Sandra Teran
Chicago,IL
Summary
Hard-working and trustworthy, prepared to contribute service-minded and dedicated attitude to dynamic service team. Expertly manage high-volume orders and complete assignments to meet customer demand and quality expectations.
Overview
32
32
years of professional experience
1
1
Certification
Work History
Team Coordinator
American Pacific Mortgage
01.2019 - Current
- Work directly with Branch referrals to originate residential mortgage business for the Chicago area
- Handle loan origination through underwriting, interview customers to determine appropriate products, analyze credit histories, contract with appraisers, verify financial information, underwrite loans and determine approval or rejections
- Develop and maintained a referral network of real estate professionals and community leaders through face to face sales calls, product presentations and joint marketing initiatives.
Mortgage Consultant
Guaranteed Rate
03.2016 - 12.2018
- Receive applications from Loan Officers
- Ensure they are complete and accurate, review customer documentation to support application information
- Direct customer contact to discuss loan application, underwriting decisions, and pre-closing requirements
- Direct referral partner contact to discuss loan status, pre-qualifications, schedule closings
- Order appraisals, titles, subordinations
- Collect fees, submit complete applications to underwriting, work regularly with processors, underwriters and closers
- Manage pipeline every day and follow up with all interested parties.
Home Mortgage Processor
Wells Fargo
03.2013 - 03.2016
- Manage pipeline every day and follow up with all interested parties
- Review applications from Loan Officers,
- Ensure they are complete and accurate, review customer documentation to support application information
- Direct customer contact to discuss loan application, underwriting decisions, and pre-closing requirements
- Direct referral partner contact to discuss loan status, pre-qualifications, schedule closings
- Order appraisals, titles, subordinations
- Collect fees, submit complete applications to underwriting, work regularly with processors, underwriters and closers
- Manage pipeline every day and follow up with all interested parties.
Financial Coach
Association House
09.2010 - 03.2013
- Provide Homeownership Counseling for Pre-Purchase and Foreclosure Prevention by facilitating workshops and individual sessions
- Develop and deliver financial workshops in coordination with Center for Working Families - Provide one-on-one financial assessment and coaching to participants
- Integrate the services of local banks and credit unions into workshops and other activities
- Network with financial businesses and community organizations on an ongoing basis to develop mutual beneficial resources.
Private Banking Officer
The Private Bank and Trust Company
03.2008 - 09.2010
- Establish relationships with non-profit organizations, as well as Neighborhood Development
- Corporations and Builders to develop and increase The Private Bank’s CRA business
- Responsible for originating mortgage loans from LMI census tracts
- Present seminars and workshops on Financial Education for Low/Moderate clients
- Work with HUD to get The Private Bank approved to originate FHA and IDHA loans - Train Loan Officers and Processors how to originate and process FHA loans.
Processor / Underwriter/ Team Leader
Bank of America
07.2005 - 03.2008
- Responsible for reviewing and examining loans to ensure soundness, business value and compliance with Countrywide and Investor standards.
- Evaluate overall credit quality, appraisal, titles, borrower’s ability to qualify and decision to approve or deny loan
- Underwriting approval level up to $1.5 million
- Train and supervise a unit of 5 employees.
Mortgage Loan Officer
Chase
02.1992 - 07.2005
- Managed residential mortgage business for the Chicago area
- Handled loan origination through underwriting, interviewed customers to determine appropriate products, analyze credit histories, contract with appraisers, verify financial information, underwrite loans and determine approval or rejections
- Consistently among top producers – originating a personal record of $60 million I 1998
- Developed and maintained a referral network of real estate professionals and community leaders through face to face sales calls, product presentations and joint marketing initiatives.
Education
Bachelor of Arts and Science - French and Business, Finance
University of Illinois
Degree - French
University of Paris, La Sorbonne
Certification for Financial Coaching - undefined
College of New Mexico
Certification as a HUD Homeownership counselor - undefined
Neighborworks Institute
Skills
- Proficient with Computers
- Very detailed oriented
- Excellent oral and written communication skills
- Proficient with social network websites
- Excellence in Customer Service and problem solving
Certification
Illinois Basset Certification - 2022
Food Handler Certification - 2023
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
It’s not what happens to you, but how you reach to it that matters.
Epictetus
Timeline
Team Coordinator
American Pacific Mortgage
01.2019 - Current
Mortgage Consultant
Guaranteed Rate
03.2016 - 12.2018
Home Mortgage Processor
Wells Fargo
03.2013 - 03.2016
Financial Coach
Association House
09.2010 - 03.2013
Private Banking Officer
The Private Bank and Trust Company
03.2008 - 09.2010
Processor / Underwriter/ Team Leader
Bank of America
07.2005 - 03.2008
Mortgage Loan Officer
Chase
02.1992 - 07.2005
Bachelor of Arts and Science - French and Business, Finance
University of Illinois
Degree - French
University of Paris, La Sorbonne
Certification for Financial Coaching - undefined
College of New Mexico
Certification as a HUD Homeownership counselor - undefined
Neighborworks Institute
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