MV Mariana Vigil

Upland, CA ***** 909-***-****

ad4dml@r.postjobfree.com

PROFESSIONAL

SUMMARY

Organized Mortgage Loan Officer with 11 years of experience in Closing loans. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations. Accomplished Loan Officer dependable in building customer base and exceeding business goals. Well-versed in loan products and customer engagement strategies. Pursues opportunities to build connections, increase bank revenue and cement loyalty. Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 15 years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures. SKILLS Financial Reports Analysis

Mortgages and Loans

Key Account Generation

Credit Check Knowledge

Sales Development

Mortgage Loan Origination

Loan Application Management

Application Tracking

Pre-Approval Process

Retail Mortgages

Knowledge of VA and FHA Loan

Process

Calculating many types of income

WORK HISTORY LICENSED MORTGAGE LOAN ORIGINATOR 03/2021 to CURRENT Guranteed Rate Rancho Cucamonga, CA

Explained different types of loans pertaining to client situations. Worked with underwriters to fix application problems and resolve issues. Reviewed loan files and updated to match current standards. Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.

Complete applications start to finish and structure best loan options for customer.

Calculate income and run DU/LP

Price loans and work with many borker loan products as well Fielded customer complaints and provided solutions. Monitored pipelines to track and log status of loans. LICENSED LOAN OFFICER ASSISTANT 01/2019 to 03/2021 Homebiridge Financial Rancho Cucamonga, CA

Documented borrower's information in loan processing system and resolved any discrepancies.

Supported loan processing by compiling applicant documentation such as credit reports, employment verifications and financial history paperwork. Communicated with customers daily to request information and complete paperwork.

Worked with Loan Officer to create application profile in system and review key information at various stages within process.

Assisted with timely loan closing and funding activities with efficient management of task checklists.

Assembled important paperwork and disclosures for borrower. Monitored key dates to obtain information by deadlines. Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps. Conferred with applicants and creditors to obtain information and resolve paperwork discrepancies.

Maintained referral pipeline by reaching out regularly to real estate agents, referral partners and past clients.

LICENSED LOAN OFFICER ASSISTANT 01/2012 to 01/2018 ProspectMortgage Rancho Cucamonga, CA

Documented borrower's information in loan processing system and resolved any discrepancies.

Supported loan processing by compiling applicant documentation such as credit reports, employment verifications and financial history paperwork. Communicated with customers daily to request information and complete paperwork.

Worked with Loan Officer to create application profile in system and review key information at various stages within process.

Assisted with timely loan closing and funding activities with efficient management of task checklists.

Assembled important paperwork and disclosures for borrower. Monitored key dates to obtain information by deadlines. Liaised with clients to guide through loan closing process and skillfully handle any concerns.

Scheduled meetings and appointments and maintained well-organized master calendar.

Conferred with applicants and creditors to obtain information and resolve paperwork discrepancies.

Maintained referral pipeline by reaching out regularly to real estate agents, referral partners and past clients.

LOAN PROCESSOR 05/2011 to 12/2011

CashCall Mortgage Anaheim, CA

Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.

Prepared documents for underwriting by verifying client income, credit reports and other information.

Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.

Processed loans within various departments to achieve timely, accurate and fair proceedings.

Provided quick turnaround times to maintain fast-past schedule. Set up and completed loan submission packages.

Reviewed financial statements and contacted institutions and customers to clarify details.

Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes. Handled any conditions sent from underwriting departments. Maintained long-term relationships with customers to provide best-in-class customer service.

Checked packages for appropriate documentation.

Maintained compliance with privacy and security requirements, as well as federal statutes covering [Type] loans.

Upheld complete confidentiality of all submitted information according to release guidelines.

Looked over and approved various types of loans.

EDUCATION No Degree Business 06/2003

Chaffey College, Rancho Cucamonga, CA

High School Diploma 06/2001

Upland High School, Upland, CA

LANGUAGES Spanish

Native or Bilingual

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