ROBERT RIVERA
Lilburn,GA
Summary
Experienced real estate and operations professional specializing in mortgage lending, branch management, and regulatory compliance. As Appraiser II, supports property valuation and assessment while engaging with property owners on assessments and appeals. Over eight years of branch leadership driving operational efficiency, enhancing workflows, and training staff to resolve complex issues.
Overview
12
12
years of professional experience
Work History
Appraiser II
Rockdale County – Board of Assessors
02.2026 - Current
- Review property characteristics, assessment records, and relevant market information in support of accurate and equitable real property valuations.
- Researched property information and valuation questions, enhancing the accuracy of county property assessments and appeal processes.
- Communicate with property owners and taxpayers, explain assessment and valuation procedures, and respond to questions regarding property values and appeals.
- Prepared clear written correspondence and maintained supporting documentation, ensuring thorough property reviews and effective responses to taxpayer inquiries.
- Applied knowledge of Georgia appraisal and property assessment practices to ensure compliance with county procedures and deadlines.
Mortgage Loan Officer
Legacy Mutual Mortgage
11.2024 - 02.2026
- Managed client relationships from application through closing, providing clear communication and responsive service throughout the loan process.
- Evaluated financial documents, credit histories, and loan information to determine client eligibility for mortgage programs.
- Coordinated with underwriters, processors, and other departments to resolve issues, ensuring timely approval and closing of loan files.
- Advised clients on loan options, requirements, and mortgage-related inquiries, facilitating informed decision-making.
- Assisted and coached entry-level loan officers with income calculations, loan setup, disclosures, and closing procedures.
Mortgage Loan Officer
First Option Mortgage
01.2023 - 10.2024
- Analyzed borrower financial documentation and coordinated with underwriting and processing teams to resolve file conditions efficiently.
- Managed mortgage files and client communications from application to closing, ensuring compliance with documentation requirements while meeting service expectations.
- Coached newer loan officers on income calculations, loan setup, disclosure requirements, and closing procedures to enhance their onboarding process.
Co-Branch Manager
The Mortgage Firm
01.2019 - 01.2023
- Co-managed daily branch operations and coordinated workflow among loan officers, underwriting, processing, funding, and closing teams.
- Monitored branch performance reports, identified operational issues, and implemented process improvements to enhance efficiency and increase loan volume.
- Provided guidance to loan officers on complex transactions, problem resolution, and loan structuring to support timely closings.
- Maintained compliance with company policies and applicable lending regulations; reviewed processes to reduce risk and ensure required standards were met.
- Resolved escalated customer concerns and communicated effectively with clients and internal stakeholders to maintain satisfaction.
- Trained staff on loan products, income calculations, and loan origination systems to improve overall team competency.
Co-Branch Manager
Homestar Financial Corporation
07.2016 - 01.2019
- Managed branch operations and coordinated loan origination across underwriting, processing, funding, and closing to ensure seamless workflow.
- Reviewed performance metrics and implemented workflow improvements that enhanced operational consistency.
- Coached loan officers on complex files and issue resolution, ensuring compliance with company and regulatory requirements.
- Conducted training on loan products, income calculations, and loan origination systems; addressed escalated client matters.
Co-Branch Manager
First Option Mortgage
06.2014 - 07.2016
- Oversaw branch loan origination operations, coordinating activities among loan officers and support departments to enhance overall workflow.
- Tracked branch performance, identifying and implementing workflow improvements to ensure timely loan closings and exceptional service.
- Provided employee guidance and training, supported complex loan scenarios, and resolved escalated customer issues.
- Monitored loan files for adherence to company procedures and regulatory requirements, ensuring compliance and minimizing risk.
Education
Diploma - Drafting Design and Computer-Aided Drafting
Lincoln Technical Institute
Union, NJSkills
- Real estate valuation
- Written communication knowledge
- Property assessment
- Property valuation analysis
- Real estate market analysis
- Regulatory compliance
- Workflow coordination
- Mathematical analysis
- Records management
- Property assessment
- Customer issue resolution
- Bilingual communication
- Client communication
- Deadline management
Timeline
Appraiser II
Rockdale County – Board of Assessors
02.2026 - Current
Mortgage Loan Officer
Legacy Mutual Mortgage
11.2024 - 02.2026
Mortgage Loan Officer
First Option Mortgage
01.2023 - 10.2024
Co-Branch Manager
The Mortgage Firm
01.2019 - 01.2023
Co-Branch Manager
Homestar Financial Corporation
07.2016 - 01.2019
Co-Branch Manager
First Option Mortgage
06.2014 - 07.2016
Diploma - Drafting Design and Computer-Aided Drafting
Lincoln Technical Institute