Rafael Acosta
Apopka,FL
Summary
Talented high producing finance professional with proven track record of providing financial services to clients while managing complex loan transactions and guidelines. Possesses deep understanding of credit risk analysis, loan origination and closing. Offers great time management and task prioritization skills. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Dependable in building customer base and exceeding business goals. Well-versed in loan products guidelines, exception tolerance and lending program understanding. Pursues opportunities to build connections, increase company revenue and cement loyalty. History of producing consistent referrals and maintaining high closing rates.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Mortgage Banker
Stockton Mortgage
08.2023 - Current
- Worked with underwriters to fix application problems and resolve issues.
- Evaluated client financial positions and identified most appropriate banking products.
- Located and pre-qualified customers for mortgages.
- Developed and implemented marketing campaigns to generate new business opportunities.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Assessed loan portfolios for compliance with underwriting policies.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
Mortgage Loan Officer
Hometown Lenders
05.2021 - 09.2023
- Communicated with customers daily to request information and complete paperwork.
- Assembled important paperwork and disclosures for borrower.
- Worked with Loan Officer to create application profile in system and review key information at various stages within process.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
Mortgage Loan Officer
American Bancshares Mortgage LLC
07.2020 - 05.2021
- Worked with underwriters to fix application problems and resolve issues.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Developed and implemented marketing campaigns to generate new business opportunities.
- Participated in industry events and conferences to build relationships and gain market intelligence.
Mortgage Loan Officer
Equity Prime Mortgage
05.2014 - 05.2020
- Worked with underwriters to fix application problems and resolve issues.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Educated on different types of loans pertaining to client situations.
- Identified opportunities to cross-sell and upsell loan products to customers.
Sales Manager
Windstream
07.2011 - 06.2014
- Handled customer relations issues, enabling quick resolution, and client satisfaction.
- Resolved customer issues quickly to close deals and boost client satisfaction.
- Conducted team meetings to reinforce goals and objectives and set clear expectations about policies and procedures.
- Coached and counseled sales personnel, assisting with individual selling efforts and helping sales representatives reach targets.
- Grew business to business telecommunication sales and boosted profits, applying proactive management strategies and enhancing sales training.
- Identified, hired and trained highly-qualified staff by teaching best practices, procedures, and sales strategies.
- Utilized metrics to modify low-performing sales and marketing programs and plans to increase effectiveness.
- Exceeded sales quotas and increased profitability through effective sales strategy and business planning.
Education
Bachelor of Science - Finance
University of Central Florida
Orlando, FL06.2003
High School Diploma -
Lake Brantley High School
Altamonte Springs, FL05.1997
Skills
- Sales Forecasting
- Relationship Selling
- Sales Development
- Risk & Exception Analysis
- Marketing Expertise
- Document Analysis
- Negotiation Tactics
- Residential Mortgage Lending Regulations
- Goal Planning
Accomplishments
- Achieved consistent top level production by completing effective marketing plan with accuracy and efficiency.
- Hired, trained and supervised a team.
- Resolved process issue through consistent consumer testing and implementation.
Certification
- License Mortgage Loan Officer #1111342 - 2014 to present
Languages
Spanish
Native or Bilingual
Timeline
Mortgage Banker
Stockton Mortgage
08.2023 - Current
Mortgage Loan Officer
Hometown Lenders
05.2021 - 09.2023
Mortgage Loan Officer
American Bancshares Mortgage LLC
07.2020 - 05.2021
Mortgage Loan Officer
Equity Prime Mortgage
05.2014 - 05.2020
Sales Manager
Windstream
07.2011 - 06.2014
Bachelor of Science - Finance
University of Central Florida
High School Diploma -
Lake Brantley High School
- License Mortgage Loan Officer #1111342 - 2014 to present
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