Summary
Overview
Work History
Education
Skills
Languages
Certification
Timeline
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Milka Moreno Barajas

Milka Moreno Barajas

Fresno,CA

Summary

Dynamic Mortgage Loan Officer Assistant with a proven track record at Premier Mortgage Resources, excelling in credit analysis and customer service. Enhanced client satisfaction through meticulous document verification and streamlined processes, contributing to a significant increase in loan volume. Known for reliability and strong organizational skills, fostering productive relationships with clients and partners.

Overview

10
10
years of professional experience

Work History

Mortgage Loan Officer Assistant

Premier Mortgage Resources
11.2020 - Current
  • Managed a pipeline of mortgage applications, maintaining accuracy and prioritizing urgent cases.
  • Set up files using loan officer checklist and submitted on-time for processing.
  • Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
  • Continuously expanded knowledge of various mortgage products and lending guidelines to provide clients with the best possible solutions for their needs.
  • Maintained compliance with federal regulations by staying up-to-date with industry changes and guidelines.
  • Increased client satisfaction by providing exceptional customer service throughout the loan process.
  • Facilitated smooth loan closings by coordinating with title companies, attorneys, and borrowers.
  • Expedited pre-approval processes by accurately evaluating applicant income, credit history, and property values.
  • Streamlined communication between underwriters and loan officers, resulting in improved turnaround times.
  • Improved borrower experience through prompt follow-ups on inquiries and concerns during the application process.
  • Participated in weekly team meetings to exchange ideas for continuous improvement initiatives within the department.
  • Communicated with customers daily to request information and complete paperwork.

Mortgage Loan Officer Assistant

Sierra Pacific Mortgage
02.2018 - 11.2020
  • Maintained referral pipeline by reaching out regularly to real estate agents, referral partners, and past clients.
  • Reduced errors in submitted applications by meticulously reviewing documents for completeness and accuracy before submission to underwriting departments.
  • Supported loan officers with application processing, ensuring timely completion for quicker decisions.
  • Assisted in closing loans by efficiently gathering required documentation and submitting applications.
  • Developed strong relationships with real estate agents, increasing referral opportunities for mortgage loans.
  • Optimized internal processes for better efficiency by regularly updating department procedures manuals based on industry best practices.
  • Ensured accurate record-keeping by diligently organizing digital files related to each mortgage application.
  • Enhanced team productivity through effective organization and management of loan documents.
  • Assembled important paperwork and disclosures for borrower.
  • Answered inquiries and provided superior customer service to clients.
  • Reviewed and validated details of loan applications and closing documentation.
  • Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
  • Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered.
  • Verified credit histories, personal references and employment backgrounds for each applicant.
  • Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
  • Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
  • Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.

Mortgage Loan Officer Assistant

American Financial Network
01.2015 - 02.2018
  • Contributed to increased loan volume by proactively identifying potential clients and initiating contact.
  • Cultivated productive relationships with clients, realtors, and title/escrow officers to increase profits and expand customer base.
  • Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
  • Set up, stored and updated customer files, department records and regulatory paperwork.
  • Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
  • Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
  • Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
  • Managed a pipeline of mortgage applications, maintaining accuracy and prioritizing urgent cases.
  • Set up files using loan officer checklist and submitted on-time for processing.
  • Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
  • Continuously expanded knowledge of various mortgage products and lending guidelines to provide clients with the best possible solutions for their needs.
  • Maintained compliance with federal regulations by staying up-to-date with industry changes and guidelines.
  • Increased client satisfaction by providing exceptional customer service throughout the loan process.
  • Facilitated smooth loan closings by coordinating with title companies, attorneys, and borrowers.
  • Expedited pre-approval processes by accurately evaluating applicant income, credit history, and property values.
  • Streamlined communication between underwriters and loan officers, resulting in improved turnaround times.
  • Improved borrower experience through prompt follow-ups on inquiries and concerns during the application process.
  • Participated in weekly team meetings to exchange ideas for continuous improvement initiatives within the department.
  • Reduced errors in submitted applications by meticulously reviewing documents for completeness and accuracy before submission to underwriting departments.
  • Supported loan officers with application processing, ensuring timely completion for quicker decisions.
  • Assisted in closing loans by efficiently gathering required documentation and submitting applications.
  • Assembled important paperwork and disclosures for borrower.
  • Answered inquiries and provided superior customer service to clients.
  • Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
  • Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
  • Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.

Education

Golden West High School
Visalia, CA

Skills

  • Credit analysis
  • Loan origination
  • File management
  • Loan file review
  • Customer service
  • Problem-solving
  • Attention to detail
  • Reliability
  • Organizational skills
  • Verbal and written communication
  • Professionalism
  • Teamwork and collaboration
  • Document verification

Critical thinking

Languages

Spanish
Full Professional

Certification

  • NMLS 1507327

Timeline

Mortgage Loan Officer Assistant

Premier Mortgage Resources
11.2020 - Current

Mortgage Loan Officer Assistant

Sierra Pacific Mortgage
02.2018 - 11.2020

Mortgage Loan Officer Assistant

American Financial Network
01.2015 - 02.2018

Golden West High School

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