Sandra Padilla Saldana
Pittsburg,CA
Summary
Seeking a position that will allow me to use my passion for enhancing the well-being of seniors within community settings. Bringing a wealth of experience, I have over 30 years experience of working with people and assisting them achieve their home ownership dreams. With my past experience as a Broker, I feel this provides me the communication, empathy, patience and long term relationship building skills to apply to your position as Program Manager. My expertise in program development, team leadership, and collaborative partnerships positions me as a valuable asset for your non-profit organization. Committed to creating vibrant and supportive senior communities, I am eager to contribute my skills in program management to make a positive impact on the lives of those we serve.
Overview
33
33
years of professional experience
Work History
Broker/Owner
Hillcrest Lending Group Inc.& Sandra Padilla Co,
01.2005 - 12.2022
- With 29 years of experience, I took great care in building my cliental from scratch. Mainly relying on the referrals of my past clients. They are more than happy to refer their friends and family because of the great care I took of them. I created programs that would educate our Latino community and other minorities in the essential needs to become homeowners. I take great pride in being able to give back to our communities by empowering home ownership and pride of ownership.
- Built long lasting relationships with lenders, Realtors, Title Companies and other professionals in the industry.
- Was Vice President of the East Bay National Association of Hispanic Realtors that promotes the education and home sustainability of our communities.
- Developed great working ethics, ensuring everything was done in timely manner and with great integrity and taught my team to do the same.
- Coached and trained a team of 24 entry-level realtors
- Implemented marketing training to successfully increase production by 20% every year
- Coordinated and over saw every transaction through its lifecycle.
Senior Underwrite-Supervisor
Bayline Processing Center
01.2002 - 01.2005
- Supervised setup of new accounts with mortgage brokers, overseeing FHA, VA, and Conventional loans from origination to funding
- Coached and supervised a team of 6 members, training and implementing work procedures to ensure smooth transactions from beginning to end.
- Held first time homeowner seminar for Hispanic communities, teaching them how to get prepared for their first purchase. Educating them and assisted them in purchasing their first home.
- Conducted extensive quality control, ensuring compliance with lender guidelines.
- Maintained direct contact with lenders and Title Company on loan conditions.
- Created and implemented a marketing and review program to reach out to every closed client on a monthly basis to follow up with and see if any additional services were needed.
Underwriter
Gateway Residential Funding
01.2000 - 01.2002
- Managed approximately 30 loans per month in setup, performed all underwriting to specific lender guidelines, and submitting loans for validation.
- Ensured seamless follow-up until funding.
- Managed over 50 Spanish speaking clients, educating them on what they needed to provide for their loans. Took time to explain to them in detail why each item is needed. By doing so it built trust and confidence in product and process. Cultivated trust and long-lasting relationships.
- Provided support to loan officers in addressing client conditions or questions.
Underwriter
First Financial Express
01.1999 - 01.2000
- Oversaw loan setup, underwriting to investor guidelines, and managed the process until loan funding
- Provided valuable assistance to loan officers in client interactions.
Underwriter
Bankers First Financial
01.1994 - 01.1999
- Managed loans from setup through purchasing, supervising processing and funding staff
- Ensured quality and accuracy, managed a warehouse line of credit, and maintained funds for loan funding.
- Was in charge of developing a spanish seminar to help teach the community how to work on their credit, how to make an appropriate budget and how to get prepared to become home owners.
Underwriter I
Time Funding
01.1992 - 01.1994
- Handled loan setup and underwriting to investor guidelines
- Saw loans through each lender's process until funding
- Assisted loan officers in client interactions.
Receptionist/Processor
Premier Mortgage
01.1990 - 01.1992
- Coordinated loan setup for processing, managed verifications, assisted with loan docs and funding
- Filed paperwork and conducted file audits.
Education
Bachelor's Degree in Business Administration -
University of Phoenix
Walnut Creek, CA01.2002
High School Diploma -
Pittsburg High School
Pittsburg, CA01.1983
Skills
- Team Management: Led six-member team, fostering collaborative and productive work environment
- Client Impact: Collaborated in building homeownership goals for over 300 families, providing tangible impact to the community
- Versatility: Proven ability to work effectively both independently and within team dynamics
- Bilingual: Proficient in reading, writing and speaking Spanish
- Buyer Vetting-Vetted over 300 buyers and took great care to fully explain, educate, build trust with them and assist in making proper decisions
- Customer Proposals-Generated reports for real estate and mortgage clients to assist and educate them on different programs and solutions
- Customer Experience: Requested feedback from clients to access what improvements should be made to current educational, trust and confidence building programs
- Professional Relationships-Maintain years long relationship with other professionals in similar fields, always collaborating and assisting each other
- Critical Thinking-Developed critical thinking skills, as finding right resolution to problems often requires thinking outside the box
- Active Listening-With over 1000 combined transactions over 29 years in Real Estate and Mortgage, builds extensive listening and comprehensive skills allowing to further understand and nurture client needs
References Available
True
Timeline
Broker/Owner
Hillcrest Lending Group Inc.& Sandra Padilla Co,
01.2005 - 12.2022
Senior Underwrite-Supervisor
Bayline Processing Center
01.2002 - 01.2005
Underwriter
Gateway Residential Funding
01.2000 - 01.2002
Underwriter
First Financial Express
01.1999 - 01.2000
Underwriter
Bankers First Financial
01.1994 - 01.1999
Underwriter I
Time Funding
01.1992 - 01.1994
Receptionist/Processor
Premier Mortgage
01.1990 - 01.1992
Bachelor's Degree in Business Administration -
University of Phoenix
High School Diploma -
Pittsburg High School
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