Raul Ramirez
Tempe,AZ
Summary
Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service.
Overview
18
18
years of professional experience
Work History
Loan Originator
Spartan Lending
05.2023 - Current
- Increased loan application approvals by developing and maintaining strong relationships with borrowers and underwriters.
- Streamlined the loan origination process for improved efficiency and faster closing times
- Reduced processing time by proactively addressing potential issues in loan applications, ensuring accurate documentation.
- Assisted clients with complex financial situations, providing tailored solutions to meet their unique needs.
Loan Originator
Garibay Financial LLC
01.2023 - 05.2023
- Increased loan application approvals by developing and maintaining strong relationships with borrowers and underwriters.
- Streamlined the loan origination process for improved efficiency and faster closing times
- Reduced processing time by proactively addressing potential issues in loan applications, ensuring accurate documentation.
- Assisted clients with complex financial situations, providing tailored solutions to meet their unique needs.
Loan Originator
First Option Mortgage
08.2022 - 01.2023
- Increased loan application approvals by developing and maintaining strong relationships with borrowers and underwriters.
- Streamlined the loan origination process for improved efficiency and faster closing times
- Reduced processing time by proactively addressing potential issues in loan applications, ensuring accurate documentation.
- Assisted clients with complex financial situations, providing tailored solutions to meet their unique needs.
Loan Originator
Loan Depot
05.2021 - 08.2022
- Increased loan application approvals by developing and maintaining strong relationships with borrowers and underwriters.
- Streamlined the loan origination process for improved efficiency and faster closing times
- Reduced processing time by proactively addressing potential issues in loan applications, ensuring accurate documentation.
- Assisted clients with complex financial situations, providing tailored solutions to meet their unique needs.
Loan Originator
NFM Inc
01.2018 - 02.2021
- Increased loan application approvals by developing and maintaining strong relationships with borrowers and underwriters.
- Streamlined the loan origination process for improved efficiency and faster closing times
- Reduced processing time by proactively addressing potential issues in loan applications, ensuring accurate documentation.
- Assisted clients with complex financial situations, providing tailored solutions to meet their unique needs.
Loan Originator
All Western Mortgage
02.2017 - 02.2018
- Increased loan application approvals by developing and maintaining strong relationships with borrowers and underwriters.
- Streamlined the loan origination process for improved efficiency and faster closing times
- Reduced processing time by proactively addressing potential issues in loan applications, ensuring accurate documentation.
- Assisted clients with complex financial situations, providing tailored solutions to meet their unique needs.
Mortgage Underwriter
Wells Fargo
01.2012 - 02.2018
- Conducted comprehensive credit analyses to determine borrower eligibility and minimize default risks.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Reviewed appraisals and title documents to verify accuracy and completeness.
Mortgage Loan Processor
Wells Fargo
10.2005 - 02.2018
- Assisted underwriters in approving loans by verifying financial information and ensuring accurate documentation.
- Processed loans for all 50 states
- Was on specialized Texas only team
- Maintained & managed a pipeline of over 50 loans
Education
High School Diploma -
Marcos De Niza High School
Tempe, AZ05.2005
Skills
- Financial analysis
- Sales expertise
- Regulatory compliance
- Customer service
- Credit evaluation
- Market knowledge
- Networking abilities
- Team collaboration
- Relationship building
- Pipeline management
- Strong communication
- Loan structuring
- Loan processing
Timeline
Loan Originator
Spartan Lending
05.2023 - Current
Loan Originator
Garibay Financial LLC
01.2023 - 05.2023
Loan Originator
First Option Mortgage
08.2022 - 01.2023
Loan Originator
Loan Depot
05.2021 - 08.2022
Loan Originator
NFM Inc
01.2018 - 02.2021
Loan Originator
All Western Mortgage
02.2017 - 02.2018
Mortgage Underwriter
Wells Fargo
01.2012 - 02.2018
Mortgage Loan Processor
Wells Fargo
10.2005 - 02.2018
High School Diploma -
Marcos De Niza High School