Nina De La O Hernandez
San Antonio,TX
Summary
Mortgage Professional with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Mortgage Loan Originator
Mann Mortgage Dba Ithink Mortgage
10.2023 - 02.2024
- Evaluated loan requests and documents to verify accuracy and completeness.
- Collaborated with sales agents, financial planners and accountants to attract clients and enhance beneficial partnerships.
- Worked with underwriters to fix application problems and resolve issues.
- Worked closely with borrowers experiencing financial hardship, helping them explore alternative financing options or refinancing solutions.
Data Remediation Analyst
Strategic Staffing Solutions
10.2021 - 01.2022
- Conducted thorough data analysis to identify trends, patterns, and anomalies for accurate reporting.
- Improved data quality by identifying and resolving data discrepancies in various systems.
- Streamlined data remediation processes for increased efficiency and accuracy.
- Worked effectively in fast-paced environments.
Mortgage Loan Processor
Angel Oak Home Loans
12.2020 - 03.2021
- Reviewed and validated details of loan applications and closing documentation.
- Contributed to business growth through diligent work on complex loan applications that resulted in successful closings.
- Developed strong working relationships with real estate agents, further expanding referral networks for the company.
- Reviewed financial statements and contacted institutions and customers to clarify details.
Mortgage Loan Processor
Manpower Staffing
08.2020 - 11.2020
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Supervised a team of junior processors, ensuring consistent adherence to best practices and providing ongoing support as needed.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
Mortgage Loan Processor
Eagle Home Mortgage
06.2020 - 08.2020
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Optimized workflow management by prioritizing high-priority tasks and meeting strict deadlines consistently.
Licensed Mortgage Loan Originator
KBHS Home Loans
08.2017 - 05.2018
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Developed and maintained relationships with customers, lenders and other third parties.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
Mortgage Loan Officer Assistant
Pilgrim Mortgage
10.2015 - 03.2017
- Expedited pre-approval processes by accurately evaluating applicant income, credit history, and property values.
- Increased client satisfaction by providing exceptional customer service throughout the loan process.
- Maintained referral pipeline by reaching out regularly to real estate agents, referral partners, and past clients.
- Maintained compliance with federal regulations by staying up-to-date with industry changes and guidelines.
Mortgage Loan Processor
Legacy Mutual Mortgage
09.2013 - 09.2015
- Passionate about learning and committed to continual improvement.
- Managed time efficiently in order to complete all tasks within deadlines.
- Proven ability to learn quickly and adapt to new situations.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
Mortgage Loan Processor
Houstonian Mortgage Dba Residence Lending
12.2008 - 05.2010
- Ensured compliance with federal lending regulations through meticulous attention to detail during the loan processing phase.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
- Communicated with originator and applicant concerning progress of loan file.
Education
High School Diploma -
Thomas Edison High School
San Antonio, TXSkills
- Residential mortgage lending regulations
- Loan Processing
- Pipeline Management
- Problem-Solving
- Self-Directed
- Licensed Mortgage Loan Originator
- Underwriting guidelines
- Loan structuring
- NMLS Registration
- Customer service-focused
Certification
- Licensed Mortgage Loan Originator - NMLS 1123254
Timeline
Mortgage Loan Originator
Mann Mortgage Dba Ithink Mortgage
10.2023 - 02.2024
Data Remediation Analyst
Strategic Staffing Solutions
10.2021 - 01.2022
Mortgage Loan Processor
Angel Oak Home Loans
12.2020 - 03.2021
Mortgage Loan Processor
Manpower Staffing
08.2020 - 11.2020
Mortgage Loan Processor
Eagle Home Mortgage
06.2020 - 08.2020
Licensed Mortgage Loan Originator
KBHS Home Loans
08.2017 - 05.2018
Mortgage Loan Officer Assistant
Pilgrim Mortgage
10.2015 - 03.2017
Mortgage Loan Processor
Legacy Mutual Mortgage
09.2013 - 09.2015
Mortgage Loan Processor
Houstonian Mortgage Dba Residence Lending
12.2008 - 05.2010
High School Diploma -
Thomas Edison High School
- Licensed Mortgage Loan Originator - NMLS 1123254
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