LUIS ROMERO
ELK GROVE,CA
Summary
A strong candidate with a solid foundation rooted in being dynamic, focused, and determined to achieve success in any environment. By encompassing solid communication and relationship building skills bound with an exceptional aptitude, has allowed for exponential professional growth in all areas. A self-motivated individual who thrives when multitasking and teamwork are essential for the success of a company’s mission and goals. Strong organizational and customer service skills, including the ability to prioritize, multitask, and work effectively/efficiently independently or with minimal supervision.
Professional with strong background in mortgage consulting, ready to deliver impactful results. Known for exceptional problem-solving skills, effective communication, and deep knowledge of lending practices. Adept at fostering team collaboration and adapting to changing needs, ensuring reliable outcomes. Equipped with strong analytical abilities and customer-focused mindset to drive success.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Mortgage Consultant
Guaranteed Rate
07.2016 - Current
- Processed residential mortgage loans in accordance with FHA/HUD and internal guidelines ensuring compliance with company standards.
- Reviewed and analyzed borrower profiles, tax returns, title reports, credit reports, income documentation and appraisal products.
- Properly assessed and handled fraud indicators using company guidelines.
- Determine eligibility/need for private mortgage insurance
- Gathered financial documents such as pay stubs/profit and loss statements, bank statements, pay stubs, tax returns, and Loan application and manually reviewed and calculated income to assure all matched.
- Guided clients through mortgage application processes, ensuring compliance with industry regulations.
- Analyzed financial documents to determine loan eligibility and suitability for various mortgage products.
- Developed tailored mortgage solutions based on individual client needs and financial goals.
- Educated clients on mortgage options, terms, and market trends to facilitate informed decision-making.
- Provided exceptional customer service throughout the entire mortgage process, resulting in repeat business and client referrals.
- Analyzed complex financial data to determine appropriate loan options for clients based on their unique circumstances.
- Maintained compliance with industry regulations and company policies while processing loan applications.
- 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.
- Checked loan documents for accuracy prior to closing.
- Analyzed and processed files using encompass, AUS system/LP/DU/GUS.
Loan Partner
Summit Funding Inc
03.2015 - 10.2016
- Facilitated communication between loan officers and clients to streamline application processes.
- Analyzed client financial information to determine loan eligibility and options.
- Developed comprehensive loan packages for submission to underwriting departments.
- Managed and tracked documentation flow to ensure compliance with industry regulations.
- Enhanced borrower satisfaction by providing exceptional customer service throughout the entire loan process.
- Managed a diverse pipeline of loans, prioritizing tasks effectively to meet deadlines and maintain quality standards.
- Collaborated with loan officers to ensure accurate and timely completion of loan applications, increasing overall productivity.
- Conducted regular pipeline reviews with management to assess progress toward team goals and identify areas for improvement.
- Demonstrated adaptability when handling various types of loans, including conventional mortgages, FHA loans, VA loans, and commercial financing options.
- Increased referral business through proactive outreach efforts and exemplary client relationship management skills.
- Developed strong relationships with title companies, insurance agents, and other third-party vendors to expedite loan closings.
- Identified potential issues with credit reports or property appraisals early in the process, addressing concerns promptly to avoid delays.
- Assisted borrowers in understanding complex financial information, ensuring proper decision-making regarding loan terms and conditions.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
Customer Relationship Manager
Bank OF America
03.2012 - 01.2015
- Manage large portfolio consisting of severely Delinquent home loans while finding resolutions to them such as Modification, Short Sale, Deed In Lieu, and Foreclosure.
- Provide financial consulting to customers facing hardships by assessing financial interviews while ensuring compliance with federal laws and company guidelines
- Serve as a liaison to administrative areas, internal departments, and business partners
- Send written correspondence communicating status/requesting missing documents for modification review.
- Gathered financial documents such as pay stubs/profit and loss statements, bank statements, tax returns, Modification application based on investor guidelines for modification review.
- Set up and Scheduled Trial period payments for modifications and monitored modification until finalized
- Served as a single point of contact to customer requesting home loan assistance by inbound and outbound calls.
- Execute and maintain corporate standards of quality for customer service
Home Service Specialist II/JR Underwriter
Bank OF America
03.2012 - 01.2014
- Processed residential mortgage loans in accordance with FHA/HUD and internal guidelines ensuring compliance with company standards.
- Reviewed and analyzed borrower profiles, tax returns, title reports, credit reports, income documentation and appraisal products.
- Properly assessed and handled fraud indicators using company guidelines.
- Determine eligibility/need for private mortgage insurance
- Gathered financial documents such as pay stubs/profit and loss statements, bank statements, pay stubs, tax returns, and Loan application and manually reviewed and calculated income to assure all matched.
- Worked with automated underwriting applications and properly assessed results.
- Structured loans according to lender requirements and credit quality.
- Reviewed appraisals for accurate property valuation.
