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Click here or scroll down to respond to this candidateCandidate's Name
PHONE NUMBER AVAILABLE EMAIL AVAILABLESUMMARY STATEMENTA goal driven, self-motivated and seasoned mortgage professional with extensive experience in Banking services, financial counseling, and Mortgage lending. Strong analytical problem solving and negotiation skills. Detail oriented with the ability to produce high quality results in a dynamic environment. Strong knowledge of FHA and conventional mortgage loans.SKILLSFluent reading, writing and speaking in English and Spanish. Computer Skills: Microsoft Word, Excel and Power Point. Proficient with different Mortgage and Banking Platforms systems. EXPERIENCEDreamline Realty, LLC, Real Estate Broker Harrisburg, NC April 2023- Present Developed innovative marketing campaigns to promote properties and generate leads, resulting in increased visibility and sales opportunities. Negotiated contracts and agreements on behalf of clients, achieving favorable outcomes and maximizing value in real estate transactions. Provided expert guidance and support to clients throughout the buying and selling process, earning trust and loyalty through exceptional service delivery. Knowledgeable about real estate laws, regulations, and ethical standards, ensuring full compliance with legal requirements and industry best practices. Adept at closing deals with my comprehensive underwriting and mortgage lending experience. Interest Mortgage, Sr Mortgage Underwriter (Remote) Fort Mill, SC June 2021 - October 2022 Responsible for analyzing mortgage loan applications, reviewing credit, income, and financial statements to evaluate customers credit worthiness. Analyze risk parameters and issued credit decisions. Managed a large pipeline of loans while maintaining excellent loan analysis quality and exceeded performance goals. Analyze personal and Business tax returns and performed up to 25 investment property income calculation. Communicate proactively with the sales team and recommends the appropriate loan products or discusses counteroffer of products to drive deals to successful funding of loans. Ensure compliance with Fannie Mae and Freddie Mac policies and Guidelines. Movement Mortgage LLC, Mortgage Underwriter III (Remote) Indian Land, SC April 2015 - May 2021 Review FHA/VA and conventional mortgage applications. Analyzed applicants credit history, financial statements, and Income to assess loan eligibility. Build relationship with LOs and Processors to ensure the smooth and easy loan process and customer experience. Reviewed business tax returns and profit and loss statements. Served as a mentor to the sales team; addressed problems and execute corrective action. Counteroffer loan programs to protect risk. Maintain a high level of quality loans and at the same time meet the monthly goal. Fifth Third Bank, Credit Analyst Charlotte, NCMay 2012 - Feb 2015 Collect and review mortgage loan applications Act as a liaison between borrowers, Loan officers and underwriters. Coordinate with appraiser, title company, insurance providers and government agencies, to insure all requirements are met. Process loan applications in a timely manner, meeting stablished deadlines and turnaround times. Review all documents and verify the accuracy and completeness of all documentation, including income verification, asset statements, credit reports and property appraisal. Bank of America HSS Mortgage Specialist II - Loan Officer Charlotte, NC March 2010 - April 2012 Process complex FHA and low-income mortgage loans. Serves as a liaison to Underwriters and Loan Officer to ensure the smooth process of the loans. Had level II credit underwriting authority to clear conditions. Support the Hispanic Loan Officers from initiation to closing Fifth Third Bank, Assistant Branch Manager- Mortgage Loan Officer Charlotte NCJanuary 1999- Dec 2009 Worked side by sDeveloped financial presentations with small business owners and offered Bank products to the Spanish Community. Identified opportunities to optimize referrals throughout the different loan types and investment products. Sale of all mortgage products to first time home buyers and low-income customers in the Hispanic community. Build relations with builders and realtors to increase the loan portfolio. EDUCATION: Universidad Tadeo- Business Administration- Bogota - Colombia. REFERENCES Will provide upon request. |
