Summary
Overview
Work History
Education
Skills
Languages
References
Timeline
Generic

Norma Patricia Ascencio

Nampa,ID

Summary

Bilingual individual willing to go the extra mile to ensure quality service to each and every customer. A dependable Loan Specialist committed to explaining complex information in easy to understand terminology.

Overview

9
9
years of professional experience

Work History

Loan Officer

Keller Home Loans /Mutual Of Omaha Mortgage
Meridian , ID
08.2024 - 08.2024
  • Explained various types of loans available to customers and their associated terms and conditions.
  • Developed and maintained relationships with potential customers to increase loan business.
  • Maintained current knowledge regarding new laws, regulations, policies, procedures, products, services. related to consumer lending operations.
  • Reviewed credit histories, income statements, and other financial information of loan applicants.
  • Assisted in the development of new products and services for loan customers.
  • Interacted with underwriters, appraisers, title companies. during the processing of a loan application.
  • Participated in community events to promote bank's consumer lending services.
  • Attended periodic training sessions related to consumer lending operations.
  • Provided customer service support throughout the entire process from application through closing.
  • Delivered high levels of customer service to facilitate smooth processes.
  • Adhered to federal and state compliance guidelines relative to retail mortgage lending.
  • Performed daily maintenance of loan applicant database.
  • Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
  • Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
  • Built referral business by meeting with local financial planning, home builders and real estate professionals.
  • Managed pipeline for originated loans through closing and complete required management reports.
  • Tracked and managed new leads and followed up on referral business.
  • Improved loan applications and documentation by informing applicant of additional requirements.
  • Educated customers on variety of loan products and available credit options to promote valuable decision-making.
  • Met with applicants to obtain information for loan applications and answer questions about process.
  • Reviewed client documentation and contracts for discrepancies and mistakes.
  • Informed customers of loan application requirements and deadlines.

Real Estate Agent

Keller Williams
Boise , ID
12.2017 - 10.2020
  • Participated in community outreach programs to promote services offered by the company.
  • Coordinated appointments to show homes to prospective buyers.
  • Prepared comparative market analysis to estimate properties' value.
  • Generated leads through networking activities such as cold calls and referrals from past clients.
  • Provided guidance to clients throughout the entire buying or selling process.
  • Negotiated purchase agreements and contracts with buyers and sellers.
  • Assisted in the preparation of documents such as representation contracts, purchase agreements, closing statements, deeds and leases.
  • Managed sales pipeline by actively following up with prospects and hot leads.

Retail Store Manager

Big Lots Stores, Inc.
Boise , ID
11.2015 - 12.2017
  • Monitored store performance metrics, including sales, profitability and customer service ratings.
  • Analyzed financial data to identify areas of improvement or cost savings opportunities.
  • Coordinated special events such as promotions or seasonal displays.
  • Performed regular audits to ensure compliance with company standards.
  • Conducted regular inventory counts throughout the year to maintain accurate records.
  • Supervised daily operations of the retail store, including staff scheduling, inventory management and customer service.
  • Recruited, trained and managed a team of 20+ employees.
  • Conducted regular meetings with staff members to discuss performance issues or new initiatives.
  • Worked closely with vendors to negotiate contracts for goods or services.
  • Monitored employee performance and provided feedback on a regular basis.
  • Drafted detailed reports on store performance for upper management review.
  • Supervised receiving and stockroom activities to identify opportunities with inventory and prevent shrinkage.
  • Prepared employee performance appraisals, providing actionable feedback.
  • Maintained inventory accuracy by counting stock-on-hand and reconciling discrepancies.

Education

Associate of Science - Sports Rehab Therapy

Fremont College
Cerritos, CA
11-2009

High School Diploma -

Phineas Banning Senior High School
Wilmington, CA
08-1992

Skills

  • Financial planning expert
  • Collections proficiency
  • Bottom Line LoanMaster Loan Servicing
  • Equifax Application Engine
  • Customer service-focused
  • Documentation Review
  • Bilingual in Spanish
  • Team Player
  • Financial Counseling
  • Reliable
  • Database Management
  • Relationship building and management
  • Financial Services
  • Client Relations
  • Excellent time management
  • Excellent communicator

Languages

Spanish
Native/ Bilingual

References

References available upon request.

Timeline

Loan Officer

Keller Home Loans /Mutual Of Omaha Mortgage
08.2024 - 08.2024

Real Estate Agent

Keller Williams
12.2017 - 10.2020

Retail Store Manager

Big Lots Stores, Inc.
11.2015 - 12.2017

Associate of Science - Sports Rehab Therapy

Fremont College

High School Diploma -

Phineas Banning Senior High School

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Norma Patricia Ascencio