Sheila C. Delgado
Medford,OR
Summary
Organized Loan Officer Assistant bringing exceptional administrative and problem-solving skills focused on efficiently fulfilling loan requirements. Knowledgeable about checklists and disclosures, business correspondence and recordkeeping. Skilled at keeping all paperwork orderly and properly transferred. Diligent and resourceful financial professional skilled in client relations and loan product recommendations. Highly responsive to delivery of services and focused on customer relationship building. Achieves compliance with company policies and regulations in carrying out job functions.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Branch Loan Officer Assistant /Mortgage Loan Originator
Nations Lending Corporation
10.2021 - 10.2023
- Answered inquiries and provided superior customer service to clients.
- Communicated with customers daily to request information and complete paperwork.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
- Created file system using loan officer checklist.
- Reviewed and submitted on-time for processing.
- Assembled important paperwork and disclosures for borrower.
- Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps.
- Cultivated productive relationships with clients, realtors, and title/escrow officers to increase profits and expand customer base.
- Assisted in resolving customer concerns, following procedures to find mutually beneficial solutions.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
Mortgage Loan Processor
Caliber Home Loans
09.2019 - 10.2021
- Handled any conditions sent from underwriting departments.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Set up and completed loan submission packages.
- Communicated with originator and applicant concerning progress of loan file.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
- Prepared file for final clear-to-close by branch management.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Processed mortgage loan applications accurately and successfully for over 3 years.
- Maintained accurate records of loan processing activities and documents in CRM system.
- Educated customers on loan services and regulations to confirm compliance.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Reviewed and validated details of loan applications and closing documentation.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
Mortgage Loan Originator Assistant
Caliber Home Loans
10.2018 - 10.2021
- Answered inquiries and provided superior customer service to clients.
- Set up files using loan officer checklist and submitted on-time for processing.
- Communicated with customers daily to request information and complete paperwork.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
- Monitored key dates to obtain information by deadlines.
- Assembled important paperwork and disclosures for borrower.
- Assisted with timely loan closing and funding activities with efficient management of task checklists.
- Worked with Loan Officer to create application profile in system and review key information at various stages within process.
- Documented borrower's information in loan processing system and resolved any discrepancies.
- Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps.
- Cultivated productive relationships with clients, realtors, and title/escrow officers to increase profits and expand customer base.
- Assisted in resolving customer complaints, following procedures to find mutually beneficial solutions.
- Liaised with clients to guide through loan closing process and skillfully handle any concerns.
- Coordinated with realtors and title companies to identify discrepancies and update different teams on processing progress.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
- Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
- Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws
Loan Officer Assistant
Imortgage Dba LoanDepot
03.2016 - 10.2018
- Created files using loan officer checklist and submitted on-time for review.
- Communicated with customers daily to request information and complete paperwork.
- Answered client inquiries and provided superior customer service.
- Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps.
- Monitored key dates to obtain information by prior deadlines for smooth closings.
- Assembled important paperwork and disclosures for borrower.
- Documented borrower's information in loan processing system, and Loan Originator database, resolved any discrepancies.
- Guided clients through loan closing process and skillfully handle any concerns.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Tracked loan status and updated applicant information to inform our Team of changes to applicants' financial situation and/or Employment changes.
Skills
- Government Standards
- Regulatory Compliance
- Bank Secrecy Act
- Lending Software Systems
- Lending Product Knowledge
- Lending Program Requirements
- Daily Interest Rate Analysis trending updating Teams
- Document Verification
Certification
- Licensed NMLS #1740508 - Oregon and California
Timeline
Branch Loan Officer Assistant /Mortgage Loan Originator
Nations Lending Corporation
10.2021 - 10.2023
Mortgage Loan Processor
Caliber Home Loans
09.2019 - 10.2021
Mortgage Loan Originator Assistant
Caliber Home Loans
10.2018 - 10.2021
Loan Officer Assistant
Imortgage Dba LoanDepot
03.2016 - 10.2018
- Licensed NMLS #1740508 - Oregon and California
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