Detail-oriented Mortgage Loan Officer with 3+ years of experience. Adept at planning and working with clients for long periods of time. Committed to accuracy and financial success. Exemplifies efficiency, accuracy, communication fluency, and meticulous business management. Works well under pressure and very adaptable to most situations. Excellent organization, prioritization, and negotiation skills. Reliable and proficient in daily work environments and flexibility in work schedule.
Overview
29
29
years of professional experience
1
1
Certification
Work History
Mortgage Loan Officer
RJ Financial Services, Inc.
San Antonio , TX
03.2023 - Current
Developed relationships with real estate agents, builders and other referral sources in order to generate business leads.
Assessed customer financial status and credit worthiness to determine eligibility for mortgage loans.
Conducted interviews with prospective clients to gather information regarding loan applications.
Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility.
Prepared loan documents such as commitment letters, closing statements, promissory notes and deed of trust.
Excellent knowledge and understanding of sales prospecting and generation of referrals.
Negotiated terms and conditions of loan agreements with borrowers.
Helped clients fill out loan applications and find ideal loan options.
Complied applications and paperwork and double-checked for accuracy.
Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
Kept detailed records regarding approved, denied and received loan applications.
Approved or denied loan applications and explained reasoning behind decisions.
Mortgage Loan Officer
Home Loan Experts, LLC
San Antonio , TX
03.2021 - 03.2023
Developed relationships with real estate agents, builders and other referral sources in order to generate business leads.
Assessed customer financial status and credit worthiness to determine eligibility for mortgage loans.
Conducted interviews with prospective clients to gather information regarding loan applications.
Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility.
Prepared loan documents such as commitment letters, closing statements, promissory notes and deed of trust.
Excellent knowledge and understanding of sales prospecting and generation of referrals.
Negotiated terms and conditions of loan agreements with borrowers.
Helped clients fill out loan applications and find ideal loan options.
Complied applications and paperwork and double-checked for accuracy.
Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
Kept detailed records regarding approved, denied and received loan applications.
Approved or denied loan applications and explained reasoning behind decisions.
Managed and administered active and dormant accounts
Well versed in issuance of Property and Casualty policies for individuals and business owners.
Excellent rapport with clientele, marketing managers, underwriters, and vendors.
Negotiated sales, Negotiated contracts, and issued policies (Property and Casualty, Business, Commercial, Annuities and Life) for top rated insurance companies in the insurance industry.
Ensured compliance with applicable laws, regulations, and company policies while selling insurance products.
Maintained accurate records of all insurance transactions using computer software systems.
Prepared documents such as applications, endorsements, renewals, cancellations, or other forms required by law or company procedures.
Processed payments received from clients promptly according to established procedures.
Explained different options to prospective clients, encouraging sale of insurance policies that best fit needs.
Education
Bachelor of Science - Mathematics
University of Texas
San Antonio, TX
05-1990
Skills
Relationship selling
Sales Development
Sales Forecasting
Negotiation Tactics
Builds business relationships through community involvement and related activities
Participated in industry and community organizations as a female minority business owner
Conducted professional presentations and proposals to prospective B2B and B2C prospective clients as well as existing clients
Excellent public speaker
Customer Service Proficiency
Computer Proficiency
Languages
English
Full Professional
Spanish
Native/ Bilingual
Certification
NMLS #1833000
Group I Insurance License (Heath, Life and annuities)
General Lines Agent (Property and Casualty)
Accomplishments
Featured in Nancy O Magazine (Summer 2017)
Top Sales Producer (Progressive Insurance)
Affiliations
Executive member of Black and White Ball
Prior member of The Women's Club of San Antonio
Member of CDA (Catholic Daughters of America) - Vice Regent
Member of LULAC (League of United Latin American Citizens)
Prior member of Northside and Hispanic Chambers of Commerce