Experience

Gateway

• United States
• Banking
• 100 - 200 Employee

• Mortgage Loan Originator NMLS 208632

  • Sep 2020 - Present

  Mortgage Loan Origination Mortgage Loan Origination



IBC Mortgage

• United States
• Banking
• 1 - 100 Employee

• Mortgage Loan Originator NMLS # 208632

  • Jun 2012 - Feb 2020

  Residential Mortgage Loan Originator Residential Mortgage Loan Originator



New American Funding

• United States
• Financial Services
• 700 & Above Employee

• Residential Mortgage Loan Officer NMLS #208632

  • Sep 2016 - 2017

  * Evaluate credit worthiness by processing loan applications and documentation within specified limits. * Interview applicants to determine financial eligibility and feasibility of granting loans * Update job knowledge on types of loans and other financial services * Assess customer needs, explore all options and introduce different types of loans * Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish quotas * Go the “extra mile” to build trust relationships, customer loyalty and satisfaction throughout the underwriting process * Operate in compliance with laws and regulations and adhere to lending compliance guidelines Show less



Vision Construction Company, Inc.

• Laredo, Texas

• General Manager

  • Mar 2010 - Feb 2012

  * Oversaw company's accounts receivables and payables * Managed and supervised compliance procedures * Managed and maintained budgets on multiple projects * Responsible for daily operations of office and employees * Implemented and maintained procedures and policies to ensure efficiency, consistency, and quality. * Maintained financial records and monitoring systems to record and reconcile payments and other data for daily transactions and reports. * Provided assistance on ongoing projects, analysis of the work flow and documentation procedures * Responsible for payroll processing and expenses. Show less



Advantage Financial Services

• Operations Manager/Residential Loan Officer

  • Mar 2010 - Feb 2012

  * Responsible for daily operations of office and employees * Manage budget and oversee monthly production to ensure branch goals * Develop marketing strategy and execute strategy through branch loan officers * Manage and supervise branch loan compliance for auditing purposes * Oversee branch accounting receivables and payables * Implemented and maintain procedures and policies to ensure efficiency, consistency, and quality on loans. * Develop and maintain business relationships with Investors, Bankers, and work-related Vendors Show less



Cornerstone Home Lending

• United States
• Financial Services
• 700 & Above Employee

• Mortgage Loan Officer

  • Feb 2009 - Feb 2010

  *Met with prospective and current clients to develop information pertaining to their lending needs *Assisted in lending activity coordination through direct contact with loan department *Responsible for representing the company and providing leadership in key community activities involving civic, business, and social organizations. *Promoted business by developing relationships with new and existing realtors, borrowers, and builders *Advised lock-in policies to borrowers and ensure that lock requests are completed properly *Prequalified and interviewed potential borrowers *Provided information to borrowers and related parties about loan options, documents, market conditions and other requirements necessary to close a loan. *Analyzed and reviewed new loan guidelines, updates, programs and changes. Show less



Ruiz Home Mortgage/Ruiz Homes

• Mortgage Loan Officer/Loan Processor/Administrative Assistant

  • Feb 2003 - Feb 2009

  *Met with prospective and current clients to develop information pertaining to their lending needs *Assisted in lending activity coordination through direct contact with loan department *Responsible for representing the company and providing leadership in key community activities involving civic, business, and social organizations. *Promoted business by developing relationships with new and existing realtors, borrowers, and builders *Advised lock-in policies to borrowers and ensure that lock requests are completed properly *Prequalified and interviewed potential borrowers *Provided information to borrowers and related parties about loan options, documents, market conditions and other requirements necessary to close a loan. *Analyzed and reviewed new loan guidelines, updates, programs and changes. ----------------------------------------------------------------------------------------------------------------------------------------------- *Received and assisted incoming phone calls *Customer service representative who maintained a daily log of incoming customer service calls *Scheduled incoming service calls with customer service construction supervisor *Input purchase orders for over 20 jobs at a time *Assisted with color selections and changes *Maintained a database of customer selections *Communicated with numerous vendors on order placements, or outstanding job orders. *Administrative and office activities for multiple supervisors were performed Show less