Summary
Overview
Work History
Education
Skills
Timeline
Generic

Roy Padilla

Mortgage Professional
Phoenix,AZ

Summary

I have spent 33 years in retail banking, the last 22 years in mortgage. I am a self starter who enjoys working with others as a team, and I enjoy helping families to achieve their personal financial goals through homeownership. I am dedicated to providing excellent communication from start to finish, and I work with honesty and integrity. I manage my clients in a white glove manner, I do this job everyday and my clients don't, so I never lose sight of this.


I am a happily married and have 6 Daughters, so I enjoy traveling, outdoors, sporting events, concerts, and most importantly spending time with my family during my downtime.


I work extra hard, and I hustle & manage myself autonomously to attain personal and work related goals.



Overview

11
11
years of professional experience
4
4
years of post-secondary education

Work History

Sr. Loan Officer

Northpointe Bank
Gilbert, AZ
01.2022 - Current
  • Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
  • Examined customer loan applications for loan approvals and denials.
  • Originated, reviewed, processed, closed and administered customer loan proposals.
  • Complied with regulatory requirements of Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.

Sr. Loan Officer

Barrington Bank & Trust
Phoenix, AZ
05.2021 - 01.2022
  • Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
  • Examined customer loan applications for loan approvals and denials.
  • Originated, reviewed, processed, closed and administered customer loan proposals.
  • Complied with regulatory requirements of Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.

Sr. Loan Officer

NFM Lending
Tempe, AZ
12.2020 - 04.2021
  • Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
  • Examined customer loan applications for loan approvals and denials.
  • Originated, reviewed, processed, closed and administered customer loan proposals.
  • Complied with regulatory requirements of Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.

Mortgage Banking Officer

BBVA USA
Phoenix, AZ
11.2018 - 11.2020
  • Worked with underwriters to fix application problems and resolve issues.
  • Reviewed loan files and updated to match current standards.
  • Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
  • Fielded customer complaints and provided solutions.
  • Monitored pipelines to track and log status of loans.
  • Explained different types of loans pertaining to client situations.

Sr. Loan Officer

CIT Bank
Pasadena, CA
09.2017 - 11.2018
  • Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
  • Examined customer loan applications for loan approvals and denials.
  • Originated, reviewed, processed, closed and administered customer loan proposals.
  • Complied with regulatory requirements of Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.

Sr. Loan Officer

Home Street Bank
San Diego, CA
01.2017 - 11.2017
  • Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
  • Examined customer loan applications for loan approvals and denials.
  • Originated, reviewed, processed, closed and administered customer loan proposals.
  • Complied with regulatory requirements of Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.

Sr. Loan Officer

Luther Burbank Savings
Santa Monica, CA
12.2015 - 08.2016
  • Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
  • Examined customer loan applications for loan approvals and denials.
  • Originated, reviewed, processed, closed and administered customer loan proposals.
  • Complied with regulatory requirements of Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.

Sr. Loan Officer

Ever Bank
Carlsbad, CA
12.2015 - 08.2016
  • Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
  • Examined customer loan applications for loan approvals and denials.
  • Originated, reviewed, processed, closed and administered customer loan proposals.
  • Complied with regulatory requirements of Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.

Sr. Loan Officer

Bank Of America
Yorba Linda, CA
07.2015 - 11.2015
  • Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
  • Examined customer loan applications for loan approvals and denials.
  • Originated, reviewed, processed, closed and administered customer loan proposals.
  • Complied with regulatory requirements of Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.

Mortgage Banking Officer

BBVA USA
La Jolla , CA
05.2011 - 07.2015
  • Worked with underwriters to fix application problems and resolve issues.
  • Reviewed loan files and updated to match current standards.
  • Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
  • Fielded customer complaints and provided solutions.

Education

High School Diploma -

Phoenix Central High School
Phoenix, AZ
09.1984 - 05.1988

Skills

Bilingual Spanish

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Timeline

Sr. Loan Officer

Northpointe Bank
01.2022 - Current

Sr. Loan Officer

Barrington Bank & Trust
05.2021 - 01.2022

Sr. Loan Officer

NFM Lending
12.2020 - 04.2021

Mortgage Banking Officer

BBVA USA
11.2018 - 11.2020

Sr. Loan Officer

CIT Bank
09.2017 - 11.2018

Sr. Loan Officer

Home Street Bank
01.2017 - 11.2017

Sr. Loan Officer

Luther Burbank Savings
12.2015 - 08.2016

Sr. Loan Officer

Ever Bank
12.2015 - 08.2016

Sr. Loan Officer

Bank Of America
07.2015 - 11.2015

Mortgage Banking Officer

BBVA USA
05.2011 - 07.2015

High School Diploma -

Phoenix Central High School
09.1984 - 05.1988
Roy PadillaMortgage Professional