Financial Analyst Loan
Resume:
Pedro Rodríguez Virgen
****.******@*****.***
OBJECTIVE:
A thorough thinker with the ability to manage towards profitability while maintaining the utmost professionalism and sensitivity in management and communications. Customer relations, personally persevering, and patient teacher trainer who develops the abilities of others in the context of achieving company goals and objectives.
EDUCATION:
1973-1977 Valley View H.S. Santa Anna, CA
1978-1981 Economics MCC, Mesa, AZ
EMPLOYEMENT:
Wells Fargo Auto;
Loan Doc Specialist 2; 03/24 - Present.
. Auto refinances, responsible for review applications, proper paperwork.
. Verified and calculate income, housing make sure qualify accordingly with
Wells Fargo policies and guidelines.
. Calculate and verify PITI, DTI, LTV’s.
. Constant communications with applicants, maintain and built
good relationships.
. Review and pre audit loans prior to funding.
AmerifirstFinancial, Inc.
Loan Originator Assistant. Gilbert, AZ ( 11/15/2016- 01-10-2018.
· Responsible for starting all new customer files and maintaining files for active loan transactions.
· On hand for closings and responsible for making sure loan checklist was satisfied.
· Assisted loan officer with reviewing loan documents and checking for any inaccuracies.
· Responsible for fielding incoming calls from current clients and prospects looking for more information.
· Helped to develop the loan checklist for each new loan.
· Assisted in maintaining strong channels of communication with clients and agents.
· Submitted applications to credit analysts for verification and recommendation.
· Kept all parties up to date each step of the way and resolved any questions or issues they may have had.
Ventana Loan Services, LLC
Mortgage Loan Originator, Gilbert, AZ (05/02/2016- 08-15-2016)
** Company decide to stop originating loans and close the entire sales dept
Responsibilities
As a Loan originator, I assists the borrower in determining the proper loan program, completing the loan application and gathering the necessary paperwork, including pay stubs, tax returns and bank statements, to begin the loan process. A credit report is obtained and analyzed by myself. During the mortgage loan process, I do maintain constant communication with the appraiser, title officer, escrow officer, loan processor and underwriter.
Home Preservation Specialist 2
Wells Fargo Home Preservation, Tempe, AZ (07/27/09- 04/29/2016)
Responsible for providing single point of contact to borrowers whose loans are delinquent or at high risk for delinquency.
Assist borrowers to find solutions to maintain home ownership, including HAMP, proprietary modifications, RPPs, etc. If retention options are not possible, discuss other solutions including short sales, deeds in lieu, etc.
Identify, maintain, track and log requested documentation for loan modification review with a pipeline of approximately 120 loans.
Notify customers of loan modification decision, current status, options, timelines, coordination touch points, and customer obligations through the process.
Interview borrower to understand borrowers specific situation; identify and request the appropriate documents required for loan modification review
Ensure necessary information and complete packages are received in a timely manner, maintained, tracked, and logged in multiple systems
Place outbound calls to notify borrowers when additional loan document information is required; follow up on loan docs.
Store Manager
Radio Shack, Phoenix, AZ (01/22/09 – 07/24/09)
In charge of the entire store operations.
Had 6 associates, which included; task management, profit & loss statements, hiring/training of new associates, toward profitability.
Daily, weekly and monthly, store financial reviews, training developments.
Daily operations include; sales, planogram updates, new training modules, wireless inventories, stock inventories, price updates, daily-posted goals as individuals and as a district store.
Mortgage Consultant/Manager Partnership
Arizona Home Retention, LLC, Phoenix, AZ (09/06/05 – 06/20/09)
Home Purchases and Refinance, Prequals to new customers.
Maintaining daily contact with bank’s, mortgage and real estate agents.
Update new loan’s programs and new rates in the market.
Home loan modifications.
Loan processor and financial analyst.
Loan Specialist
Westview Financial, Phoenix, AZ (11/09/2004 – 08/25/2005)
Home loan originator with the purpose to offer the borrower’s the best option to refinance their existing loan, and make their monthly payment’s affordable.
Financial statement analyst.
Verify borrower’s information and explain the various types of loan’s and credit term’s available to the applicant using the Point Software as a valuable tool to determine and analyze the financial status of the borrower’s and qualified options.
Loan Officer
Eagle First Mortgage, Phoenix, AZ (02/06/2000 – 10/30/2004)
Specialized on home mortgage loans, refinancing and loan modifications.
Able to originate more than 45 loans per month, with a closing success of 85 percent.
Team leader, in charge of 25 loan officers and 5 loan processors.
Financial analyst, to determine the client’s credit worthiness, based on credit history by using the Point Software.
Contact this candidate