- Obtained lending authority through Bank of America as result cleared prior to funding conditions when conditions were met as well as final approve loans.
- Ensure documentation was correct, free of red flags, and properly support credit decision.
- Issue loan approvals or adverse action notifications.
- Served as a single point of contact for customer and mortgage loan officer and provided both weekly updates to assure customer satisfaction.
- Execute and maintain corporate standards of quality for customer service
Bilingual Business Banker
Wells Fargo Bank
02.2011 - 03.2012
- Capitalize on opportunities originated by customer interaction to enhance the customers relationship with Wells Fargo by Marketing a full range of products and services.
- Provide financial consulting to customers facing hardships by assessing financial reviews while ensuring compliance with federal laws and company guidelines
- Serve as a liaison to administrative areas, internal departments, and business partners
- File research claims on accounts that need to be reviewed for missing transactions or possible fraud
- Increase/Decrease credit limits, process payments, advances on commercial loans and lines of credit
- Verify Balances, Deposits, withdrawals, and provide account history in a fast pace environment
- Assist Business owners find solutions to their financial needs
- Execute and maintain corporate standards of quality for customer service
Bilingual Customer Service Representative III (Assistant Manager/Team Lead)
HomEq Servicing- Barclay’s Bank
04.2009 - 12.2010
- Provided constant updates and performance tools to ensure accurate performance
- Execute and maintain the Quality of Service and standards set forth by HomEq Servicing
- Conducting weekly meetings to properly discuss trends and changes in call handling
- Maintained records of time away balances and tardies of each team member to assure they adhere to HomEq’s time away/Leave policies
- Defused escalated calls while being mindful of HomEq's core values.
- Communicated weekly updates and clarifications to entire Customer Service Department regarding policies and procedures, modifications, Loss Mitigation options, etc.
- Assisted in hiring and in the training of new hires
- Performed bi-weekly one on one coaching’s with team of 15 agents where I would offer feedback and suggestions to improve agents overall performance
- Created additional training classes and handouts when changes occurred in mortgage industry
Bilingual Account Research Specialist II
HomEq Servicing- Wachovia Bank
03.2008 - 04.2009
- Investigated highly escalated accounts and provided written resolutions to inquires
- Maintained high scores on evaluated letters
- Corrected/Updated accounts when needed (payment reversal, credit corrections, etc.)
- Worked directly with Cash, Credit, Escrow Departments to assure accurate handling of accounts
- Flagged accounts to be reviewed for possible fraudulent activity
- Ensured client satisfaction within HomEq’s policies and procedures
- Coded and assigned incoming correspondence daily
- Translated all Spanish correspondence
- Flagged accounts to be reviewed for possible fraudulent activity
Bilingual Customer Service Representative II
HomEq Servicing
01.2007 - 03.2008
- Provided financial counseling to those having a financial hardship
- Met and exceeded expectations on all evaluated calls
- Handled customer complaints and resolved issues as needed to ensure 100% customer satisfaction
- Took high number of inbound calls in both Spanish and English calls in fast-paced environment
- Assisted in special outbound campaigns to customers
- Took specially routed calls due to escalated issues and repeated call ins
Bilingual Customer Service Representative I
HomEq Servicing
06.2005 - 01.2007
- Took high number of inbound calls both in English and Spanish
- Clearly explained mortgage terms, escrow, and payment histories
- Ensure accuracy of billing for client fees
- Faxed out customers loan documents, payment histories, and Escrow analysis
- Accepted payments for customers and assured they were properly applied
- Execute and maintain corporate standards of quality for customer service
Education
Liberal Studies B.A. -
California State University of Sacramento
Skills
- Credit analysis
- Loan origination
- Portfolio management
- Loan processing
- Mortgage underwriting
Accomplishments
- Recently got recognized for closing over 3,500 loans at Guaranteed Rate Affinity.
- Nominated for HomEq Elite Award (HomEq’s highest honor)
- Top 10 performer every month
- Frequently recognized for attendance
Certification
- NMLS License 1023157
Languages
Spanish
Native or Bilingual
Timeline
Mortgage Consultant
Guaranteed Rate
07.2016 - Current
Loan Partner
Summit Funding Inc
03.2015 - 10.2016
Customer Relationship Manager
Bank OF America
03.2012 - 01.2015
Home Service Specialist II/JR Underwriter
Bank OF America
03.2012 - 01.2014
Bilingual Business Banker
Wells Fargo Bank
02.2011 - 03.2012
Bilingual Customer Service Representative III (Assistant Manager/Team Lead)
HomEq Servicing- Barclay’s Bank
04.2009 - 12.2010
Bilingual Account Research Specialist II
HomEq Servicing- Wachovia Bank
03.2008 - 04.2009
Bilingual Customer Service Representative II
HomEq Servicing
01.2007 - 03.2008
Bilingual Customer Service Representative I
HomEq Servicing
06.2005 - 01.2007
Liberal Studies B.A. -
California State University of Sacramento