Sylvia Magallanez
Crown Point,USA
Summary
Conscientious Customer Service Professional experienced in delivering exceptional service and support. Achieved customer satisfaction through effective multitasking and time management. Focused on creating positive and memorable experiences for all clients.
Overview
35
35
years of professional experience
Work History
Community Lender
Centier Bank
Merrillville, Indiana
06.2024 - Current
- Evaluated borrower creditworthiness and financial documentation.
- Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility.
- Provided expert guidance on mortgage products and terms.
- Ensured compliance with all federal, state and local regulations related to mortgage lending.
- Educated clients on compliance requirements and loan procedures.
- Cultivated relationships with real estate agents, builders, and referral sources to generate business leads.
- Educated clients on debt management strategies and repayment options.
- Coordinated events and outreach programs to enhance community engagement and strengthen local connections.
- Collaborated with local organizations to enhance community initiatives and resources.
- Designed and delivered educational workshops to promote financial literacy among community members.
- Coordinated volunteer activities, strengthening support for local charities and nonprofits.
- Facilitated outreach activities to increase community awareness of organizational programs. to promote awareness of services offered by the organization.
Mortgage Loan Officer
U.S. Bank National Association
Crown Point, IN
07.2021 - 03.2024
- Facilitated mortgage loan applications for clients at U.S. Bank.
- Provided guidance on various types of mortgages such as FHA loans, VA loans, conventional loans.
- Streamlined documentation processes to enhance efficiency in approvals.
- Engaged with clients to assess needs and coordinate with title companies, attorneys, surveyors, and other third parties in loan process.
- Resolved borrower complaints promptly to maintain high service quality. to maintain service quality borrower complaints in a timely manner while providing excellent customer service.
- Developed relationships with real estate agents, builders and other referral sources in order to generate business leads.
- Engaged with clients to understand their needs with title companies, attorneys, surveyors and other third parties involved in the loan process.
- Interacted with title companies, attorneys, surveyors and other third parties involved in the loan process.
- Attended industry events and seminars in order to stay abreast of changes in the mortgage banking industry.
Mortgage Loan Officer
People’s Bank
Merrillville, IN
04.2019 - 07.2021
- Facilitated mortgage loan applications, guiding clients through U.S. Bank processes to secure financing.
- Evaluated borrower creditworthiness and financial documentation.
- Provided expert guidance on mortgage products and terms.
- Streamlined documentation processes to enhance efficiency in approvals.
- Educated clients on compliance requirements and loan procedures, ensuring understanding and adherence to regulations.
- Educated customers on various aspects of mortgage financing options available.
- Ensured compliance with all federal, state and local regulations related to mortgage lending.
- Developed relationships with real estate agents and builders to generate business leads and enhance referral network.
Mortgage Consultant
First Merchants Bank
Crown Point, IN
09.2016 - 03.2019
- Evaluated client financial situations to determine suitable mortgage options.
- Analyzed financial data, credit reports and loan documents to determine eligibility for mortgage loans.
- Provided comprehensive guidance on loan products and application processes.
- Prepared detailed loan documentation, ensuring accuracy for timely submission and approval.
- Educated clients on mortgage terms, rates, and regulations to enhance understanding and informed decision-making.
- Maintained up-to-date knowledge of changes in the mortgage industry, including regulations, policies and procedures.
- Responded promptly to inquiries from lenders, brokers, title companies or attorneys regarding status of applications or any additional information needed for approval and closing process.
- Collaborated with team members to ensure timely completion of projects within established deadlines.
- Created targeted marketing campaigns to attract new customers and retain existing ones, driving business growth.
Teacher Aide
St Paul Catholic School
Valparaiso, Indiana
08.2015 - 06.2016
- Facilitated small group activities, improving student participation and comprehension.
- Assisted teachers in delivering engaging lessons, catering to diverse student needs.
- Supported classroom management, fostering a positive learning environment.
Substitute Teacher
St. Mary Catholic Community School and Faith Formation Program
Crown Point, IN
08.2011 - 06.2013
- Supervise and ensure children are safe at all times
- Assisted lead teacher in instructing and supervising children with moderate to severe disabilities, promoting an inclusive learning environment
- Conducting classes for the students of grade groups from junior preschool to 6th grade following lesson plans assigned by the lead teacher.
