Summary
Overview
Work History
Education
Skills
Timeline
Generic

Virginia Cearra

Grant-Valkaria

Summary

Professional with strong background in customer interactions and service solutions. Highly skilled in conflict resolution, communication, and problem-solving, ensuring customer satisfaction and loyalty. Effective team collaborator, adaptable to changing needs, and consistently focused on achieving results through efficient and empathetic service. Known for reliability and proactive approach to meeting customer and organizational goals.

Overview

25
25
years of professional experience

Work History

Mortgage Loan Officer

Regions Bank
11.2022 - Current
  • Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
  • Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
  • Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
  • Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
  • Analyzed loan applications and credit reports to determine loan eligibility and risk level.
  • Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
  • Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
  • Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
  • Participated in industry events and conferences to build relationships and gain market intelligence.
  • Developed extensive network of referral partners to source new mortgage loan opportunities.
  • Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
  • Increased loan approval rates by efficiently managing pipeline and maintaining strong relationships with borrowers, realtors, and underwriters.

Mortgage Loan Officer

US Bank
11.2018 - 11.2022
  • Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
  • Streamlined the loan application process for improved customer satisfaction and a higher volume of closed loans.
  • Organized educational seminars for prospective homebuyers, increasing company visibility in the community.
  • Worked with underwriters to fix application problems and resolve issues.
  • Fielded customer complaints and provided solutions.
  • Mentored junior loan officers to improve team performance and meet organizational goals.
  • Enhanced customer satisfaction with personalized mortgage counseling, leading to significant rise in client referrals.

Mortgage Loan Officer

Seacoast Bank
08.2016 - 11.2018
  • Managed risk effectively by adhering closely to compliance guidelines during all stages of the loan origination process.
  • Customized marketing materials aimed at attracting potential mortgage applicants within specific target markets.
  • Participated in ongoing professional development programs to continuously expand knowledge of the mortgage industry and enhance skills as a loan officer.
  • Negotiated loan terms and conditions with clients to maximize profitability.
  • Implementing effective time management techniques allowed me to consistently exceed monthly sales targets while maintaining high-quality customer service standards.
  • Maintained a comprehensive knowledge of current industry trends and regulatory changes to provide expert guidance for clients.

Mortgage Production Manager

Regions Mortgage
04.2008 - 08.2016
  • Resolved issues quickly to maintain productivity goals.
  • Increased overall productivity by identifying bottlenecks in the production process and proposing effective solutions.
  • Oversaw quality control efforts, maintaining strict adherence to industry standards and regulatory requirements while achieving high levels of customer satisfaction.
  • Developed and implemented marketing campaigns to generate new business opportunities.
  • Negotiated favorable terms on behalf of clients, ensuring their long-term financial success with their mortgage loans.

Sales Manager Non-Prime

JP Morgan Chase
05.2006 - 10.2007
  • I was the #5 Producer in the Country out of over 1300 employees producing for Chase. I am the number #1 producer in my Branch. I have trained a staff of very successful loan officers and help show them the way to success. I have brought in several new developers and builders since coming aboard Chase. I have also learned how to Market successfully to all the areas in Brevard County. I am helped build a trust between Prime LO’s and Non-Prime LO’s to make sure that the loan process runs effectively and quickly. I am known for my ability to make any builder or even small credit union want to use Chase for all their business needs. I recently signed up a top builder in Miami, who builds condo complexes all over the state of Florida. I am very effective at marketing myself in any market.

Financial Representative/Asst Branch Manager

American General Finance
09.2003 - 11.2004
  • As a Financial Representative you are on an 18 month program to become a Branch Manager. Before I left NC I was training 2 other new Branch Managers on how to do their job. I have obtained Loan officer and Life and Health license. I had to learn all aspects of the job including the CSR position, which requires you to collect payments, answer phones, run all daily reports and compile data from previous business day and may other clerical items. My position has a wide range of tasks that include discussing mortgages, taking mortgage applications, reviewing credit, running mortgage proposals, quotes, loans, and preparing all loan documents for attorney closing. I am knowledgeable in RESPAS, TILA, and all other aspects of mortgages, such as running mortgage quotes and compiling rate based on credit information and amount requested. I have always met or exceeded my monthly sales goals for mortgage and personal loans. I am also required to take personal loan applications. I take the application, review the credit information, verify the customers information (ex.job, employment), and make a decision based on those items. I also review and discuss all the legal documents with the customer before presenting them with the loan check. Another aspect of my job is making collection calls and field calling. I make daily collection calls, go to customers homes to collect money or inspect security on the loan for repossession, or make payment arrangements with customers. I also deal with any customer complaints that come through the door or over the phone.

Assistant Program Manager

ACCENT
01.2001 - 08.2003
  • Started as just a customer service representative (CSR), answering customer service calls for clients such as Bryant, Carrier, Amana, Murray, Qwest, MTD, Troy-Bilt, Ryobi, Sprint, and Maytag. Rapidly moved up in the company to a Senior Program Associate, where I was in charge of 20 CSR's performance and keeping up daily client reporting for my boss. Had to take supervisor and manager calls and train CSR's on daily routines. After 8 months moved up to Assistant Program Manager, where I had to keep track of 75 CSR's performance and meet daily with clients. Had to run numerous reports and send daily updates to clients on call center performance. Had to learn how to raise the cost to our clients, by making more Revenue Per Hour, making them a substantial amount more money. When I started on Maytag, which was the client, the Revenue Per Hour was $178.34, and I raised that Revenue Per Hour to $303.28, for which Maytag gave ACCENT more business. For this I received an Outstanding Achievement award from my company for Exceptional Performance.

Education

High School Diploma -

Floyd Central High School
New Albany, IN
05-1999

Skills

  • Goal oriented
  • Relationship selling
  • Customer service
  • Data entry
  • Critical thinking
  • Call center experience
  • Complaint handling
  • Microsoft Excel
  • Professional telephone demeanor

Timeline

Mortgage Loan Officer

Regions Bank
11.2022 - Current

Mortgage Loan Officer

US Bank
11.2018 - 11.2022

Mortgage Loan Officer

Seacoast Bank
08.2016 - 11.2018

Mortgage Production Manager

Regions Mortgage
04.2008 - 08.2016

Sales Manager Non-Prime

JP Morgan Chase
05.2006 - 10.2007

Financial Representative/Asst Branch Manager

American General Finance
09.2003 - 11.2004

Assistant Program Manager

ACCENT
01.2001 - 08.2003

High School Diploma -

Floyd Central High School

Similar Profiles

CREATE PROFILE