Theresa Romero
Rancho Cucamonga,CA
Summary
Resourceful professional in financial services, known for high productivity and efficient task completion. Specialized in risk assessment, regulatory compliance, and customer service. Excel using communication, problem-solving, and adaptability skills to achieve goals and meet client needs.
Bilingual, and willing to go the extra mile to ensure quality service to each and every customer. A dependable Loan Specialist committed to explaining complex information in easy to understand terminology.
Overview
14
14
years of professional experience
Work History
Loan Specialist
Agent Locator Sc1, LLC
Rancho Cucamonga, CA
09.2018 - Current
- Held meetings with prospective clients to analyze mortgage alternatives
- Collected and assessed financial documentation to evaluate qualification for loans
- Collaborated with underwriters to ensure successful loan approval for clients
- Provided clients with guidance on loan programs and interest rates
- Maintained accurate records of client interactions and loan progress
- Ensured compliance with state and federal regulations governing mortgage lending
- Developed strong connections with real estate agents and various referral sources
- Performed follow-up with clients to ensure their satisfaction and address any potential issues after loan closure.
- Keeping up to date with changes and trends in the mortgage industry through ongoing education
Financial Services Representative
American Financial Network
Rancho Cucamonga, CA
04.2010 - 09.2018
- Assisted Mortgage Loan Officers with loan pre-qualifications by gathering and verifying customer financial information.
- Assisted in preparing marketing materials to promote new loan products or services.
- Prepared loan applications and documents by gathering required information from customers.
- Performed file maintenance activities including archiving closed loan files according to company standards.
Production Manager
International City Mortgage
Ontario, CA
03.2013 - 08.2018
- Defined and built tailored Mortgage product palette to meet diverse client and regional needs.
- Ensured compliance with internal policies and external regulations
- Measured business impacts of enhancements during implementation and post implementation
- Recruited, hired, onboarded, trained, directed, led and managed a team of mortgage loan processors, processing assistants and other members.
Education
High School Diploma -
Paramount High School
Paramount, CA06-1983
Skills
- Credit Analysis and Risk Assessment
- Financial Analysis and Interpretation
- Loan Origination and Processing Software Proficiency
- Understanding of Regulatory Compliance and Law
- Real Estate Market Analysis
- Interest Rate Structure Knowledge
- Debt-to-Income and Loan-to-Value Calculation
- Underwriting Guidelines and Procedures
- Customer Relationship Management (CRM) Software Skills
- Advanced Excel and Financial Modeling
Languages
Spanish
Professional
Timeline
Loan Specialist
Agent Locator Sc1, LLC
09.2018 - Current
Production Manager
International City Mortgage
03.2013 - 08.2018
Financial Services Representative
American Financial Network
04.2010 - 09.2018
High School Diploma -
Paramount High School
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