- Encouraged student participation in activities, enhancing engagement in subjects such as math, science, and art
- Performed various tasks to support classroom activities for the lead teacher and staff members
- Managed classroom environments to foster student engagement and learning, provide information and enhance students’ learning when the regular teacher is absent
- Assisted with daily activities such as transitions, mealtimes, and toileting to support student needs such as classroom transition times, mealtimes and toileting
- Adhered to all educational policies and procedures to maintain a safe learning environment, rules and procedures which the lead teachers adhere to and which good teaching practices demand
- Maintained a sanitized and organized classroom, fostering a conducive learning atmosphere
Lunch Room Supervisor
St. Mary Catholic Community School
Crown Point, IN
08.2011 - 06.2013
- Supervise students during lunch period in an area designated by the Principal
- Maintained order and discipline, promptly referred issues to Principal or Supervisor to ensure a safe environment
- Oversaw student activities on playground during lunch period, fostering a positive and engaging atmosphere
- Ensured timely cleanup of lunchroom to promote hygiene and support student well-being
- Assisted with additional lunchroom tasks, ensuring smooth operations during meal times. related to lunchroom activities as assigned or as required including cleaning and sanitizing all surfaces including tables and chairs
- Acquired CPR and first aid certifications to provide immediate assistance in critical situations.
Loan Officer
McColly Mortgage Company
Schererville, IN
01.2007 - 06.2008
- Sourced loans through real estate offices, community connections, and referrals, expanding client base and portfolio.
- Thoroughly complete a Uniform Residential Loan Application from borrowers.
- Assisted clients with professionalism and patience, ensuring positive interactions.
- Assist borrower with the closing of their loan.
- Obtain any required closing conditions from the borrower.
- Submitted completed loan applications to processing department, supervising progress and keeping borrowers and realtors informed.
- Handled client requests promptly to ensure satisfaction.
- Always handle client requests promptly.
Loan Officer
Lake Mortgage Company
Merrillville, IN
03.2004 - 01.2007
- Marketed company through cold calls and outreach to customers, realtors, and builders, generating new leads.
- Counseled customers on suitable loan products tailored to their individual financial situations.
- Review and explain initial disclosures to borrowers.
- Counseled customers on tailored loan products, enhancing their understanding of suitable options.
- Outlined loan terms and conditions to ensure customer understanding of obligations. and conditions insuring the customer understands their obligation involved in the processing and closing procedures of the mortgage loan.
- Outline loan terms and conditions ensuring the customer understands their obligation involved in the processing and closing procedures of the mortgage loan.
- Marketed company through cold sales calls and outreach to existing customers, realtors, and builders to generate leads.
- Initiated customer interviews to introduce Lake Mortgage Loan products and services. by attracting customer to the Lake Mortgage Loan products and services.
- Participated in title closings to facilitate transaction processes. and provided translation services.
Assistant Vice-President/Consumer Loan Officer
Peoples Bank SB
Munster, IN
09.2003 - 11.2003
- Compiled and analyzed data to assess consumer loan requests, streamlining loan approval process.
- Analyze applicants' financial status, credit and collateral evaluation to determine feasibility of granting loan.
- Compiled and analyzed data to assess consumer loan requests, enhancing decision-making process.
- Compiled and analyzed data for consumer loan requests.
- Ordered credit reports, background checks, and other information on consumer loan applicants.
- Executed procedures for closing loans with thorough documentation and compliance checks.
- Managed inquiries from loan applicants and branch managers to provide timely assistance. from loan applicants and branch managers
- Addressed and resolved customer complaints
- Provided translation services for Spanish-speaking borrowers during loan processing. for Spanish-speaking borrowers
Senior Assistant Vice-President/Loan Officer
Peoples Bank SB
Munster, IN
08.1996 - 06.2003
- Maximized shareholder value by originating high-quality loans, marketing Peoples Bank products and services to customers and the community, and building relationships with builders, realtors, and consumers to enhance future business opportunities.
- Counsel customers of appropriate loan products for their individual needs.
- Interview customer and request information to accurately complete a residential loan application complying with all state, federal and other licensing requirements and obligations.
- Order credit report and obtain all required supporting documents and information to submit a complete loan file to process and underwrite loan review and explain initial disclosures to borrowers.
