Thomas Pedace
Mortgage Loan Originator
Brea,CA
Summary
Self-driven Mortgage Loan Originator committed to developing a customer-focused work environment. Extensive real estate knowledge and proven success in client education. Possesses innate leadership and team-building skills to enhance a company's value and demand. Ability to handle multiple projects simultaneously with a high degree of accuracy. Demonstrates expertise in real estate market trends and federal lending standards. Skilled in building long-term business and client relationships through exemplary communication and customer service skills.
Overview
6
6
years of professional experience
Work History
Home Mortgage Consultant
Wells Fargo Bank, N.A.
Brea, CA
06.2022 - Current
- Assessed clients' financial data to determine loan suitability.
- Collaborated with and facilitated communications between borrowers and lenders to obtain ideal loans for home purchases.
- Presented, explained and processed home loan documents such as [Document] and [Document] to borrowers.
- Advised clients on loan process and specialized topics in home purchasing such as [Topic] and [Topic].
Mortgage Loan Originator
House Of Loans
Ontario, CA
02.2022 - 07.2022
- Worked with underwriters to fix application problems and resolve issues.
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
- Explained different types of loans pertaining to client situations.
- Collaborated with sales agents, financial planners and accountants to attract clients and enhance beneficial partnerships.
Senior Mortgage Loan Originator
Vision One Mortgage
Newport Beach, CA
10.2020 - 02.2022
- Reviewed loan files and updated to match current standards.
- Fielded customer complaints and provided solutions.
- Explained different types of loans pertaining to client situations.
- Worked with underwriters to fix application problems and resolve issues.
Operations Manager
Vision One Mortgage
Newport Beach, CA
01.2019 - 02.2022
- Set, enforced, and optimized internal policies to maintain responsiveness to demands.
- Introduced new methods, practices, and systems to reduce turnaround time.
- Devised processes to boost long-term business success and increase profit levels.
- Implemented process improvement to shape organizational culture, optimize procedures for higher efficiency and help company evolve and grow.
Senior Loan Processor
Vision One Mortgage
Newport Beach, CA
08.2017 - 02.2022
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Evaluated approvals against established bank and government lending standards.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Reviewed financial statements and contacted institutions and customers to clarify details.
Bar Manager
Davio’s Steakhouse
Irvine, CA
08.2017 - 03.2020
- Strategized plans to increase bar revenue through innovative promotional concepts, specialty drinks, and customer-focused events.
- Consulted with managers to organize special events and promotions.
- Kept alcoholic beverages well-stocked and organized to meet expected demands.
- Created effective employee schedules maintaining coverage at peak times and minimizing labor costs.
Education
Bachelor of Arts - Business Administration And Management
California State University - Fullerton
Fullerton, CA12.2020
Skills
- Ethical business conduct
- Conducting financial assessments
- Written Communication
- Problem-Solving
- Cultural Awareness
- Expertise in Agency, Govt, and Non-QM loans
- Sales
- Loan Processing
- Purchase Loans
- TRID/Reg B Guidelines
Accomplishments
- Successfully generated $48 Mil. (56 total units) in funded loan volume through 100% self-sourced leads & prospects within the first year of obtaining NMLS license.
- Selected to serve as the primary in-house lender for two top producing real estate brokerages (Keller Williams & Compass Realty)
- Served as a board member for the Diversity and Inclusion Committee of the California Association of Mortgage Professionals (C.A.M.P)
- Effectively managed a company pipeline of 200+ funded loans per month when working in the role of operations manager.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
Each problem that I solved became a rule, which served afterwards to solve other problems.
Rene Descartes
Timeline
Home Mortgage Consultant
Wells Fargo Bank, N.A.
06.2022 - Current
Mortgage Loan Originator
House Of Loans
02.2022 - 07.2022
Senior Mortgage Loan Originator
Vision One Mortgage
10.2020 - 02.2022
Operations Manager
Vision One Mortgage
01.2019 - 02.2022
Senior Loan Processor
Vision One Mortgage
08.2017 - 02.2022
Bar Manager
Davio’s Steakhouse
08.2017 - 03.2020
Bachelor of Arts - Business Administration And Management
California State University - Fullerton
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