Peggy Loza
La Porte,IN
Summary
Detail-oriented mortgage loan officer with several years of experience. Adept at planning and working with clients for long periods of time. Committed to accuracy and financial success.
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
23
23
years of professional experience
Work History
Mortgage Loan Originator
CME Lending Group LLC DBA The Mortgage Exchange
Chesterton, Indiana
01.2023 - Current
- Developed and maintained relationships with local real estate agents.
- Complied applications and paperwork and double-checked for accuracy.
- Met with applicants to obtain information for loan applications and answer questions about loan process.
- Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
- Provided personalized loan options to meet clients' financial needs.
- Conducted risk assessments on loan applications using predictive models.
- Educated clients on the implications of changes in mortgage rates.
- Prepared and reviewed loan agreements to ensure accuracy and completeness.
- Collected and verified financial information from applicants.
- Conducted comprehensive financial analyses to assess borrower's ability to repay.
- Coordinated with underwriters for loan approval and final decision-making.
- Gathered client debt, credit and income information to determine loan eligibility.
Mortgage Loan Originator, Customer Service, Teller
Horizon Bank
La Porte, Indiana
05.2006 - 01.2023
- Originated loans and assisted senior-level credit officers with complex loan applications.
- Submitted applications to credit analysts.
- Complied applications and paperwork and double-checked for accuracy.
- Helped clients fill out loan applications and find ideal loan options.
- Applied banking knowledge and credit union programs to boost after-market product sales.
- Offered every customer exceptional service levels by remaining friendly and professional during every transaction.
- Processed term deposits, retirement savings plan contributions and mail deposits within processing time limits.
- Prepared official checks for customer and internal bank needs.
- Balanced daily cash deposits and vault inventory with zero error rate.
- Resolved problems or discrepancies concerning customers' accounts.
- Received and counted daily inventories of cash, drafts and checks.
- Transmitted orders to supply cash to meet daily needs.
- Verified amounts and integrity of every check or funds transfer.
- Identified transaction errors when debits and credits did not balance.
- Performed special services for customers, ordering bank cards and checks.
- Fulfilled diverse duties to provide customer service, operate money counters, balance and replenish ATMs, maintain accounts and open new accounts.
- Counted currency, coins and checks received to prepare for deposit or shipment to branch banks or Federal Reserve Bank.
Teller
1st Source Bank
La Porte, Indiana
07.2003 - 05.2006
- Cross-sold bank products by answering inquiries, informing customers of new services and promotions.
- Built and maintained client relationships through quality, personalized interactions.
- Issued and redeemed money orders, cashier checks, traveler's checks and savings bonds.
- Maintained confidentiality of bank records and client information.
- Trained employees on cash drawer operation.
- Performed transactional, operational, and customer support tasks through knowledge of bank procedures and products.
- Opened new checking, savings and lines of credit for customer accounts.
- Entered customer transactions into computers to record transactions and issue computer-generated receipts.
- Used a strong knowledge of banking products and services to confidently educate customers about features, benefits and pricing.
- Adhered to financial services security and audit procedures.
- Counted drawers and reconciled remaining cash to accost for deposits and dispersals.
- Identified and reported suspicious behavior to security personnel as appropriate.
- Delivered exceptional service to customers in person or over telephone.
- Counted currency, coins and checks received to prepare for deposit or shipment to branch banks or Federal Reserve Bank.
- Resolved problems or discrepancies concerning customers' accounts.
- Balanced daily cash deposits and vault inventory with zero error rate.
- Processed term deposits, retirement savings plan contributions and mail deposits within processing time limits.
Education
New Prairie High School
New Carlisle, INSome College (No Degree) - Business And Accounting
Purdue North Central
Westville , INSkills
- Loan structuring
- Referral generation
- Residential mortgage lending regulations
- Refinancing options
- Data entry
- Time management
Languages
Spanish
Native/ Bilingual
Greek
Professional
Affiliations
- New Prarie Band Booter board member (President) 2025-
- Former Treasurer 2024-2025
- Concession volunteer for football and track seasons
Timeline
Mortgage Loan Originator
CME Lending Group LLC DBA The Mortgage Exchange
01.2023 - Current
Mortgage Loan Originator, Customer Service, Teller
Horizon Bank
05.2006 - 01.2023
Teller
1st Source Bank
07.2003 - 05.2006
New Prairie High School
Some College (No Degree) - Business And Accounting
Purdue North Central