Paloma Irigoyen
San Tan Valley,AZ
Summary
Proactive and goal-oriented professional with excellent time management and problem-solving skills. Known for reliability and adaptability, with swift capacity to learn and apply new skills. Committed to leveraging these qualities to drive team success and contribute to organizational growth. Detail-oriented individual with exceptional communication and project management skills. Proven ability to handle multiple tasks effectively and efficiently in fast-paced environments. Recognized for taking proactive approach to identifying and addressing issues, with focus on optimizing processes and supporting team objectives.
Overview
24
24
years of professional experience
Work History
Certified Loan Signing Agent
Self Employed
08.2024 - Current
- Facilitated smooth transactions by conducting comprehensive pre-signing document reviews.
- Conducted thorough review of loan documents prior to signing appointments, ensuring accuracy and completeness of information.
- Worked with team to prepare commitment and pre-approval letters.
- Interacted with clients to prepare necessary documentation.
- Prepared thorough loan packages, reducing errors and expediting processing times for lenders.
- Enhanced client satisfaction through timely and accurate completion of loan signings.
- Maintained up-to-date knowledge on industry standards, laws, and best practices to provide exceptional service to clients.
- Expedited funding timelines by promptly returning signed documents to title companies or escrow officers upon completion of signings.
Personal Loan Consultant
Wells Fargo
05.2022 - 05.2024
- Supported clients throughout the entire loan process, addressing concerns and answering questions promptly.
- Enhanced collaboration with underwriting teams to expedite loan processing and approval times.
- Improved customer loan application experience by providing personalized consultations and guidance.
- Ensured compliance with lending regulations by meticulously reviewing applications for accuracy and completeness.
- Collaborated with collection teams to minimize losses from delinquent accounts while maintaining positive customer relationships.
- Spearheaded initiatives to streamline internal processes, improving efficiency within the personal loans department.
- Assisted clients in finding the best financial solutions for their needs through thorough assessment and analysis.
- Built strong relationships with clients, fostering trust and loyalty to ensure repeat business.
- Streamlined the loan application process, resulting in faster approvals and disbursements for customers.
Sr. Processor
Bryan Morrison Mortgage
10.2021 - 04.2022
- Broker loan processor
Sr Processor
Caliber Home Loans
10.2020 - 08.2021
Loan Originator
Cardinal Financial
02.2020 - 09.2020
- Assisting consumers who are seeking mortgage loans, assisting the borrower in determining the proper loan program, completing the loan application and gathering the necessary paperwork, including pay stubs, tax returns and bank statements, to begin the loan process, obtaining credit report and analyzing. During the mortgage loan process, the mortgage originator communicates with the appraiser, title officer, escrow officer, loan processor and underwriter
Sr Loan Processor
American Pacific Mortgage
08.2016 - 07.2018
- Provide support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages. Review and verify borrowers' income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal. Ensure compliance with company policies, underwriting guidelines and lending-program requirements. Gathered information at the direction of underwriters to fulfill investor guidelines. Worked with multiple departments and venders to provide a smooth borrower experience. Implemented business loan decision based on established policies, rules, guidelines, and credit risk procedures. Conducted research and problem solving techniques to ensure compliance with customer loyalty, quality and timeliness standards
- Achievement Highlights:
- O Outperformed company average in achieving loan-processing turn-around time of 12 days or less (compared to typical 20 to 30 days).
- O Ensured all files were complete prior to underwriting hand-off and coordinated effectively with title companies to ensure smooth closings.
- O Processed challenging loan applications (e.g., first-time borrowers, self-employed applicants and borrowers with problematic credit histories).
Mortgage Underwriter
Bank of America
01.2010 - 01.2016
- Was responsible for the timely review and disposition of conforming mortgage loan applications. Worked within company guidelines to make calculations for qualifying and administered decisions using proprietary Bank of America loan origination systems. Responsibilities included maintaining a working knowledge of all conventional conforming and Modifications loan guidelines.
