Robert Uribe III
Queen Creek,AZ
Summary
Bilingual Loan Specialist offering five years of expertise in mortgage loan application processing and payment negotiation. Excellent track record of explaining complex financial information in simplified terms to foster customer comprehension. Adept at mathematical accuracy and following financial regulations. Offering vast knowledge of banking regulations and compliance procedures. Dedicated to maintaining professionalism and integrity.
Overview
6
6
years of professional experience
Work History
Senior Mortgage Loan Officer
PNC Bank
03.2022 - Current
- Reviewed loan files and updated to match current standards.
- Worked with underwriters to fix application problems and resolve issues.
- Implemented sales strategies that established relationships with realtors and CPAs.
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
- Explained different types of loans pertaining to client situations.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Explained very technical financial information to applicants in easy to understand language.
- Monitored pipelines to track and log status of loans.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Prepared variety of different written communications, reports and documents.
Senior Mortgage Loan Officer
Filo Mortgage LLC
Phoenix, AZ
06.2021 - 12.2021
- Originated loans compliant with all major investors including FNMA and FHLMC
- Maintained friendly and professional customer interactions
- Originated, reviewed, processed, closed and administered customer loan proposals
- Reviewed loan files and updated to match current standards
- Assisted team members with complex loan applications
- Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
Mortgage Loan Officer
Watermark Home Loans
Phoenix, AZ
06.2020 - 06.2021
- Originated loans compliant with all major investors including FNMA and FHLMC
- Maintained friendly and professional customer interactions
- Originated, reviewed, processed, closed and administered customer loan proposals
- Reviewed loan files and updated to match current standards
- Assisted team members with complex loan applications
- Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
Mortgage Loan Officer
JPMorgan Chase
Phoenix, AZ
12.2019 - 06.2020
- Originated loans compliant with all major investors including FNMA and FHLMC
- Reviewed and edited loan agreements to ensure accuracy
- Maintained strict confidentiality of bank records and client information
- Maintained friendly and professional customer interactions
- Originated loans compliant with all major privacy and security federal laws
- Collaborated with compliance department to eliminate procedural errors and margin breaks
- Explained different types of loans pertaining to client situations
- Worked with underwriters to fix application problems and resolve issues
- Originated, reviewed, processed, closed and administered customer loan proposals
Senior Mortgage Loan Officer
Strong Home Mortgage
Tempe, AZ
06.2019 - 10.2019
- Originated loans compliant with all major investors including FNMA, FHLMC, and VA
- Purchase and refinance specialist
- Reviewed and edited loan agreements to ensure accuracy
- Maintained strict confidentiality of bank records and client information
- Maintained friendly and professional customer interactions
- Originated loans compliant with all major privacy and security federal laws
- Licensed in over 12 states including : AZ, CA, WA, OR, CO, FL, GA, NJ, TX, SC, ND and WA
- Collaborated with compliance department to eliminate procedural errors and margin breaks
Mortgage Loan Officer
J.G. Wentworth Home Lending
Phoenix, Arizona
06.2017 - Current
- Originated loans compliant with all major investors including FNMA, FHLMC, and VA
- Purchase and refinance specialist
- Reviewed and edited loan agreements to ensure accuracy
- Maintained strict confidentiality of bank records and client information
- Maintained friendly and professional customer interactions
- Complied with regulatory requirements, including the Bank Secrecy Act, Anti Money Laundering, OFAC and Patriot Act
- Licensed in over 10 states including : AZ, CA, WA, OR, CO, FL, GA, NJ, TX and WA
- Collaborated with compliance department to eliminate procedural errors and margin breaks
Service Excellence Associate
Cenlar Federal Savings Bank
Tempe, AZ
03.2016 - 06.2017
- Trained staff on operating procedures and company services
- Developed highly empathetic internal client relationships and earned a reputation for exceeding service standard goals
- Maintained up-to-date knowledge of product and service changes
- Investigated and resolved customer inquiries and complaints in an empathetic manner
- Proactive leader of customer support staff
- Solved unresolved customer issues
- Devised and published metrics to measure the organization's productivity for upper management review
- Cross-trained and backed up other customer service representatives
- Met all customer call guidelines including service levels, handle time and productivity
- Assumed ownership over team productivity and managed work flow to meet or exceed quality service goals
Education
High School Diploma -
Century High School
Los Angeles, CA05.2009
Skills
- 8 years of Mortgage/Home Equity Customer Service Experience
- 4 years of mortgage loan origination experience
- 4 years experience with credit and income analysis
- 5 years experience with Excel and Microsoft Office Programs
- Adept knowledge of : Bank Secrecy Act, Fair Credit Reporting Act, Equal Credit Opportunity Act, Real Estate Settlement Procedures Act, Truth In Lending Act
- Punctual
- Bilingual in English/Spanish
- Strong verbal communication skills
- Proactive problem solver
- Organized
- Exceptional telephone etiquette
Timeline
Senior Mortgage Loan Officer
PNC Bank
03.2022 - Current
Senior Mortgage Loan Officer
Filo Mortgage LLC
06.2021 - 12.2021
Mortgage Loan Officer
Watermark Home Loans
06.2020 - 06.2021
Mortgage Loan Officer
JPMorgan Chase
12.2019 - 06.2020
Senior Mortgage Loan Officer
Strong Home Mortgage
06.2019 - 10.2019
Mortgage Loan Officer
J.G. Wentworth Home Lending
06.2017 - Current
Service Excellence Associate
Cenlar Federal Savings Bank
03.2016 - 06.2017
High School Diploma -
Century High School
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