Experienced remote work, inbound call, technology, organization skills
Resume:
Michelle Zamora
Polished Professional Business Leader
Magnolia, TX 77355
ad5si3@r.postjobfree.com
SR. ACCOUNT EXECUTIVE/SR. LOAN OFFICER/SR. FINANCE MANAGER Mortgage lending professional with 20+ years of industry experience. Excellent interpersonal and communication skills (verbal and written) Self-starting, Self-reliant, highly motivated, and dependable Efficient in time-management and ability to organize and prioritize tasks Technology savvy and comfortable learning new systems and programs Working knowledge of lending guidelines and a thorough understanding of the process and procedures contributing to the productivity, profitability, and loan quality Knowledge of basic lending, real estate contracts and language, appraisals and title Demonstrates solid leadership ability Highly motivated Loan processing expertise Conforming & Nonconforming Loans, Fannie Mae & Freddie Mac Guidelines, Bond loans, FHA, VA, Non-QM, and USDA Rural Development Loans. maintains very high standards and ethics bringing exceptional administrative and problem-solving skills focused on efficiently fulfilling loan requirements And closing dates.
Work Experience
Sr. Finance Manager
Introlend Amplify LLC - Houston, TX
September 2022 to August 2023
Service all realtor client mortgage lending needs within the organization with strong ethical skill and professionalism. Consumer direct and continuing the learned culture centered around offering the best experience for the customer. Main priority to close and fund mortgage loans. We offer Conventional, Non- Conventional, Jumbo, Texas Cash Out, FHA, FHA Streamline, Freddy, USDA, VA, VA Swirls, DU Refi-plus, HARP ll (to 150% LTV), 203K, Non QM, Construction Perm Financing. Company Close due to rising rate impact on volume.
Sr, Loan Officer
America’s Best Lending - Houston, TX
September 2020 to August 2022
Started as loan processor while waiting for loan officer licensing process, career change to become a loan officer provided superior expertise in communication and negotiating while providing quality customer service. Innovative in leveraging extensive knowledge of products and services as well as creating solutions for customers to drive loyalty, retention and revenue. Utilized superior skills training, managing, coaching and mentoring associates. Evaluate and review documentation provided by brokers to ensure documents provided meet the requirements for final approval. Thorough review and evaluation of all documentation related to loan file and ensure in compliance with company policy. Act as a resource to the Broker answering common questions about various parts of the loan process. Initiate welcome call to Processor and Broker to discuss conditions and to gather additional information as needed. Order tax transcripts, flood cert, credit refresh, fraud report, FHA/VA case numbers, and request CD. Schedule closing with title company.
Assisted clients in selecting correct loan product and terms to meet needs and financial goals. Analyzed loan applications and credit reports to determine loan eligibility and risk level. Communicated with clients, processing teams and other third parties to achieve prompt loan closings. Analyzed potential risks and evaluated loan products to identify suitable options for customers. Supervised loan personnel and motivated to maintain customer service and performance standards. Processed loan applications and monitored progress from start to finish. Approved loan applications based on customer creditworthiness and provided detailed financial advice.
Sr. Account Executive
Central Bank - Houston, TX
July 2020 to August 2020
Wholesale Account Executive, based remotely, Main highlight opportunity to experience, learn andsucceed growing business with
Down-payment assistance programs. Also offered Conventional, Non-Conventional Jumbo, Texas Cash Out, FHA, FHA Streamline,
Freddy, USDA, VA, VA Swirls, DU Refi-plus,,HARP ll (to 150% LTV), 203K, 203H, Non QM, Construction Perm Financing. Primary functions to Acquire,manage, service, train and maintain broker accounts. Review QC and rate lock expiration reports. Reviewbroker account productivity, quality, pull thru, and determine continued partnership. Conduct individual,group presentations/training company website software, credit pull/review, electronic loan package submissions, process, services, and eligibility requirements. Use superior knowledge of policy, procedure/ underwritingto structure loans for pull thru projections as well as volume/unit projections monthly. Strategicallyanalyze performance, deploy new marketing strategies, effective pipeline management, manage broker/loan officer usage of automated underwrite tools, develop/manage relationships with accounts, drivesubmissions, customer service, and meet all goals for volume and units. As well as continue activity toidentify new accounts, business opportunities, networking, and participate in leadership, volunteer, andcommunity activities. Bank unexpectedly shutdown due to COVID. Sr, Account Executive
Carrington Wholesale Mortgage - Houston, TX
August 2019 to February 2020
Wholesale Account Executive, based remotely, We offer Conventional, NonConventional Jumbo, TexasCash Out, FHA, FHA Streamline,
Freddy, USDA, VA, VA Swirls, DU Refi-plus,, HARP ll (to 150% LTV), 203K,Non QM, Construction Perm Financing. Primary functions to
Acquire, manage, service, train and maintainbroker accounts. Review QC and rate lock expiration reports. Review broker account productivity,quality, pull thru, and determine continued partnership. Conduct individual, group presentations/trainingcompany website software, credit pull/review, electronic loan package submissions, process, services,and eligibility requirements. Demonstrate knowledge and proficiency and train all Clients on product guidelines, State, and federal compliance, and daily rate matrix.Use superior knowledge of policy, procedure/ underwriting to structure loans for pull thru projectionsas well as volume/unit projections monthly. Strategically analyze performance, deploy new marketingstrategies, effective pipeline management, manage broker/loan officer usage of automated underwritetools, develop/manage relationships with accounts, drive submissions, customer service, and meet allgoals for volume and units. As well as continue activity to identify new accounts, business opportunities, networking, and participate in leadership, volunteer, and community activities.Company reorganize to eliminate remote employees to work as inside sales in Dallas
Area office.
