VANESSA JEZIN
Las Vegas,NV
Summary
Talented Loan Officer with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.
Overview
28
28
years of professional experience
Work History
Trusted Mortgage Advisor
Arbor Financial Group
03.2023 - Current
- Analyze customer's credit report, personal and corporate tax returns and profit & loss statements to authorize or recommend approval of customer applications for residential real estate loans
- Determine cash flow analysis for investment property clients
- Compile loan packages with accuracy and completeness and facilitates negotiation with applicant according to established standards, such as fees, loan repayment options, and other credit terms
- Obtain loan approval within specified limits or refers loan-to-loan committee or underwriting department for approval and
ensures loan agreements are complete and accurate according to policy - Identify and analyze potential loan markets to develop prospects for residential real estate loans
- Provide loan data to support marketing and sales promotion programs
- Assists customers with inquiries and information requests and resolves complaints relating to loan products and services offered
- Developed and maintained relationships to clients, real estate agents and escrows throughout each transaction to ensure productive and timely closings, providing utmost confidentiality
- Satisfactorily complete all required compliance training and is responsible for compliance with legal, regulatory and company policies
Trusted Mortgage Advisor
Amerisave Mortgage
09.2021 - 03.2023
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Compiled client documents to verify accuracy and completeness for underwriting
- Processed loan applications and monitored progress from start to finish.
- Assisted customers with completing loan applications and other paperwork.
- Monitored pipelines to track and log status of loans.
- Explained very technical financial information to applicants in easy to understand language.
- Proactively identified solutions for customers experiencing credit issues.
- Negotiated loan terms and conditions with customers to secure best deal.
- Researched and updated industry knowledge on changing legislation and regulations.
Senior Loan Officer
Sun West Mortgage Company
06.2020 - 09.2021
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Submitted loan applications to underwriter for verification and recommendations.
- Developed and maintained relationships with local real estate agents.
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Maintained strict confidentiality of bank records and client information.
- Utilized risk management strategies to attain high loan approval rates.
- Developed strong relationships with customers through high levels of customer service.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Collaborated with other departments to promptly process loan applications.
- Developed and implemented marketing campaigns to attract new customers.
Senior Loan Officer
Pinnacle Home Loans
08.2019 - 06.2020
- Analyzed tax returns and credit reports to determine loan eligibility and risk level.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Worked with underwriters to fix application problems and resolve issues.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Negotiated loan terms and conditions with clients to maximize profitability.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Participated in industry events and conferences to build relationships and gain market intelligence.
Senior Loan Officer
American Pacific Mortgage Corporation
09.2015 - 08.2019
- Analyzed client's credit and tax returns to determine loan eligibility.
- Submitted loan applications to underwriter for verification and recommendations.
- Originated, reviewed, processed, closed, and administered customer loans.
- Developed and maintained relationships with local real estate agents.
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Collaborated with other departments to promptly process loan applications.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Advised clients on mortgage, education and personal loans.
Mortgage Loan Officer
First Cal Mortgage Company
03.2011 - 08.2015
- Originated residential mortgage loans by consulting with clients and analyzing their tax returns and credit to determine loan eligibility
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Explained different types of loans pertaining to client situations.
- Negotiated loan terms and conditions with clients to maximize profitability.
- Checked loan documents for accuracy prior to closing.
- Monitored portfolio performance and provided clients with periodic updates on loan progress.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- 2012 & 2013 President's Award Recipient
Loan Officer
SWBC Mortgage Company
09.2009 - 03.2011
- Consult with customers about their financial situation, financial and personal objectives and lending needs for the purpose of helping them achieve their home ownership goals
- Collect and analyze information about the customer's financial situation, financial and personal goals, tolerance for risk and change, plans for the future, income, assets, debts, cash flow, and credit history
- Make recommendations to customers about which lending solutions would best meet the customers' financial and personal objectives
- Partner with Operations teams to ensure the seamless transfer of the loan application in order to provide documents to the Processors and acquire any additional information needed by the Processors and/or Underwriters
- Built key referral relationships with Realtors, CPA's and Builders
Loan Officer Assistant
Independent Mortgage
10.2003 - 09.2009
- Provided support for top-producing Loan Officers
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
- Monitored key dates to obtain information by deadlines.
- Assisted with timely loan closing and funding activities with efficient management of task checklists.
- Assembled important paperwork and disclosures for borrower.
- Worked with Loan Officer to create application profile in system and review key information at various stages within process.
- Cultivated productive relationships with clients, realtors, and title/escrow officers to increase profits and expand customer base.
- Assisted in resolving customer complaints, following procedures to find mutually beneficial solutions.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Answered inquiries and provided superior customer service to clients.
- Set up files using loan officer checklist and submitted on-time for processing.
- Communicated with customers daily to request information and complete paperwork.
Senior Editor
Bobit Business Media
01.1999 - 01.2002
- Developed story ideas
- Researched, wrote and edited articles for monthly magazine publication
- Assigned work to freelance writers
- Worked with graphic designers for layout and formatting whilst contributing ideas for the visual story of the article
- Attended trade shows and formed relationships with advertisers
- Assisted on photo shoots
Reporter
The Orange County Register
01.1997 - 01.1999
- Collaborated with editors and the public to develop story ideas
- Wrote articles for weekly city newspaper publication with strict deadlines
- Attended City Council and other government agency meetings for story ideas and interviews
- Was the main reporter who covered the massive redevelopment of the downtown area of Brea
- Immersed myself in the community to develop contacts and story ideas
Intern
KHON, Channel 2 News
01.1996 - 01.1997
- Answered phones at the Assignment Desk
- Filed and retrieved news scripts, printouts and recording tapes
- Telephoned government agencies, sports facilities and monitored other stations to obtain weather, traffic and sports information
- Logged video tape
- Helped reporters and produces research stories
- Accompanied and assisted reporters and producers in the field
- Compiled, dispensed and filed news stories and related copy to assist producers
Education
Bachelor of Arts - Broadcast Journalism
University of Hawaii At Manoa
Honolulu, HI05.1997
Skills
- Proficient in Microsoft Office, Byte, Encompass 360, Loan Sifter and Floify
- Financial Information Review including Corporate Tax Returns and Credit
- High Net Worth Individuals Marketing
- Financial Database Analysis
- Ability to work productively under inordinate pressure
- Excellent written and verbal communication skills
Timeline
Trusted Mortgage Advisor
Arbor Financial Group
03.2023 - Current
Trusted Mortgage Advisor
Amerisave Mortgage
09.2021 - 03.2023
Senior Loan Officer
Sun West Mortgage Company
06.2020 - 09.2021
Senior Loan Officer
Pinnacle Home Loans
08.2019 - 06.2020
Senior Loan Officer
American Pacific Mortgage Corporation
09.2015 - 08.2019
Mortgage Loan Officer
First Cal Mortgage Company
03.2011 - 08.2015
Loan Officer
SWBC Mortgage Company
09.2009 - 03.2011
Loan Officer Assistant
Independent Mortgage
10.2003 - 09.2009
Senior Editor
Bobit Business Media
01.1999 - 01.2002
Reporter
The Orange County Register
01.1997 - 01.1999
Intern
KHON, Channel 2 News
01.1996 - 01.1997
Bachelor of Arts - Broadcast Journalism
University of Hawaii At Manoa
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