Consumer Competent, certified signing agent. NJ Notary Republic

MarisolTorruella

***GreenbrookRoad,NorthPlainfield,NJ07060 Cell:

646-***-****

Email:****************@*****.***

ProfessionalSummary

KnowledgeableandefficientMortgageLoanOfficer,with16years’experienceinfinancial,consumer,and commerciallending.Worksexceptionallywellinfast-pacedenvironmentsdrivenbytightdeadlines.Competent andknowledgeableinTri-Statefinancialregulationsandemploysacriticaleyetowarddocumentdetails. CoreQualifications

ProfessionalExperience

SeniorMortgageLoanOfficer Sept2019–

PresentFinancialResourcesFederalCreditUnion Bridgewater,NJ

• MeetwithprospectiveclientstoprovideashortpresentationofthemortgageloanproductsthatFRFCU offers.

• Completeonlinemortgageloanapplications.

• WorkcloselywithOperations’partnerstoeffectivelymanageamortgageloanpipelineofover100 prospectsandexpediteloanclosingsforcustomers.

• Conductssales-relatedactivitiesatvariousbranchesthatenhancetheBank’simageinthelocalcommunity andraisethepublic’sawarenessoftheBank’smortgageandbankingproductsandservices.

• CoverTwo(2)branchesinwhichIassistwithcustomerslendingneeds.

• Workedremotelyduringthepandemicandmaintainedalevelofprofessionalismwhileworkingina non-officesetting.

VicePresidentofResidentialLending Aug2016–Sept2019 AmalgamatedBank NewYork,NY

• Establishedrelationshipswithprospectiveclientstopresentmortgageloanproducts.

• Augmentedmycustomerbasethroughmyowncontactsorthroughtheaffiliateagenciesofmy company.

• Analyzedthefinancialandeconomicscenariosthataffectorcanaffecttheborrowers’orrelated parties’aheadoftimeandexplaintheimpacttotheircurrentorpotentialloans.

• ProactivelycommunicatedwithmembersofSeniorManagementteam.

• Obtainedandcompiledfinancialinformationtoevaluateloanapplicationsandtheirrisk.

• Generatednewclientsandreferralsthroughstrongrelationshipbuilding.

• Trackedandmaintainedcreditandloandata.

• Workeddirectlywithclientstoreviewagreements,explainprograms,andnegotiateloansand terms.

• Maintainedknowledgeofallapplicablestateandfederalregulations.

• Coordinatedcustomerappreciationdaysandmortgagedaysatthebranches.

• Determinedappropriateratelocks,issuanceofdisclosures,overageandunderagewaivers,andfeewaivers.

• Coveredthree(3)branchesandmeetallofthecustomermortgageneeds,inatimelymanner. SeniorMortgageLoanOfficer Feb2005–2016

MunicipalCreditUnion NewYork,NY

• MeetwiththeprospectiveclientstoprovideashortpresentationofthemortgageloanproductsthatMCU offered.

• InitiatedanddevelopedmarketingandpromotionalstrategiesofMCUtoenablethecompanytoprosper andtoreachnewheights.

• Managedthecreativecontentthatcoincideswiththepromotionalandspecialpackagestoattract mortgageloancustomers.

• Strategizedtheworkscheduletomeetthesalestargetssetforthbythiscompany.

• Presented,deployed,andcompletedmortgageclassestoRealEstatepartnerorganizationsresultingina 39%increaseinreferralstothecreditunion.

• Coordinatedwiththemortgageloanadministration,attorneyandclients.

• Analyzedthenewfederalguidelines,programsandchangesanddevelopedtheprocessforimplementing therequiredalterationsinthemortgageloanproductstotheMortgageProductDevelopmentDepartment.

• Trainednewlyhiredemployees.

• Workedhardtoaugmentmycustomerbasethroughmyowncontactsorthroughtheaffiliateagenciesof mycompany.

• Promotedoursubsidiaryproductsthatwehadtooffer.

• Heldanintegralroleinthedesigninganddevelopmentofthepromotionalstrategiesoftheexistingloan productsthatwehadauthorizationtooffer.

• Interviewedthepre-qualifiedandprospectiveclientsandpacifiedtheirdoubtsregardingthemortgage loansandrepaymentschedule.

• Analyzedthefinancialandeconomicscenariosandadvisedtheborrowers’orrelatedparties’aheadof timeonthedetailsoftheirloan.

EducationandAchievements

• QuotedinTheNewYorkTimeson10/06/2011&10/13/2011

EducationalProfile

• AASdegreeinBusinessAdministration,KaplanUniversity(2010) Languages

● FluentinEnglishandSpanish.

● AbilitytocomposeproficientlyinEnglishandSpanish.

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