Partner/ Executive Marketing, Client Relations
Processing Solutions - Houston, TX
February 2018 to July 2019
Left REMN to join mortgtage 3rd party processing firm. Offering Broker/Banker/Correspondent Processing,Compliance, QC, and Audit
Services. Company’s License was suspended in April 2018 due to TSML audit as a result offiles prior to my term from 2017. Stayed on in the anticipation of suspension being cleared. It was not cleared until 2020. Sr. Account Executive
REMN Wholesale - Houston, TX
May 2013 to February 2018
Wholesale Account Executive, based remotely, Main highlight opportunity to experience, learn andsucceed growing business with Down- payment assistance programs. Also offered Conventional, Non- Conventional Jumbo, Texas Cash Out, FHA, FHA Streamline, Freddy, USDA, VA, VA Swirls, DU Refi-plus,,HARP ll (to 150% LTV), 203K, 203H, Non QM, Construction Perm Financing. Primary functions to
Acquire,manage, service, train and maintain broker accounts. Review QC and rate lock expiration reports. Reviewbroker account productivity, quality, pull thru, and determine continued partnership. Conduct individual,group presentations/training company website software, credit pull/review, electronic loan package submissions, process, services, and eligibility requirements. Use superior knowledge of policy, procedure/ underwritingto structure loans for pull thru projections as well as volume/unit projections monthly.
Strategicallyanalyze performance, deploy new marketing strategies, effective pipeline management, manage broker/loan officer usage of automated underwrite tools, develop/manage relationships with accounts, drivesubmissions, customer service, and meet all goals for volume and units. As well as continue activity toidentify new accounts, business opportunities, networking, and participate in leadership, volunteer, andcommunity activities. Left to become partner at Processing Solutions Education
Certification in Data Processing
Doolin Technical College - Houston, TX
1989 to 1991
Ashford University Sping High School
1989
Skills
• Loan processing (10+ years)
• Organizational skills (10+ years)
• Credit Reports (10+ years)
• Presentations/Trade Shows (10+ years)
• Technically Savvy (10+ years)
• Mortgage Lending Disclosures/ Guidelines/ Funding (10+ years)
• B2B sales (10+ years)
• Customer retention (10+ years)
• Customer relationship management (10+ years)
• Business development (10+ years)
• Marketing (10+ years)
• Microsoft Office (10+ years)
• Upselling (10+ years)
• Time management (10+ years)
• Self Driven (10+ years)
• Self Motivated (10+ years)
• Work ethic (10+ years)
• Training delivery (10+ years)
• Account management (10+ years)
• Sales pipeline (10+ years)
• Purchasing
• Loan Origination
• Sales
• Negotiation
• Pricing
• Inside sales
• Credit analysis
• Relationship management
• Customer service
• Leadership
• Training & development
• CRM software
• Direct sales
• Outside sales
• Fair Housing regulations
Certifications and Licenses
MLO License
Present
Nmls #1996887
January 2020 to December 2024
Renewal application in process.
Assessments
Inside sales — Proficient
March 2024
Understanding and responding appropriately in sales scenarios, and performing common sales calculations
Full results: Proficient
Customer focus & orientation — Proficient
March 2024
Responding to customer situations with sensitivity Full results: Proficient
Sales fit — Proficient
June 2022
Measures the traits that are important for success in sales positions Full results: Proficient
Customer service — Proficient
March 2024
Identifying and resolving common customer issues
Full results: Proficient
Work style: Reliability — Proficient
July 2022
Tendency to be reliable, dependable, and act with integrity at work Full results: Proficient
Sales skills — Proficient
August 2023
Influencing and negotiating with customers
Full results: Proficient
Work motivation — Proficient
January 2024
Level of motivation and discipline applied toward work Full results: Proficient
Indeed Assessments provides skills tests that are not indicative of a license or certification, or continued development in any professional field.
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