Summary
Overview
Work History
Education
Skills
Certification
Languages
Timeline
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Reynaldo Moya

Reynaldo Moya

West Park,FL

Summary

Highly experienced loan officer with 16 years of mortgage financing industry experience. Strong analytical skills and in-depth knowledge of financial products. Proven track record of securing millions of dollars in financing loans across different market cycles. Exceptional communication skills, both verbal and written, with a keen eye for detail. Possesses strong interviewing, organizational, and report writing skills. Committed to delivering exceptional customer service and contributing to the success of Chase Bank.

Overview

16
16
years of professional experience
1
1
Certification

Work History

Mortgage Loan Officer

Family Home Loans LLC
01.2021 - Current
  • Meet with Mortgage Prospects & Complete information required for Loan Application (1003)
  • As applicable, orders appraisals, title, survey, verifications, and any other items required for loan approval.
  • Worked with underwriters to fix application problems and resolve issues.
  • Reviewed loan files and updated to match current standards.
  • Increased loan volume by 20% through strategic marketing efforts and referral generation.
  • Explained diverse types of loans pertaining to client situations.
  • Successfully closed over $50 million in mortgage loans, contributing to company revenue growth.
  • Consistently exceeded monthly loan targets, achieving average of 120% of assigned goals.
  • Fielded customer complaints and provided solutions.
  • Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
  • Implemented sales strategies that established relationships with realtors and CPAs.
  • Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
  • Negotiated loan terms and conditions with clients to maximize profitability.

Mortgage Loan Officer

Florida Mortgage Solutions Group
07.2015 - 12.2020
  • Worked with underwriters to fix application problems and resolve issues.
  • Reviewed loan files and updated to match current standards.
  • Explained different types of loans pertaining to client situations.
  • Mange over 55 customer calls per day
  • Increased sales by 15%
  • Fielded customer complaints and provided solutions.
  • Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
  • Analyzes & decide whether loan application information meets guidelines.
  • Calculate income, review assets and liabilities.
  • Review all disclosures for completeness and compliance.
  • Maintain communication with customers throughout loan process, assisting them with any questions and notifying them of any additional requirements.

Mortgage Loan Officer

Equity Source Mortgage
09.2008 - 07.2015
  • Maintain and update loan application information within loan origination software.
  • Conduct regular follow-ups with all third party sources regarding outstanding documents.
  • Verify data collected, analyze, and decide whether any other documentation is needed.
  • Collaborated with underwriters to resolve complex loan application issues, resulting in 15% decrease in loan rejection rates.
  • Achieved 95% accuracy rate in completing loan applications and documentation, minimizing errors and ensuring compliance.
  • Calculate income, review assets and liabilities.
  • Review all disclosures for completeness and compliance.
  • Complete final application packages and submit eligible files for underwriting review.
  • Specify & collect additional documentation in reference to any applicable conditions.
  • Worked with underwriters to fix application problems and resolve issues.
  • Reviewed loan files and updated to match current standards.
  • Explained different types of loans pertaining to client situations.
  • Fielded customer complaints and provided solutions.

Software Engineer Developer

Motorola Mobility
06.1998 - 03.2008
  • Worked with software development and testing team members to design and develop robust solutions to meet client requirements for functionality, scalability and performance.
  • Prepared detailed reports on updates to project specifications, progress, identified conflicts and team activities.
  • Revised, modularized and updated old code bases to modern development standards, reducing operating costs and improving functionality.
  • Led cross-functional team of 8 engineers in successful development and launch of new mobile application, resulting in over 1 million downloads within first month.
  • Implemented performance optimization strategies that reduced application's loading time by 40%, resulting in improved user experience and increased customer satisfaction.
  • Collaborated with product managers to identify and resolve critical software bugs, resulting in 30% decrease in customer support tickets.
  • Gathered and defined customer requirements to develop clear specifications for project plans.
  • Installed and configured software applications and tested solutions for functionality.
  • Introduced agile methodologies and development best practices to division to enhance product development.

Education

MBA - International Business

University of Miami
Miami, FL
12.2005

Bachelor of Science - Computational Science

Nova Southeastern University
Davie, FL
08.2003

Skills

  • Exceptional analytical skills
  • In-depth knowledge of financial products
  • FHA Loan Processes
  • Regulatory Disclosure Preparation
  • Excellent communication skills, both verbal and written
  • Financial Service Solutions
  • Knowledge of VA Loan Process
  • Analytical and Critical Thinking
  • Strong interviewing skills
  • Excellent organizational skills
  • Strong report writing skills
  • Understanding of wealth and debt management

Certification

  • Licensed: Florida Mortgage Loan Originator
  • Licensed: Real Estate Sale Associated
  • Licensed: Florida General Contractor

Languages

Spanish
Native or Bilingual

Timeline

Mortgage Loan Officer

Family Home Loans LLC
01.2021 - Current

Mortgage Loan Officer

Florida Mortgage Solutions Group
07.2015 - 12.2020

Mortgage Loan Officer

Equity Source Mortgage
09.2008 - 07.2015

Software Engineer Developer

Motorola Mobility
06.1998 - 03.2008

MBA - International Business

University of Miami

Bachelor of Science - Computational Science

Nova Southeastern University

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Reynaldo Moya