JANET ERAZO

**** ****** **. 407-***-****

Kissimmee, FL 34746 acs097@r.postjobfree.com

MORTGAGE LOAN OFFICER

PROFILE

Accomplished, dedicated, and reliable Bilingual Mortgage Loan Officer with over 2 years of exceptional customer service experience, effective communicator, detailed oriented and time management skills. Self-motivated, team player with outstanding work ethics and positive attitude.

SUMMARY OF QUALIFICATIONS

Critical thinker with active listening skills

Advocate for knowledge sharing/idea generation

Able to evaluate/improve/processes

Detail and Service oriented accounting skills

Outstanding time & conflict management skills

Great organizational and coordination skills

Able to make sound judgments and decisions

Committed to achieving on the job excellen

PROFESSIONAL EXPERIENCE

Analyzed applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.

Analyzed potential loan markets and develop referral networks to locate prospects for loans.

Approved loans within specified limits, and refer loan applications outside those limits to management for approval.

Arranged for maintenance and liquidation of delinquent properties.

Computed payment schedules.

Conferred with underwriters to aid in resolving mortgage application problems.

Explained to customers the different types of loans and credit options that are available, as well as the terms of those services.

Handled customer complaints and take appropriate action to resolve them.

Interviewed, hired, and trained new employees.

Market bank products to individuals and firms, promoting bank services that may meet customers' needs.

Met with applicants to obtain information for loan applications and to answer questions about the process.

Negotiated payment arrangements with customers who have delinquent loans.

Prepared reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.

Provided special services such as investment banking for clients with more specialized needs.

Reviewed and updated credit and loan files.

Reviewed loan agreements to ensure that they are complete and accurate according to policy.

Set credit policies, credit lines, procedures and standards in conjunction with senior managers.

Stayed abreast of new types of loans and other financial services and products to better meet customers' needs.

Submitted applications to credit analysts for verification and recommendation.

Supervised loan personnel.

Worked with clients to identify their financial goals and to find ways of reaching those goals.

EMPLOYMENT HISTORY

Diamond Resort, Orlando, FL Sales Time Share 10/2014-Present

Vacation Village Resort, Kissimmee, FL Sales Time Share 07/2013-02/2014

Sheraton Resort, Orlando, FL Sales Time Share 05/2012-03/2013

Vacation Village Resort, Kissimmee, FL Sales Time Share 07/2007-08/2010

Celebrity Resort, Orlando, FL Sales Time Share 12/2004-08/2006

Westgate Resorts, Orlando, FL OPC Marketing 01/2003-12/2005

Paragon Mortgage Bank, Long Island, NY Loan Generator 03/2002-08/2003 Accountad and Business Manager

EDUCATION

Guayaquil State University Bachelor Degree – Business Administration

TREI School Real Estate Lic.Real Estate Sales Associate

Queens - New York Accountad and Business Manager

Im always, Available, able and competent to receive any training for the development work, if need.

CERTIFICATION

State of Florida Real State License

REFERENCES

All you need

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