Myra S. Ruperto
Gilbert,AZ
Summary
Results-driven Sr. Mortgage Loan Originator with a strong track record at Echo Home Loans, LLC, and Zero Point Mortgage. Skilled in relationship building and loan origination, with a focus on effective communication and market analysis. Successfully developed extensive referral networks while consistently achieving loan targets, demonstrating a commitment to client advocacy and efficient loan management.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Sr. Mortgage Loan Originator | Junior Partner
Echo Home Loans, LLC
Mesa, AZ
04.2023 - Current
- Maintained up-to-date knowledge of various loan products and compliance regulations.
- Developed tailored mortgage solutions by analyzing client requirements.
- Reviewed client documentation and contracts for discrepancies and mistakes.
- Attended local networking events to build relationships with potential clients.
- Assessed merits of loan applications and articulated logic behind either approval or rejection.
- Located and suggested loan packages that met client needs and priorities.
- Addressed and resolved applicant and borrower queries throughout the loan cycle.
- Analyzed new markets and developed referral networks to locate new loan prospects.
- Met with applicants to obtain information for loan applications and answer questions about theloan process.
- Compiled borrower information to verify eligibility for loans.
- Informed customers of application deadlines, approvals, and denials.
- Provided regular status updates to customers throughout the loan process.
- Established and nurtured relationships with real estate agents and other industry professionals.
- Leveraged CRM tools for efficient client management and follow-up tasks.
- Generated prequalification letters evaluating prospective borrowers' financial profiles including income, assets, and debt ratios.
- Analyzed borrowers' financial status to assess potential for loan approval.
- Guided customers through the loan application process, ensuring selection of suitable loan options.
- Participated in weekly sales meetings to review progress towards goals.
- Developed and implemented strategies to meet monthly loan targets.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
Sr. Mortgage Loan Originator
Zero Point Mortgage
Gilbert, AZ
11.2017 - 04.2023
- Developed relationships with real estate agents and other referral sources to increase loan origination volume.
- Maintained up-to-date knowledge of various loan products and compliance regulations.
- Reviewed credit histories from applicants and determined feasibility of granting requested loans.
- Analyzed new markets and developed referral networks to locate new loan prospects.
- Monitored loan progress, ensuring timely processing and closing.
- Stayed abreast of lending regulations, industry trends and market rates.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
- Addressed and resolved applicant and borrower queries throughout the loan cycle.
Operations Processor II
Wells Fargo & Company Dealer Services CollectionsT
Tempe, AZ
05.2017 - 11.2017
- Handled operational responsibilities within the service center or departmental framework.
- Complied with standards set by corporate and Complaint Management Office.
- Identified and documented irregular activities following department protocols.
- Meeting end-of-day deadlines consistently.
- Facilitated team efforts by aiding in workload processing during high-demand periods.
- Identify and escalate problems to management as appropriate.
- Ensure that the Dealer Services process and procedures follow Wells Fargo standards.
Education
Some College (No Degree) - Business
De Anza College
Cupertino, CAAssociate of Arts - Business Application And Marketing
Heald Business College
San Jose, CASkills
- Effective communication
- Attention to detail
- Loan processing
- Problem solving
- Relationship building
- Client advocacy
- Referral generation
- Goal orientation
- Documentation review
- Market awareness
- Pipeline management
- Loan origination expertise
- Loan application management
- Closing coordination
- Underwriting support
- Refinancing options
- Residential mortgage lending regulations
- Licensed mortgage loan originator
- Loan management
- Credit evaluation
- Goal oriented
- Multitasking Abilities
- Decision-making
- Mortgage compliance
- Customer relationship management
Languages
English
Native/ Bilingual
Filipino
Professional
Accomplishments
- Top female LO at Echo Home Loans.
- Consistently a Top 5 MLO at Zero Point Mortgage.
- Winning multiple awards at both companies.
- Achieved a promotion within 6 months of employment with Wells Fargo.
Certification
- Mortgage license NMLS 164522
- Mortgage State licenses in AZ, CA and FL
- Well versed in FHA, VA, Conventional, NON-QM and DSCR loan programs.
Affiliations
- I am passionate about charitable causes. I have volunteered several times at Feed My Starving Children and actively participate in fundraising and gathering essentials each year for the Operation Christmas Child / Samaritan's Purse charity.
- As a dedicated sports mom, I proudly support my daughter in her journey with All Stars competitive cheer.
- I am committed to continuous learning and personal development. I have a strong interest in exploring diverse environments, including art museums, science centers, and national parks. Additionally, visiting various countries is a shared aspiration for my family.
- I have a strong passion for hiking and a profound appreciation for the outdoors. I continuously seek challenges, as exploring diverse hiking locations provides me with a sense of achievement and fulfillment.
- I possess expertise in the organization of social events, where I demonstrate confidence and creativity in overseeing my husband's company's team-building activities and holiday gatherings.
References
References available upon request.
Timeline
Sr. Mortgage Loan Originator | Junior Partner
Echo Home Loans, LLC
04.2023 - Current
Sr. Mortgage Loan Originator
Zero Point Mortgage
11.2017 - 04.2023
Operations Processor II
Wells Fargo & Company Dealer Services CollectionsT
05.2017 - 11.2017
Some College (No Degree) - Business
De Anza College
Associate of Arts - Business Application And Marketing
Heald Business College
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