throughout the life cycle of each loan transaction.
- Provided guidance on various types of mortgages such as FHA loans, VA loans, conventional loans.
- Educated customers on various aspects of mortgage financing options available.
- Performed periodic quality control reviews on completed files prior to funding.
- Created reports summarizing activities such as originations, denials and delinquencies.
- Attended industry events and seminars in order to stay abreast of changes in the mortgage banking industry.
- Participated in team meetings, trainings conducted by management staff regarding updates on products, services offered by the company.
Mortgage Loan Officer
PNC Bank
Woodland Park, New Jersey
01.2022 - 05.2023
- Assessed customer financial status and credit worthiness to determine eligibility for mortgage loans.
- Conducted interviews with prospective clients to gather information regarding loan applications.
- Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility.
- Prepared loan documents such as commitment letters, closing statements, promissory notes and deed of trust.
- Ensured compliance with all federal, state and local regulations related to mortgage lending.
- Negotiated terms and conditions of loan agreements with borrowers.
- Maintained current knowledge of secondary market trends, government programs and other available financing sources.
- Processed new loan applications in accordance with established guidelines.
- Reviewed appraisals to ensure accuracy and completeness prior to submission to underwriting department.
- Evaluated existing customer accounts for refinancing opportunities or additional services offered by the company.
- Developed relationships with real estate agents, builders and other referral sources in order to generate business leads.
- Interacted with title companies, attorneys, surveyors and other third parties involved in the loan process.
- Resolved borrower complaints in a timely manner while providing excellent customer service.
- Monitored customer accounts throughout the life cycle of each loan transaction.
- Provided guidance on various types of mortgages such as FHA loans, VA loans, conventional loans.
- Educated customers on various aspects of mortgage financing options available.
- Performed periodic quality control reviews on completed files prior to funding.
- Created reports summarizing activities such as originations, denials and delinquencies.
- Attended industry events and seminars in order to stay abreast of changes in the mortgage banking industry.
- Participated in team meetings, trainings conducted by management staff regarding updates on products, services offered by the company.
- Developed and maintained relationships with local real estate agents.
- Met with applicants to obtain information for loan applications and answer questions about loan process.
- Gathered client debt, credit and income information to determine loan eligibility.
- Helped clients fill out loan applications and find ideal loan options.
- Informed customers of application deadlines, approvals and denials.
- Complied applications and paperwork and double-checked for accuracy.
Teller Supervisor /Mortgage Loan Officer
Provident Bank
Perth Amboy, New Jersey
04.2019 - 07.2021
- Provided daily supervision and guidance to teller staff, ensuring compliance with bank policies and procedures.
- Conducted performance reviews of tellers, providing feedback on areas of strength and opportunities for improvement.
- Developed and implemented strategies to ensure customer satisfaction and meet service standards.
- Identified training needs for tellers, created learning materials, and conducted regular training sessions.
- Monitored cash levels in all drawers; balanced cash drawers at the end of each shift.
- Resolved customer complaints promptly and efficiently while maintaining high levels of customer service.
- Maintained accurate records of transactions processed by each teller throughout the day.
- Assisted with the development of new products or services to increase customer engagement.
- Created reports that tracked key metrics such as number of transactions per hour, average transaction time.
- Analyzed trends in customer service metrics to identify areas for improvement across the branch network.
- Reviewed suspicious activity reports from tellers; reported any violations to management immediately.
- Ensured proper security protocols were followed including verifying identification when necessary.
- Investigated discrepancies between actual cash counts and computer-generated totals.
- Implemented measures to reduce risk associated with financial crimes including money laundering.
- Managed daily operations within assigned branch locations; provided support during peak times or absences.
- Provided coaching and mentoring to individual team members; facilitated team building activities.
- Recruited, interviewed, hired, trained, evaluated, managed disciplinary actions, and terminated employees when needed.
- Established goals and objectives for the branch; monitored progress against those goals regularly.
- Collaborated with other departments to ensure smooth workflow processes across branches.
- Participated in professional development activities such as seminars or conferences related to banking regulations or best practices.
- Ordered checks, placed stop payment orders and conducted additional special services for customers.
- Managed and balanced cash vault, audits, and general ledger accounts.
- Supplied tellers with coin and currency.
- Met or exceeded sales goals by promoting bank products and services in customer interactions.
- Verified transactions involving cashier's checks, money orders and account transfers.
- Maintained optimal financial controls by securing funds and making accurate transactions.
- Promoted facility security by monitoring customer behaviors and following established protocols to protect individuals and assets.
- Verified amounts and integrity of every check or funds transfer.
- Helped customers open and close accounts, apply for loans and make sound financial decisions.
- Facilitated regular team meetings to communicate updates on bank policies and discuss strategies for operational improvement.
- Supervised and trained teller staff on bank policies, procedures, and customer service standards.
Education
High School Diploma -
Perth Amboy High School
Perth Amboy, NJ06-1993
Some College (No Degree) - Business Communication
Kean University
Union NJSkills
- Credit analysis
- Portfolio management
- Investment advising
- Budgeting assistance
- Retirement planning
- Loan processing
- Financial product sales
- Teller support
- Financial planning
- Loan origination
Languages
Spanish
Native/ Bilingual
Certification
Women's Council of Realtors former Event Director
Latinos of Realestate former Sponsorship Director
Puerto Rican Association for Human Development Advisory Board Member
Nahrep North Jersey Advisory Board Member
Fresh Break Down - President Break dance
Timeline
Branch Banker
PNC Bank
04.2024 - Current
Mortgage Loan Officer
Waterstone Mortgage
05.2023 - 01.2024
Mortgage Loan Officer
PNC Bank
01.2022 - 05.2023
Teller Supervisor /Mortgage Loan Officer
Provident Bank
04.2019 - 07.2021
High School Diploma -
Perth Amboy High School
Some College (No Degree) - Business Communication
Kean University
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