- Stayed in the highest tier of customer loyalty scores by maintaining top-notch turn times
- Consistently met or exceeded company requirements relating to quality audits
- Improved department efficiency by helping on second level reviews to other peers to improve quality assurance percentages.
Underwriter
Wells Fargo
01.2009 - 01.2010
- Responsible for obtaining and verifying credit information including bank accounts, employment, credit, and mortgage history for Conventional mortgage loan applications; Determined loan eligibility by applying procedural knowledge and guidelines; Ordered all necessary verifications/disclosures and appraisals; Prepared and sent out docs for signing and closing consistently meeting COE dates.
Senior Loan Processor
GMAC
01.2008 - 01.2009
- Maintained a high volume pipeline and closed and average of 50 loans per month, Responsible for underwriting conventional loans and processed Government, VA, Conventional loans and Purchases, Loans included FHA loans and VA loan, Conventional loans, prime and sub-prime. Obtaining CAIVRS, FHA numbers
REAL ESTATE SALESPERSON
REMAX UPTOWN
01.2006 - 01.2008
- Provided prospective buyers with the required information and procedures to make an informed decision when purchasing or listing a home. Reviewed and issued paper work, disclosures and coordinated property inspection to ensure the safety and legal requirements due at time of closing.
Underwriter/ Processing department manager
Pacific Gold Mortgage
01.2001 - 01.2006
- Responsible for sending initial disclosure to borrowers, Reviewed loan application and loan product for completeness, Ordered appraisal, flood, hazard insurance, VOD, VOR, MI insurance and title, Followed-up with borrower on receipt of condition documentation, Cleared conditions and prepared file for loan closing, Issued closing documents to title for signing, ordered funding wire, reviewed HUD-1, and balanced with title for funding, and Completed all closing forms and prepared file for shipping. In charged of 10+ loan officers, responsible for daily meeting and weekly trainings to help improve quality of files submitted by L.O and carried a pipeline of 45 loans per month, Reviewed income and asset documentation, Ordered appraisals, prelims, purchase contracts, and hazard insurance, closing documents. Communicated with borrowers for needed conditions.
Education
Inactive Real Estate Sales Person Licensee -
Western Ford Real Estate College
Glendale, AZ01.2006
License - undefined
Arizona School of Real Estate & Business
Scottsdale, AZReal Estate & Business
Arizona School of Real Estate & Business
Scottsdale, AZSkills
- Credit (10 years)
- Loans (10 years)
- Underwriting (6 years)
- Sales
- Property Management
- Customer service
- Credit analysis
- Negotiation
- Excellent customer service
- Notary public certification
- Strong communication skills
- Proactive problem-solving
- Meticulous attention to detail
- Adaptable to change
- Multitasking
- Customer service-focused
Languages
Spanish - Expert
Timeline
Certified Loan Signing Agent
Self Employed
08.2024 - Current
Personal Loan Consultant
Wells Fargo
05.2022 - 05.2024
Sr. Processor
Bryan Morrison Mortgage
10.2021 - 04.2022
Sr Processor
Caliber Home Loans
10.2020 - 08.2021
Loan Originator
Cardinal Financial
02.2020 - 09.2020
Sr Loan Processor
American Pacific Mortgage
08.2016 - 07.2018
Mortgage Underwriter
Bank of America
01.2010 - 01.2016
Underwriter
Wells Fargo
01.2009 - 01.2010
Senior Loan Processor
GMAC
01.2008 - 01.2009
REAL ESTATE SALESPERSON
REMAX UPTOWN
01.2006 - 01.2008
Underwriter/ Processing department manager
Pacific Gold Mortgage
01.2001 - 01.2006
License - undefined
Arizona School of Real Estate & Business
Real Estate & Business
Arizona School of Real Estate & Business
Inactive Real Estate Sales Person Licensee -
Western Ford Real Estate College
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