Robert Reyes
Miami,FL
Summary
Highly personable financial professional with a strong background in digital consumer direct lending, retail banking and customer service. Thoroughly skilled in collaborating with all departments and team members to achieve organizational goals while exceeding management objectives. Instrumental in communicating and building rapport with clients throughout the entire mortgage loan process. Continuously seeks new ways to increase network connections and sales, encourage homeownership and contribute to the company’s growth and image in the community.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Financial Wellbeing Coach
Operation HOPE, Inc.
Remote/Hybrid travel
10.2023 - Current
- Conduct client and consultant interactions using Strategic Client Management methodologies and tools
- Recruit, build and lead clients in order to achieve strategic performance objectives
- Build productive relationships with Bank Partners for shared Client relationships
- Promote Operation HOPE, Inc
- Solutions via social media
- Schedule and facilitate workshops on financial literacy topics i.e
- Credit, money management
- Coach individuals by phone and in-person
- Liaison with partner and the community strategic alliances
- Coordinate and schedule coaching sessions
- Schedule workshops in the bank and the community
- Maintain client data for impact reporting into the CRM system
- Build and maintain community alliances and execute marketing objectives
- Help clients build a debt reduction action plan
- Work with clients in Spanish and English.
Senior Mortgage Loan Advisor
Freedom Mortgage
Boca Raton, FL
05.2023 - 10.2023
- Analyzes applicant information to determine whether the client is likely to qualify for the desired loan program
- Assists customers in choosing the proper program that best fits their needs and takes the initial loan application
- Provides guidance on the risks and benefits of the different programs available to the client
- Explains and communicates the terms of each product and ensures that all of the required documents and disclosures are signed and returned in a timely manner
- Builds relationships with both internal and external business partners.
Senior Mortgage Loan Originator (remote)
Planet Home Lending, LLC
Meriden, CT
10.2022 - 02.2023
- Build rapport with company provided leads to build and manage a pipeline of pre-approved homebuyers while nurturing and educating new applicants of the mortgage process
- Assist applicants with credit challenges with short-term and long-term solutions
- Analyze credit, income, asset, and tax documentation to qualify applicants while adhering to company and investor guidelines and policies
- Submit quality files to processing and underwriting with minimal conditions
- Work closely with applicants, processing, underwriting, and closing teams to ensure a smooth home buying process from beginning to end.
Mortgage Loan Advisor
Tomo Mortgage LLC
Stamford, CT
05.2021 - 09.2022
- Develop relationships with agents in the local market ensuring they feel confident in the team’s ability to close a loan on time
- Consistently research local market conditions and shares insights with market teammates to ensure customers feel confident in Tomo’s ability to provide services needed for their home purchase
- Innovate and provide real-time feedback to constantly improve the customer mortgage experience
- Provide subject matter expertise relating to product information, sales techniques, and/or loan structuring help that can be used to help “save a deal”
- Manage a pipeline of pre-approved customers, with a focus on the more complex loans, to be shepherded through to a quick, smooth closing
- Drive consumers to get underwritten prior to making an offer to maximize their chance of success, especially in competitive markets
- Deliver complete loan files into Fulfillment in a way that enables their downstream Team members to work the file immediately and effectively
- Support the Loan Officers and Processors on the team, providing necessary coaching and mentoring to increase the team’s productivity and facilitate their career development within Tomo.
Mortgage Loan Officer
Fairfield County Bank
Ridgefield, CT
08.2018 - 05.2021
- Performed the loan origination function while working alongside and supporting Underwriting, Processing, Closing, and Compliance Departments
- Developed a network of referral sources, provided counsel and guidance to many first-time home buyers
- Interviewed and qualified customers based on a thorough review of credit and standard documents while adhering to all regulatory and product guidelines
- Delivered perfectly packaged loan applications using Ellie Mae’s Encompass for streamlined processing and underwriting.
Customer Service Representative
Fairfield County Bank
Ridgefield, CT
08.2017 - 08.2018
- Opened new accounts for customers and businesses while cross selling bank products and services
- Processed customer transactions including deposits, withdrawals, and transfers without errors while identifying customer’s needs and opportunities to cross sell
- Handled customer complaints and ensured the highest degree of customer satisfaction in a timely manner
- Processed and balanced ATM’s, Coin machines, Teller Cash Recyclers (TCR’s), Dyna Cash Dispensers, and Vaults.
Certified Bank Teller
Fairfield County Bank
Ridgefield, CT
09.2015 - 08.2017
- Processed customer transactions including deposits, withdrawals, and transfers without errors while identifying customer’s needs and opportunities to cross sell
- Processed and balanced ATM’s, Coin machines, Teller Cash Recyclers (TCR’s), Dyna Cash Dispensers, and Vaults.
Education
Miami Dade College
01.2013
Miami Southridge Senior High School
01.2010
Skills
- Able to read, speak, and write fluently in both English and Spanish
- Proficient with Ellie Mae Encompass
- Proficient with Byte Software
- Proficient with Microsoft Word
- Proficient with Excel
- Proficient with PowerPoint
- Financial Planning
- Compliance Management
Certification
1778224, California, Colorado, Connecticut, Florida, Georgia, Illinois, Michigan, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Texas, True
References
Available upon request.
Timeline
Financial Wellbeing Coach
Operation HOPE, Inc.
10.2023 - Current
Senior Mortgage Loan Advisor
Freedom Mortgage
05.2023 - 10.2023
Senior Mortgage Loan Originator (remote)
Planet Home Lending, LLC
10.2022 - 02.2023
Mortgage Loan Advisor
Tomo Mortgage LLC
05.2021 - 09.2022
Mortgage Loan Officer
Fairfield County Bank
08.2018 - 05.2021
Customer Service Representative
Fairfield County Bank
08.2017 - 08.2018
Certified Bank Teller
Fairfield County Bank
09.2015 - 08.2017
Miami Dade College
Miami Southridge Senior High School
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