Highly capable finance professional with solid background in loan origination and client management. Adept at navigating complex financial regulations while maintaining keen focus on client needs and satisfaction. Known for strong collaborative skills and results-driven approach, adapting seamlessly to dynamic environments.
Overview
1
1
Certification
33
33
years of professional experience
Work History
Loan Officer
Loan Factory, INC
San Jose, CA
06.2023 - Current
Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
Maintained strict confidentiality of bank records and client information.
Submitted loan applications to underwriter for verification and recommendations.
Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
Originated, reviewed, processed, closed, and administered customer loan proposals.
Meticulously reviewed applicant documentation, ensuring accuracy and completeness prior to submission for underwriting approval.
Assisted customers in understanding loan terms and conditions to make informed decisions.
Ensured compliance with all federal and state regulations throughout the loan origination process.
Collaborated with underwriters to expedite loan approvals and close deals in a timely manner.
Advised clients on mortgage, education and personal loans.
Conducted thorough credit analysis to minimize risk exposure for the financial institution.
Improved loan processing efficiency by streamlining application procedures and documentation requirements.
Provided detailed loan options to clients, enabling informed decisions that matched their financial goals.
Assisted customers with completing loan applications and other paperwork.
Negotiated loan terms and conditions with customers to secure best deal.
Monitored pipelines to track and log status of loans.
Real Estate Agent
Fathom Realty
08.2022 - Current
Managed contracts, negotiations, and all aspects of sales to finalize purchases and exceed customer expectations.
Negotiated, facilitated, and managed real estate transactions.
Advertised client properties through websites, social media, and real estate guides.
Maintained connections with clients to encourage repeat business and referrals.
Loan Officer
Affordable Home Finance
06.2022 - 06.2023
Coordinating communication and condition collection from the borrowers
Acquire a thorough knowledge of company products, policies, procedures, and underwriting requirements
Analyzing detailed financial and credit data; matching customer needs with an appropriate loan program and corporate risk matrices
Educate the benefit of reverse mortgage to borrowers
Take applications explaining the process
Processed loan applications and monitored progress from start to finish
Developed strong relationships with customers through high levels of customer service
Evaluated loan requests and documents to verify accuracy and completeness
Mortgage Loan Officer
Sovereign Lending Group
05.2022 - 06.2022
Mortgage Loan Officer
Sun West Mortgage Company
01.2022 - 04.2022
Mortgage Loan Officer
Liberty Reverse Mortgage/PHH Mortgage Corp.
12.2019 - 01.2022
Provided exceptional customer service throughout the entire loan process, consistently receiving positive feedback from clients.
Conducted comprehensive financial analyses to accurately assess borrower eligibility for reverse mortgage loans.
Increased loan application approvals by providing expert advice on reverse mortgage processes and requirements.
Resolved complex loan issues by applying industry knowledge and problem-solving skills to find solutions.
Assisted in developing tailored marketing strategies that resulted in increased awareness of available reverse mortgage products.
Proactively sought out opportunities for continuous improvement within the organization''s reverse mortgage processes.
Managed a diverse portfolio of clients, tailoring each strategy based on individual financial needs and goals.
Processed loan applications and monitored progress from start to finish.
Monitored pipelines to track and log status of loans.
Approved loan applications based on customer creditworthiness and provided detailed financial advice.
Established plans and payoffs for customers' loans, prioritizing control of overall costs.
Home Improvement Contractor
Sears Home Services
04.2019 - 11.2020
Completed remodeling of residential bathrooms, kitchens and basements.
Measured and marked cutting lines on materials, using rulers, pencils, chalk and marking gauge.
Interviewed clients to determine remodeling needs, budget and financing needs.
Managed multiple projects simultaneously, ensuring timely completion and adherence to quality standards.
Increased customer satisfaction by providing exceptional home improvement services, tailored to individual client needs.
Achieved high levels of client satisfaction by consistently completing projects within budget constraints.
Conducted thorough assessments of homes prior to starting projects, identifying potential issues and recommending appropriate solutions.
Auto Sales Consultant
Nissan Of Elk Grove
01.2019 - 04.2019
Facilitated smooth delivery of purchased vehicles by coordinating with detailing teams and ensuring all necessary paperwork was completed promptly.
Assisted in marketing efforts by participating in promotional campaigns, vehicle launches, and dealership events to attract potential customers.
Participated in continuous professional development opportunities such as industry seminars or workshops to stay current on automotive trends and technology advancements.
Provided ongoing support to clients after purchase completion, addressing concerns or questions to maintain satisfaction levels.
Consulted with sales and finance managers to negotiate sales price, trade-in allowance, license fee, discounts and financing or lease options on vehicle.
Auto Sales Consultant
Kuni Chevrolet Cadillac
02.2018 - 08.2018
Auto Sales Consultant
Elk Grove Ford
02.2015 - 07.2017
Telesales Representative
Verizon Wireless
02.2007 - 06.2013
Closed sales, including preparing contracts and processing order forms
Created detailed sales presentations to communicate product features and benefits
Provided pricing information to customers regarding specific products
Stayed knowledgeable on latest products and services advancements through training
Answered inbound telephone calls from interested customers to persuasively discuss offerings.
Overcame objections using friendly, persuasive strategies.
Delivered scripted sales talks to customers reached via manual and automatic dialing systems.
Processed credit payments to complete purchasing experience
Commercial/Residential Real Estate Agent
Elite Real Estate Group
01.2004 - 01.2007
Guided clients from beginning to end of home buying process in choosing right property.
Showed properties to potential buyers and other brokers at open houses and by appointment.
Informed home buyer of sales, construction and warranty processes.
Created virtual tours of homes listed, providing potential buyers with additional exposure to properties.
Scheduled and hosted open houses that showcased properties effectively, generating increased buyer interest levels.
Facilitated seamless closings by working closely with title companies, lenders, appraisers, inspectors during the escrow period.
Negotiated favorable contract terms for clients, resulting in successful real estate transactions.
Pharmacy Technician
Rite Aid Pharmacy
01.1994 - 04.2003
Coordinated verification and filling of more than daily prescriptions in high-volume pharmacy environment
Stocked, labeled and inventoried medication to keep accurate records
Solved customer problems in-person or over telephone by providing assistance with placing orders, navigating systems and locating items
Verified patient data and billing information to discover and resolve erroneous bills due to system errors
Liaised with other pharmacies to eliminate issues related to product expiration
Provided consultations and answered inquiries from patients, healthcare professionals and physicians regarding drugs, potential side effects and specified use
Consulted with insurance company representatives to complete claims processing, resolve concerns and reconcile payments
Ordered medicines daily to ensure compliance with demands and needs
Processed prescriptions per day in busy pharmacy achieving decreased customer wait times and maintaining excellent customer satisfaction
Calculated dosage, filled prescriptions and prepared prescription labels with absolute accuracy
Monitored ordering of pharmacy medication stock to maintain streamlined inventory
Helped pharmacist clear problematic prescriptions and address customer questions to keep pharmacy efficient
Answered incoming phone calls and addressed questions from customers and healthcare providers
Performed various pharmacy operational activities with strong commitment to accuracy, efficiency and service quality