Steven De La Hoya
Sonoma,Ca
Summary
Committed Loan Officer capable of the efficient and accurate management and processing of loans. Skilled in the development and implementation of loan plans, client assessment and conducting credit analysis. Working knowledge of Calex Point, Encompass, DU/LP, DropBox, Google Apps, Microsoft Office, Adobe Pro Highlights Financial Assessment Credit Analysis Quality Control Procedural Compliance Detail Oriented Highly Motivated Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills. Hardworking employee with customer service, multitasking and time management abilities. Devoted to giving every customer a positive and memorable experience.
Overview
7
7
years of professional experience
Work History
Builder Loan & Real-estate Agent
Excel Realty & Mortgage
Roseville, CA
02.2021 - Current
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Delivered high levels of customer service to facilitate smooth processes.
- Met with applicants to obtain information for loan applications and answer questions about process.
Builder/ Loan Officer
KBHS Home Loans
San Ramon, Ca
06.2019 - 02.2021
- Using sound judgment to make decisions based on credit staying within lender guidelines including FNMA/FHLMC
- Meet with applicants to obtain information for loan applications and to answer questions about the process
- Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans
- Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information
- Review loan agreements to ensure that they are complete and accurate according to policy
- Compute payment schedules
- Stay abreast of new types of loans and other financial services and products in order to better meet customers' needs
- Employment
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Delivered high levels of customer service to facilitate smooth processes.
- Performed daily maintenance of loan applicant database.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
- Approved loan within specified limits or referred to appropriate approval level.
Builder Loan & Real-estate Agent
Excel Realty & Mortgage
Pleasanton, Ca
06.2016 - 06.2019
- Showed residential properties and explained features, value and benefits of available homes.
- Oversaw and negotiated offers for real estate purchases on clients' behalf.
- Promoted property sales through advertisements, open houses and participation in multiple listing services.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Delivered high levels of customer service to facilitate smooth processes.
- Approved loan within specified limits or referred to appropriate approval level.
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
Education
Mortgage Educators
Skills
- Problem-Solving
- Punctual and Dependable
- Team Player
- Problem Solving
- Attention to Detail
- Verbal Communication
- Superior Work Ethic
Timeline
Builder Loan & Real-estate Agent
Excel Realty & Mortgage
02.2021 - Current
Builder/ Loan Officer
KBHS Home Loans
06.2019 - 02.2021
Builder Loan & Real-estate Agent
Excel Realty & Mortgage
06.2016 - 06.2019
Mortgage Educators
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