High-performing professional with 20+ years of experience in the mortgage industry. Proven track record in developing strong internal and external relationships to drive collaborative achievement of organizational goals. Thrives in fast-paced environments, leveraging expertise in Microsoft, Word, Excel, and Salesforce to enable team success. Committed to lifelong learning and consistently going the extra mile to facilitate continuous improvement.
Overview
35
35
years of professional experience
1
1
Certification
Work History
Sr Loan Officer
Service First Mortgage
05.2024 - Current
Collaborated with underwriting team to expedite loan processing times and ensure timely closings for clients.
Developed strong relationships with borrowers, resulting in high levels of customer satisfaction and repeat business.
Cultivated referral network with real estate agents, builders, and other professionals to generate new business leads.
Submitted loan applications to underwriter for verification and recommendations.
Mentored junior loan officers, sharing expertise and knowledge to improve overall team performance.
Successfully managed high-volume pipeline of loans, consistently meeting or exceeding monthly sales targets.
Managed a diverse portfolio of loans while maintaining low default rates through careful risk assessment and proactive borrower support.
Originated, reviewed, processed, closed, and administered customer loan proposals.
Achieved high levels of client retention by providing exceptional service throughout the loan origination process.
SENIOR LOAN OFFICER
Cornerstone Mortgage Company
10.2007 - 05.2024
Originate loans referred from different builders for loans denied by their in-house lender
Re-structure loans for quick approval and closing
Evaluate customer credit file to find the best program based on their needs
Collaborate with the operations staff in order to get underwriting approval in a timely manner
Managed pipeline from application to funding
Develops new business via networking resources and functions amid strict budget constraints
Developed strong relationships with borrowers, resulting in high levels of customer satisfaction and repeat business.
Cultivated referral network with real estate agents, builders, and other professionals to generate new business leads.
Mentored junior loan officers, sharing expertise and knowledge to improve overall team performance.
Successfully managed high-volume pipeline of loans, consistently meeting or exceeding monthly sales targets.
Managed a diverse portfolio of loans while maintaining low default rates through careful risk assessment and proactive borrower support.
Achieved high levels of client retention by providing exceptional service throughout the loan origination process.
Maintained strict compliance with industry regulations, ensuring accuracy in disclosures and adherence to lending guidelines.
SENIOR LOAN OFFICER
KH Financial, L.P.
07.2003 - 10.2007
Developed relationships with sales counselor to maintain 90% capture of all Kimball Hill sales
Closed and funded loans over $50,000,000.00 a year
Reviewed and analyzed credit files for approval thru different automated underwriting systems
Submitted files to different sub-prime lender on loans that does not fall under Fannie Mae or Freddie Mac Guideline
Managed pipeline management from application to funding
Branch Operations Manager
McAfee Mortgage
03.2002 - 12.2002
Assisted Branch Manager with daily operations and pipeline management
Implemented training course for new recruits in software applications and investor guidelines
Assisted in all facets of loan production to assure data integrity
Account Representative/Analyst
Wells Fargo Home Mortgage
11.2001 - 03.2002
Assisted Home Mortgage Consultants in resolution process of their denied or suspended loans
Identified and resolved situations which could potentially delay the processing, approval and closing of loans
Worked with management on team member and team training plans
Decisioned loans with Level 1 & 2 authority
Office Manager/Sr. Loan Processor
Metropolitan Funding Company
03.1990 - 01.1996
Pre-underwrite Conventional, FHA and VA loans
Monitored daily rate sheet to lock-in loan rates
Communicated with different wholesale lenders for updated loan programs
Handled orientation for new Loan Officers and organized weekly staff meeting
Assisted Board of Directors in office management and gave resolution to office problems
Education
BACHELOR OF SCIENCE - Statistics
University of The East
Manila, Philippines
Skills
Program Administrator
Pipeline Management
Sales/Target marketing
Strategic Planning
Forecasting/Trending
Customer Service
Financial Management
Vendor Relations
Contract Negotiations
Accomplishments
DE and LAPP Underwriter
Career Accomplishments
Consistent Top Producer
DE and LAPP underwriter
2009 Cornerstone Mortgage Presidents Club
2007 GHBA Prism Award finalists for 'The Mortgage Specialist of the Year'
2004 Kimball Hill Associate of the Year
1990, 1992 and 1994 Metropolitan Funding Employee of the Year