Zadia Hinkley
Torrance,California
Summary
Accomplished Loan Officer dependable in building customer base and exceeding business goals. Well-versed in loan products and customer engagement strategies. Pursues opportunities to build connections via orginizing seminars and attending educational courses. Organized Mortgage Loan Officer with 22 years of experience in [Area of Expertise]. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations.
Overview
6
6
years of professional experience
Work History
Mortgage Loan Officer
First Citizens Community Bank
04.2022 - Current
- Increased loan approval rates by efficiently managing pipeline and maintaining strong relationships with borrowers, realtors, and underwriters.
- Customized marketing materials aimed at attracting potential mortgage applicants within specific target markets.
- Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
- 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.
- Organized educational seminars for prospective homebuyers, increasing company visibility in the community.
- 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.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Explained different types of loans pertaining to client situations.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Developed and implemented marketing campaigns to generate new business opportunities.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Managed risk effectively by adhering closely to compliance guidelines during all stages of the loan origination process.
- Optimized sales strategies by analyzing team performance metrics and implementing data-driven improvements.
- Negotiated favorable terms on behalf of clients, ensuring their long-term financial success with their mortgage loans.
- Maintained a comprehensive knowledge of current industry trends and regulatory changes to provide expert guidance for clients.
- Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
Mortgage Loan Officer
Bank Of The West, BNP Paribas
02.2018 - 03.2022
- Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
- 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.
- Organized educational seminars for prospective homebuyers, increasing company visibility in the community.
- Developed strong partnerships with local real estate agents to generate consistent referral sources for mortgages.
Education
Bachelor of Arts - Business Administration
California State University - Chico
Chico, CA1992
Skills
- Sales Development
- Loan Origination
- ACT CRM(Customer Relationship Management)
- Credit Evaluation
- Strong Communication
- Relationship Building
- Problem Solving
- Organizational Skills
- Product Knowledge
- Decision Making
- Customer Relations
- Microsoft Office
- Bank Product Marketing
- NMLS Registration
- Database Management
- Decision-Making
Affiliations
- South Bay Board of Realtors and Inglewood Board of Realtors
Hiking, Line Dancing and Paddle Boarding
I enjoy hiking
Languages
Spanish
Native or Bilingual
Timeline
Mortgage Loan Officer
First Citizens Community Bank
04.2022 - Current
Mortgage Loan Officer
Bank Of The West, BNP Paribas
02.2018 - 03.2022
Bachelor of Arts - Business Administration
California State University - Chico
Similar Profiles
Brenda QuirosBrenda Quiros
Universal Banker at First Citizens Community BankUniversal Banker at First Citizens Community Bank
Scott E CollinsScott E Collins
Loan Processor at Citizens Community BankLoan Processor at Citizens Community Bank
Samuel PulliamSamuel Pulliam
Commercial Loan Officer at Citizens Community BankCommercial Loan Officer at Citizens Community Bank