Ramon Guerra
Miami,FL
Summary
Seasoned in mortgage lending and underwriting, I excel in loan structuring and credit analysis, demonstrated at Caliber Home Loans. A bilingual team player, I've significantly contributed to business growth by enhancing loan processing efficiency and fostering client relations. My expertise ensures the best financial solutions for clients, aligning with employer needs.
Accomplished Loan Officer dependable in building customer base and exceeding business goals. Well-versed in loan products and customer engagement strategies. Pursues opportunities to build connections, increase bank revenue and cement loyalty.
Mortgage lending professional prepared to drive results in client-centric environments. Extensive experience in loan origination and fostering strong client relationships. Known for team collaboration and adaptability to changing market conditions. Proficient in financial analysis, regulatory compliance, and risk assessment.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Loan Originator
Lending Spot
08.2023 - Current
- Conducted thorough borrower assessments to determine appropriate loan products based on individual needs and qualifications.
- Collaborated with internal teams to ensure seamless coordination during the entire loan origination process.
- Reviewed credit reports and financial statements to accurately assess risk factors before submitting loans for approval.
- Negotiated favorable terms and conditions for clients, ensuring the best possible mortgage options.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
Senior Loan Originator
APMC Mortgage
01.2021 - 08.2023
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
- Interviewed applicants to assess loan requirements before suggesting offers.
- Negotiated favorable loan terms on behalf of clients, leading to more affordable mortgage options.
- Maintained up-to-date knowledge of industry trends and regulatory changes, applying this expertise to optimize lending strategies for clients.
Senior Loan Originator
Caliber Home Loans
04.2016 - 05.2019
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Interviewed applicants to assess loan requirements before suggesting offers.
- Assisted clients in selecting appropriate loan products based on their financial goals and needs, resulting in better-informed decisionmaking.
- Collected information from banks, institutions and employers to assess applicant eligibility.
- Developed and maintained relationships with customers, lenders and other third parties.
Mortgage Loan Underwriter
Caliber Home Loans
08.2013 - 04.2016
- Participated in quality assurance initiatives, monitoring adherence to company policies and best practices.
- Enhanced underwriting efficiency with thorough risk assessments and timely decisionmaking.
- Maintained compliance with regulatory standards and guidelines, mitigating potential risks to the organization.
- Maintained a deep understanding of various loan products available, expertly matching borrower needs with suitable options.
- Conducted comprehensive credit analyses to determine borrower eligibility and minimize default risks.
Education
Associate of Science - Business
Florida National University
Hialeah, FL06-1995
Skills
- Underwriting guidelines
- Loan structuring
- Goal oriented
- Document review
- Pipeline management
- Loan processing
- Credit evaluation
- Team player
- Credit analysis
- Mortgage lending
- Bilingual in Spanish
- Practiced at FHA loan process
- Financial analysis aptitude
- Financial advising
- Underwriting expertise
Certification
- Real Estate Salesperson License - Florida Real Estate Commission.
- Nationwide Mortgage Licensing System & Registry (NMLS) License - State Banking Authorities.
Languages
English
Native or Bilingual
Spanish
Native or Bilingual
Timeline
Loan Originator
Lending Spot
08.2023 - Current
Senior Loan Originator
APMC Mortgage
01.2021 - 08.2023
Senior Loan Originator
Caliber Home Loans
04.2016 - 05.2019
Mortgage Loan Underwriter
Caliber Home Loans
08.2013 - 04.2016
- Real Estate Salesperson License - Florida Real Estate Commission.
- Nationwide Mortgage Licensing System & Registry (NMLS) License - State Banking Authorities.
Associate of Science - Business
Florida National University
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