Lorraine Garcia
Los Angeles
Summary
Dynamic Loan Officer with proven expertise in loan evaluation, regulatory compliance, and customer relationship management. Committed to delivering exceptional service and streamlining processes for optimal client satisfaction.
Overview
22
22
years of professional experience
Work History
Loan Officer
Axxess Funding
Arcadia
03.2024 - 02.2026
- Evaluated loan applications for creditworthiness and compliance with regulations.
- Communicated loan options clearly to clients, ensuring understanding of terms.
- Collaborated with underwriters to streamline the approval process for loans.
- Provided exceptional customer service, addressing inquiries promptly and effectively.
- Analyzed market trends to recommend appropriate financing solutions to clients.
- Guided clients in gathering essential documentation for timely loan processing.
- Delivered high levels of customer service to facilitate smooth processes.
- Verified loan agreements for completeness and compliance with regulatory standards.
- Resolved customer inquiries regarding rates, products, and loan application status to enhance service quality.
Loan Officer
Mortgage Guys
West Hollywood
02.2018 - 06.2024
- Evaluated and approved loan applications based on established criteria.
- Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
- Guided customers through loan application requirements and deadlines to streamline processing.
- Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
- Conducted meetings with clients to assess financial needs and present tailored loan solutions.
- Advised customers on diverse loan products and credit options to enhance informed decision-making.
Escrow Owner
Infinite Escrow
West Hollywood
01.2008 - 01.2011
- Coordinated communication among buyers, sellers, and lenders to ensure smooth escrow processes.
- Facilitated effective communication between brokers, borrowers, and lenders to expedite transactions.
- Verified loan document accuracy prior to closing to prevent delays.
- Verified funds received were sufficient to cover closing costs prior to closing date.
- Processed escrow documents for timely transactions and compliance.
- Maintained accurate records of escrow files and transaction details.
- Collaborated with team members to ensure all aspects of an escrow are completed accurately.
- Notarized legal documents during transactions to ensure compliance with state laws.
- Reviewed files, records and other documents to obtain information or respond to requests.
Loan Officer
LoanEx Funding
Pasadena
10.2003 - 08.2008
Education
Associate of Arts - Paralegal
California State University
CASkills
- Loan evaluation
- Regulatory compliance
- Customer relationship management
- Document processing
- Financial analysis
- Market trend analysis
- Sales negotiation
- Loan origination
- Team collaboration
- Problem solving
- Administrative oversight
- Client service
- Hiring and staffing
- Verbal and written communication
Timeline
Loan Officer
Axxess Funding
03.2024 - 02.2026
Loan Officer
Mortgage Guys
02.2018 - 06.2024
Escrow Owner
Infinite Escrow
01.2008 - 01.2011
Loan Officer
LoanEx Funding
10.2003 - 08.2008
Associate of Arts - Paralegal
California State University