- Underwrite within lending authority loan amount limits residential, commercial real estate and consumer loans.
- Communicate decisions and alternatives to borrowers.
- Established high standards for application excellence by training management trainees and new loan officers, ensuring consistent quality across loan applications.
- Communicated promptly with realtors, builders, buyers, sellers, and processors about application processes and closings, resolving issues and conflicts effectively.
- Attended title company to facilitate loan closings.
- Translated loan documents for Spanish-speaking borrowers to ensure understanding.
Loan Administrator
Sumitomo Bank
Sears Tower of Chicago, IL
07.1995 - 08.1996
- Administer over 85 Japanese corporate loans.
- Managed over 85 Japanese corporate loans by overseeing all aspects of loan administration.
- Processed new loan applications, refinanced loans, facilitated loan payoffs, established credit lines, and invoiced customers for various fees.
- Executed efficient data entry in internal systems and reconciled monthly balances.
- Conducted research to verify interest limits and determine appropriate types of spreads for loans.
- Communicated promptly and professionally with loan officers, clients, and operations staff.
- Facilitated communication between loan officers, clients, and operations staff to ensure smooth transaction processes.
- Executed data entry tasks in internal systems efficiently. and reconcile monthly balances.
- Monitored loan files to confirm receipt of necessary documentation.
Credit Service Representative
Mercantile National Bank
Hammond, IN
07.1991 - 07.1995
- Compiled monthly Director’s report for Commercial Loan Department, providing insights for decision-making.
- Compile monthly Director’s report for Commercial Loan Department.
- Check commercial loans daily for accuracy ant total debts.
- Check commercial loans daily for accuracy and total debts.
- Check commercial loans daily for accuracy ant total debts.
- Requested D&B reports from vendors to evaluate creditworthiness and inform lending decisions.
- Typed various department reports for the department.
- Completed special projects assigned by supervisors to enhance workflow.
Education
Certificate - General Office Assistant
Sawyer Business College
Hammond, INCollege prep Diploma -
Bishop Noll Institute
Hammond, INSome College (No Degree) - Business Management
Purdue University
Hammond , INSkills
- Mortgage product knowledge
- Financial analysis
- Educational workshops
- Community outreach
- Customer relationship management
- Lead generation
- Organizational skills
- Volunteer management
- Loan closing experience
- Compliance assurance
- Automated underwriting systems
- Document processing
- Origination software expertise
- Community engagement
- Community outreach strategies
- Organizing community events
- Facilitating workshops
- Customer management
- Verbal communication
- Written communication
- Effective communication
- Bilingual (Spanish fluent in reading, writing, and speaking)
- Team collaboration
- Conflict resolution
- Relationship building
- Problem solving
- Procedural adaptability
- Flexible
- Experience in training sessions
- Windows applications proficiency
- Partnership development
Volunteer experience
- HBANWI-Board Member
- Food bank
- American Heart Association
- Northwest Indiana Influential Women’s Association
- Indiana Mortgage Bankers Association
- Habitat For Humanity
- City of Gary Homebuyers Workshops
Timeline
Community Lender
Centier Bank
06.2024 - Current
Mortgage Loan Officer
U.S. Bank National Association
07.2021 - 03.2024
Mortgage Loan Officer
People’s Bank
04.2019 - 07.2021
Mortgage Consultant
First Merchants Bank
09.2016 - 03.2019
Teacher Aide
St Paul Catholic School
08.2015 - 06.2016
Substitute Teacher
St. Mary Catholic Community School and Faith Formation Program
08.2011 - 06.2013
Lunch Room Supervisor
St. Mary Catholic Community School
08.2011 - 06.2013
Loan Officer
McColly Mortgage Company
01.2007 - 06.2008
Loan Officer
Lake Mortgage Company
03.2004 - 01.2007
Assistant Vice-President/Consumer Loan Officer
Peoples Bank SB
09.2003 - 11.2003
Senior Assistant Vice-President/Loan Officer
Peoples Bank SB
08.1996 - 06.2003
Loan Administrator
Sumitomo Bank
07.1995 - 08.1996
Credit Service Representative
Mercantile National Bank
07.1991 - 07.1995
Certificate - General Office Assistant
Sawyer Business College
College prep Diploma -
Bishop Noll Institute
Some College (No Degree) - Business Management
Purdue University