Lilia Hale – Resume Cover Letter

937-***-****

adrs6b@r.postjobfree.com

Regarding: Employment Opportunity

I have 25 years in client services background focused on credit financial services 15 yrs in Real Estate purchase pre-approvals Loan Structuring and Finance consultation for loan pre approval for purchase and refinance background experience with full knowledge credit evaluation assisting buyers to meet their buying needs inter-react with purchase agents to interview and pre-qualify their prospective buyer clients- Pre Approved based on Credit Income and Assets to meet qualifying loan product get desktop approve eligible. Submit credit loan package to underwriter for approval order appraisal title search open escrow. Review title for all open liens Review Underwriting Guidelines in Conventional plus Specialty Loans and Government FHA & VA My specialty is client services focused on the best interest of the client buyer/borrower to be beneficial to the clients needs. I believe I always have service the buyer/borrower clients one step further by making sure they get a A credit approval or council them to what they need to do to get the lender approval

Meeting the clients needs has always been my first priority helping people in getting their financial needs met has always been my focus. I value the prospective client as much as the current client because I know that without the client we have no business

I hope you can see and use the skills and experiences I have acquired over the years.

References are :Lucy Guzman- Westgate Resort Timeshare RE Agent (702) 321-5617MariaOchoa- Realtor 702-***-****-Karl VanNote 619-***-**** Resume for Lilia Hale

937-***-****

adrs6b@r.postjobfree.com

Objective: Salary + Commission

Second Language Fluent Spanish

Area of Expertise Mortgage Loan Officer /Client Services & Finance Skills & Experience Background:

25 yrs in Client Service and Sales / 15 Years Real Estate Lending Capacity to Assisting Customer/Clients daily at a high standard level Business Development/ Finance/Contract Negotiations Structure Loan to meet DTI & LVT to meet credit,down payment & income DTI Qualifying Credit Applications, Credit Counseling

Financial & Investment Consulting / Loan Origination Credit and Market Analysis

Client / Customer Service as a High Priority

New Accounts / Account Retention/ Account Management Meet Investor Guidelines to Terms and Conditions

Sales and Marketing Consumer Products & Services

Meet all Investor & Funding Guidelines

Sales Reports / Pipeline Management

Market Research-Loan Pipeline Management

Goal & Attention to Detail

Code of Ethics and Contracts/Risk Management

Multitask Management

Title Liens Review and Escrow

Evaluate credit and Appraisal comps

Education & Certifications

NMLS 1273322

Certifications to Real Estate Law Code of Ethics Trust Funds Cuyamaca College / Southwestern College- Finance

Finance, Code of Ethic, Fair Housing,Mortgage Products Trust Funds Agency Relationship, Title Transfers, Risk Management Risk Management.Code of Ethics Certified

Software Calyx Point, Salesforce, Desktop DU,LP & Point of Sale-Microsoft Office, Factual Data Credit Reporting, Windows XP, Word

Employment History

2021 myCUmortgage-Wright Pat Credit Union -Mortgage Satisfactions 2020 -2021 NEXA Mortgage - Loan Officer

2019 Took time off to take care of my mothers news 2018 Live Well Financial

Position Loan Officer

2017 JFK Financial- Western Funding

Position Loan Officer

2017 Security National Mortgage

Position Loan Officer

2016 Carrington Mortgage

Position Loan Officer

2015 All Western Mortgage - Henderson NV

Position Loan Spanish Interview Loan officer assistant 2014 Vacation Village &Hilton Grand Vacations- Sales Las Vegas NV 2012-2013 Sears- Marketing Home Improvement- San Diego Ca Position Home Improvements Sales Support

09/08 to 05/2010 AT&T San Diego Sales Division

Position Account Executive - Sales

New accounts-Business Development

Sales and customer account retentions

08/07 to 08/08 Countrywide Home Loans / Victorville Ca. Position Loan Officer Consultant

Pay / Salary

01/07 to 07/07 Took time out to re-evaluate market down-turn 01/02 to 01/07 Pacific Mortgage Loans in San Diego Position Loan/Mortgage Consultant / Loan Officer /Loan Originator 12/2000 to 01/02 BayWest Mortgage Corporation in San diego Position Loan Officer / Mortgage Consultant

08/1998 to 12/2000 GMAC Mortgage - San Diego Ca

Position Loan Officer-Mortgage Originator / Financial Consultant Pay/ Sal.+Comm Interview new and loan counseling to new applicants, evaluate credit pre-qualify new purchase loans take 1003 loan application request all income and asset documentation send out preliminary loan Pre-approvals for FHA,VA and Conventional loans- upload to DU findings meet underwriting conditions

The Sutherland Group 1996-1998 Account Executive : Major business accounts-Sales B2B

Resort Condo Marketing 1990-1995 Account Executive : Sales & Marketing to Timeshare owners

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