SONIA VALENCIA
Sherman Oaks,CA
Summary
Dynamic real estate and mortgage professional with over a decade of experience specializing in loan origination, processing, and exceptional customer service. Proven expertise in streamlining workflows and enhancing loan processing efficiency, supported by strong organizational skills and proficiency in Encompass and Microsoft Office. A commitment to maintaining compliance with lending regulations while cultivating robust stakeholder relationships has consistently driven loan portfolio growth through strategic client consultations and thorough financial analysis. Results-oriented background in mortgage origination, underwriting, and risk assessment highlights dedication to fostering high levels of client satisfaction and regulatory adherence, complemented by a strong focus on team collaboration and client relationship management.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Senior Mortgage Loan Officer
Pacific Lending LLC
09.2019 - Current
- Streamline mortgage application workflows by implementing process improvements, conducting thorough risk assessments, and optimizing loan documentation procedures. Handling of initial loan setup and disclosures. In charge of reviewing loan applicants and administrative tasks.
- Drive loan portfolio growth through strategic client consultations, comprehensive financial analysis, and efficient application processing.
- Ensure compliance with lending regulations while managing complex loan applications, maintaining accurate documentation, and validating client information.
- Knowledge in RESPA, Reg B, and Reg Z, and TILA guidelines.
- Foster strong relationships by coordinating loan processes between borrowers, underwriters, and internal teams.
- Utilize Encompass and microsoft software to maintain precise documentation standards and validate client information, ensuring complete accuracy in loan portfolios.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Utilized CRM software proficiently for tracking leads, organizing client information, and planning follow-up communications.
- Guided clients through mortgage application processes, ensuring compliance with regulatory requirements.
Mortgage Loan Officer Assistant
BankIt Mortgage
03.2019 - 09.2019
- In charge of reviewing loan applications and completing administrative tasks for their organization. Responsible for checking important loan details and requirements before submitting documentation. Review, identify, and resolve problems with loan applicants. Assist mortgage loan officers with loan applicants.
- Streamlined loan application reviews using Encompass software, ensuring compliance with lending requirements while maintaining meticulous documentation standards.
- Identified and resolved loan application discrepancies through systematic analysis, improving application accuracy and processing efficiency.
- Facilitated effective communication between applicants and loan officers, ensuring all documentation aligned with regulatory requirements.
- Coordinated communication between lenders, clients, and real estate agents.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
- Streamlined communication channels between clients, Loan Officers, and underwriters to ensure timely updates and efficient information sharing.
Home Mortgage Consultant
Wells Fargo Bank
05.2017 - 11.2018
- Timely and clear communication with customers, settlement agents, brokers, and other counter-parties to obtain missing information and documentation for the loan file.
- Obtaining and possibly clearing some approval stipulations; submitting loan file to underwriting for review; ensuring all compliance and underwriting guidelines are met; entering loan information into the system; prioritizing and/or managing assigned pipeline to meet anticipated closing date and performance metrics.
- Led comprehensive client consultations to identify optimal mortgage solutions, maintaining high customer satisfaction while meeting compliance requirements.
- Managed complex loan documentation workflows, ensuring accuracy in underwriting submissions and maintaining strict adherence to federal lending guidelines.
- Coordinated with cross-functional teams to resolve loan processing challenges, facilitating smooth transactions between stakeholders and settlement agents.
Education
General Studies -
Mt. San Antonio College
Walnut, CA01.2003
High School Diploma -
Chaffey High School
Ontario, CA06-2001
Skills
- Mortgage industry expertise
- Loan origination proficiency
- Effective communication skills
- Risk evaluation
- Credit analysis proficiency
- Real estate market awareness
- Negotiation
- Regulatory compliance
- Financial analysis aptitude
- Interest rate forecasting
- Debt-to-income ratio calculation
- Loan modification solutions
- Escrow management know-how
- Asset evaluation expertise
- Mortgage products
- FHA and VA loan expertise
- Home equity loan proficiency
- Jumbo loan handling
- Closing coordination experience
- Loan processing efficiency
- Income verification techniques
- Refinancing strategies
- Title examination acumen
- Documentation verification
- Document analysis
- Document review
- Sales development
- Communication and interpersonal skills
Certification
- Licensed NMLS
LANGUAGES
English (Native), Spanish (Native).
Timeline
Senior Mortgage Loan Officer
Pacific Lending LLC
09.2019 - Current
Mortgage Loan Officer Assistant
BankIt Mortgage
03.2019 - 09.2019
Home Mortgage Consultant
Wells Fargo Bank
05.2017 - 11.2018
General Studies -
Mt. San Antonio College
High School Diploma -
Chaffey High School