MONICA TORRES
EL PASO,TX
Summary
Experienced with mortgage origination, underwriting, and client advisement. Utilizes comprehensive knowledge of lending regulations and market trends to offer valuable insights. Track record of building strong client relationships and ensuring high satisfaction rates.
Overview
21
21
years of professional experience
Work History
Mortgage Banker
Rocket Mortgage
Detroit Michigan
11.2020 - 12.2025
- Worked Remote in El Paso, TX. Pre-Approve, and carefully evaluate mortgage applications based on DTI, Credit History, and other qualifying factors. Originated tailored mortgage solutions for diverse client needs.
- Analyze daily loan rates, worked in different specialties both inbound and outbound sales calls, and followed up with past clients to maintain lifetime customers
- Licensed in multiple states and knowledgeable in state sanctioned rules and regulations regarding deposit requirements, mandated fees, and loan requirements.
- Quickly promoted to Executive Banker, then Presidents Club Banker within 2 years
Mortgage Banker
CMG Financial
El Paso, TX
07.2020 - 11.2020
- Consult with clients seeking to refinance or purchase a home and matched them up with the best loan product available for their needs
- Build relationships with realtors to help customers looking to get pre-approved to purchase a home
- Manage multiple loan files from start of application to loan funding, Worked with processors and underwriters to fix application problems and resolve issues.
Mortgage Banker
Wells Fargo
El Paso, TX, USA
10.2016 - 07.2020
- Consult with clients seeking to refinance or purchase a home and matched them up with the best loan product available for their needs
- Managed multiple loan files at a time from start of application to loan funding
- Build lasting relationships with clients and realtors and gained new referrals from past clients
- Consistently exceeded goals for funded units
Mortgage Banker
Loan Depot
Scottsdale, AZ, USA
01.2016 - 09.2016
- Consult with clients seeking to refinance their property and match customers up with the best loan product to fit their needs
- Proficient at utilizing internal systems to accurately quote and lock in current interest rates
- Build Relationships with clients based on trust, expertise, and needs based analysis.
- Manage client's file from inception to completion.
Pacesetter/Bilingual Sales Associate
Cox Communications
Phoenix, AZ, USA
02.2005 - 05.2013
- Team Leader Assistant for special projects and mentoring of new hires
- Manage team in supervisor's absence. Duties include reporting to upper management daily and weekly stats, coach to adherence and conversion rates, while responsible for own performance
- Assist new customer subscribing to Cox products and services by discovering their needs and building strong relationships based on overall customer satisfaction
- Consistently exceeded and far exceeded monthly sales quotes
Education
High School Diploma -
Clint High School
Clint, TX05-2001
Skills
- Loan structuring
- over 15 years Sales Experience
- Great at building rapport
- Self Motivated
- Relationship building
- Generating referrals
Timeline
Mortgage Banker
Rocket Mortgage
11.2020 - 12.2025
Mortgage Banker
CMG Financial
07.2020 - 11.2020
Mortgage Banker
Wells Fargo
10.2016 - 07.2020
Mortgage Banker
Loan Depot
01.2016 - 09.2016
Pacesetter/Bilingual Sales Associate
Cox Communications
02.2005 - 05.2013
High School Diploma -
Clint High School
Personal Information
Title: Licensed Mortgage Banker
Training
- Graduated Leadership Development Program
- Sales and Communication Training
- Monitoring and Coaching
- Training and Mentoring