Marisol Torres
El Paso,USA
Summary
Experienced Mortgage lending professional with comprehensive experience in loan origination and strong background in executing credit union strategies and a proven track record of identifying growth opportunities. Possess extensive real estate knowledge, success in client education and credit counseling, and excellent teamwork skills. Well-versed in loan products and member engagement strategies, actively pursuing opportunities to build connections, increase bank revenue, and cement loyalty. A top-performing professional in banking and finance, contributing to high-volume sales through exceptional member service and skilled at building lasting relationships with members and the community. Experienced in identifying and capitalizing on growth opportunities to drive business success.
Overview
24
24
years of professional experience
1
1
Certification
Work History
Mortgage Loan Officer II
Firstlight Federal Credit Union
04.2024 - Current
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- 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.
- Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Assessed borrowers' financial situations to determine appropriate mortgage products and loan structure.
- Participated in ongoing professional development programs to continuously expand knowledge of the mortgage industry and enhance skills as a loan officer.
- Developed strong partnerships with local real estate agents to generate consistent referral sources for mortgages.
- Promoted cross-selling opportunities within the organization by identifying additional financial products that would benefit clients beyond their mortgage needs.
- Developed and implemented marketing campaigns to generate new business opportunities.
Pre Need Counselor Supervisor
Texas Service Life Insurance
03.2017 - 03.2024
- Work from Home
- Prearrangement planner for funeral, cremation and burials
- Helping families preplan and pre pay for funeral arrangements
- Help clients choose from different types of services and funeral plans, counseling families before and after services
- Meeting with families and pre planning or and also planning funeral services in time of need.
- Increased online applications in El Paso by 80% for 2023.
Division Leader
Primerica
09.2004 - 03.2024
- Work from Home
- Life Insurance products knowledge, communication and negotiation abilities, sales orientation and computer competencies
- Meeting sales goals, explained various insurance policies and helped clients choose plans that suit them
- Called on policy holders to deliver and explain policies, to analyze insurance program and suggest additions or changes beneficiaries
- Performed administrative tasks, such as maintaining records and handling policy renewals.
- Managed over 55 client calls per day, and helped the company increase its sales.
Mortgage Loan Officer
GECU
05.2009 - 10.2013
- Actively seek out business leads through the community and real estate professionals.
- Analyze pre-qualifying information to determine viability of borrowers repayment ability
- Provide Mortgage counseling to applicants relevant to the risks and benefits of each loan program
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Package and submit loan applications to include FHA, VA, Conventional, Land Home Equity, Investment properties, 80/15/5 programs and bond loans.
Member Service and Sales Officer
GECU
05.2006 - 05.2009
- Specialize in consumer lending to include personal, auto and credit car products.
- Opened new accounts, business checking accounts and mortgage loan pre-screens.
- Assist with coaching and developing tellers on cross-selling products and services.
- Financial education to members with regard to budgeting and debt management.
Loan Operations Processor/Closer
GECU
06.2003 - 05.2006
- Finalize loan paperwork and funding for applicants on consumer loan products.
- Open new accounts, assist members and clients ia phone lines and in person to clarify loan detail and obtain signatures.
- Examine loan documentation to ensure accuracy with additional verification when needed.
- Enforce company service standards with regard to confidentiality and integrity.
Member Service and Sales Loan Officer
GECU
10.2001 - 06.2003
- Identify loan products and services that suite individual member financial needs
- Assist members and escrow analysis and basic mortgage-related servicing questions
- Open business and other specialized accounts based on member needs
- Assist with training exercises to help train and refresh staff on process and procedures.
Member Service Representative
GECU
01.2001 - 10.2001
- Process monetary transactions including postings, payments and check cashing
- Provide information to members while offering financial products and services
- Refer members to specialists or lenders based on their individual needs
- Balance daily drawer and perform closing duties as assigned.
Education
Bachelor's - Business Administration
University of Phoenix
Santa Teresa, NM09.2009
Bachelor's - Administration
El Paso Community College
El Paso, TX08.2000
Skills
- Bilingual
- Relationship Building
- Credit Counseling
- Credit Building
- Loans
- Financial product knowledge
- Business Development
- Client relationship management
- Sales expertise
- Loan application expertise
- Sales and marketing
Certification
Life and Health, TX, Licensed for over 20 years
Timeline
Mortgage Loan Officer II
Firstlight Federal Credit Union
04.2024 - Current
Pre Need Counselor Supervisor
Texas Service Life Insurance
03.2017 - 03.2024
Mortgage Loan Officer
GECU
05.2009 - 10.2013
Member Service and Sales Officer
GECU
05.2006 - 05.2009
Division Leader
Primerica
09.2004 - 03.2024
Loan Operations Processor/Closer
GECU
06.2003 - 05.2006
Member Service and Sales Loan Officer
GECU
10.2001 - 06.2003
Member Service Representative
GECU
01.2001 - 10.2001
Bachelor's - Administration
El Paso Community College
Bachelor's - Business Administration
University of Phoenix
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