Josh Rivera
Mortgage Loan Originator at NRL Mortgage- Claim this Profile
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Bio
Experience
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NRL Mortgage
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United States
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Financial Services
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200 - 300 Employee
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Mortgage Loan Originator
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Sep 2022 - Present
· Evaluating loan applications and documentation by confirming credit worthiness. · Maintaining customer confidence by keeping loan information confidential. · Originate transactions by taking complete and accurate loan applications. · Complete loan contracts by explaining provisions to applicant; obtaining signatures and notarizations; collecting fees. · Improves loan applications and documentation by informing applicant of additional requirements. · Establishes and maintains relationships with Realtors, bank officers, builders and new home sales representatives in order to develop and retain existing business. · Monitor overall customer interaction and interfaces with all parties involved on each individual loan from application to closing, including but not limited to counseling and pre-qualifying potential home buyers · Collect and analyze information regarding the customer's income, assets, investments or debts · Evaluate clients and other loan products and services and determines which financial products best meet the customer's needs and financial circumstances · Advise the customer regarding the advantages and disadvantages of different loan products · Service existing customers and obtains all necessary support documents along with the appropriate fees and lock in information · Oversee the loan process by monitoring loan status and ensures conformity with terms · Communicate loan status to all interested parties, and obtains loan documentation after closing · Negotiates terms and conditions of loans with customers · Stay abreast of trends and developments in the local real estate market and competitive environment, as well as, changes in rules and regulations pertaining to private and government insured mortgages · Acts as a mentor to Mortgage Loan personnel to improve their knowledge of policies and procedures, loan programs, investor guidelines Show less
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Lombardi Family Concepts, Inc.
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United States
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Restaurants
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1 - 100 Employee
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Lead Bartender
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Mar 2016 - Present
• Preparing alcoholic or non-alcoholic beverages for bar and patrons. • Interacting with customers, taking orders and serving food and drinks. • Assessing bar customers' needs and preferences and making recommendations. • Researched wines in order to make recommendations to customers. • Providing food menu recommendations and service. • Ensuring food and safety regulations are being followed. • Training new employees on company policy and procedures. • Consistently recognized for excellent customer service and top sales. • Responsible for ordering of wine and liquor inventory • Delegating overseeing duties of bartending staff. • Responsible for nightly audits • Acquired loyal customers and received outstanding reviews. • Recognized as a consistent top performer with many acknowledgements for exceptional customer service. Show less
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Smith & Wollensky Restaurant Group, Inc.
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United States
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Restaurants
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100 - 200 Employee
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Server
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Apr 2015 - Apr 2016
• Executed daily menu presentations and shared specific information regarding available menu items including Certified Angus Prime Beef and other exclusive gourmet menu offerings. • Acquired and delivered information regarding extensive wine menu selections. • Delivered wine presentations and offered recommendations to a discerning clientele. • Regularly achieved highest per-night wine sales averages. • Prepared the dining room before and after the shift for adherence to company safety and service policy. • Maintained detailed knowledge of menu items and ingredients as well as delivered tableside presentations to drive sales. • Collaborated with the kitchen through POS systems and verbally to maximize customer satisfaction. • Developed and utilized a personal system to organize customers' orders and provide excellent service. Show less
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Executive Recruiting Coordinator
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Sep 2013 - Oct 2015
• Supported the regional offices nationwide by sourcing Accounting & Finance, Supply Chain Management, Information Management and Chemical/Oilfield Services clients. • Extensive use of job boards and networking to source candidates that provide consulting services to Fortune 500 company clients. • Implemented consultative approach to communicating and serving the needs of hiring managers that enabled recruiters to identify and satisfy departmental needs. • Improved productivity by utilizing predictive data and internal employee development tools to proactively recruit talent. • Supported the regional offices nationwide by sourcing Accounting & Finance, Supply Chain Management, Information Management and Chemical/Oilfield Services clients. • Extensive use of job boards and networking to find candidates that provide consulting services to Fortune 500 company clients. • Kept current with client Health and Safety requirements to match client needs with candidate experience. • Ensured onsite staff was compliant with client safety requirements while visiting work locations. • Implemented consultative approach to communicating and serving the needs of hiring managers that enabled recruiters to identify and satisfy departmental needs. • Improved productivity by utilizing predictive data and internal employee development tools to proactively recruit talent. Show less
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Glowing Handy-Works.
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Houston, Texas Area
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Contractor
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May 2012 - Sep 2012
• Assist tradesmen and machine operators in construction projects • Perform various task as instructed-framing, wood cutting to measurements, etc. • Erect and break up scaffolding, ramps etc. with attention to safety • Unload and carry materials at construction sites • Level concrete and earth using trowels and shovels. • Use equipment to break old forms and structures • Prepare and apply construction materials to build structures or fill gaps • Smooth and level new concrete or other materials • Clean up spills and remove hazardous material. • Remove debris and discarded material from construction sites Show less
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