Loan Officer Mortgage

Betty A Chavez

NMLS #******

*****.**********@*****.***

404-***-**** (cell)

Windermere, FL

Employment History:

Sonata Windermere

Windermere, FL

August 2022 to present

Part time Concierge: Answer incoming calls and transfer to appropriate department or staff. Greet guests with a friendly smile and inquire as to their visit, are they visiting a family member, friend or business, provide information and direct visitor to appropriate area. Be courteous and approachable to residents always greet the resident with a warm smile, listen to their needs and assist with their problem or address with the appropriate staff. Place work orders as needs arise for the residents or areas in the community as you see are needed. Keep the lobby area organized and neat. Complete daily tasks in a reasonable time frame, assist with preparing the daily meal menus. Be conscious of surrounding areas to maintain a clean and inviting atmosphere. Perform other duties as assigned. Be a team player.

Member First Mortgage

Corporate office/Grand Rapids, MI

Alpharetta, GA/remote

October 2019 to February 2022

Sr. Mortgage Consultant: Licensed LO for the state of, GA, IN, NJ, and MI assigned LO for 17 credit unions within these states. Extensive knowledge in origination of Conventional, FHA, VA, USDA, Jumbo products, Self Employed, NQM, and QM. Determine loan product and negotiate interest rate lock. Extensive knowledge of all aspects in origination, loan products, and mortgage regulations. Continuous contact with borrower(s) throughout the process to closing. Team player with internal and external associates involved with each transaction to provide a seamless transaction to closing. Monthly average closings $1M to $3M.

Inspire Home Loans

Norcross, GA

March 2019 to Sept 2019

Mortgage Loan Officer: Licensed Loan Officer for state of GA. Preferred lender for Century Communities. My responsibilities include Prequalify potential new homebuyers, duties are same as my previous employment with Eagle Home Mortgage.

Eagle Home Mortgage

Roswell, GA

June 2018 to February 2019

Mortgage Loan Officer: Licensed Loan Officer for state of GA. Eagle Home Mortgage affiliated preferred lender for Lennar Homes. My duties include Prequalify EHM prospects within 24 hours of receipt of application provide options and educate the customer of various mortgage loan products based on their individual financial circumstance and provide Pre-approval Certificate to customer and New Home Consultant to solidify the purchase contract. Originate Fannie, FreddieMac, VA, FHA, HELOC, and Jumbo products. Maintain a solid relationship with the NHC’s and ASM’s for six assigned communities and unassigned communities to gain a solid trust that I will service their customers with exceptional service and be available to service their community. Available for on call rotation basis with other Loan Officers during weekend business and holidays. Visit assigned communities weekly in order to maintain the relationship with the NHC as well as checking in to provide marketing material. Participate in grand openings for release of new communities. Attend weekly backlog meetings with the division Lennar staff to provide status on loans closing within 60 days and sometimes the complete backlog would be reviewed. Submit applications to underwriting within 5 days of receipt of purchase contract for receipt of Conditional Approval. Conscious effort to maintain required milestones, H2 surveys, submit applications to underwriting within 9 days of receipt of purchase contract and capture rate. Negotiate rates with borrowers within 30 days of closing to lock rate and term. Team player with coworkers in order to provide a solid stress free process and loan approval for the customer as well as maintaining an open communication and status report to the customer during the process. Many other duties as deemed necessary in order to provide exceptional service to our Lennar partner and customers.

Chase Bank

Holly Springs Branch

Barrett Creek Branch

November 2017 to June 2018

Sr. Home Lending Advisor: Originate Fannie, Freddie, FHA, VA, and HELOC’s, complete a solid loan application to obtain underwriter approval with very little conditions or none. Assist my team in obtaining required documentation to submit or resubmit the loan for final loan approval. Understanding of Pricing Policy. Contact current Chase customers for refinance options, contact customer leads provided by Chase Bankers, Zillow leads, and Contact Central leads. Attend open houses on the weekend to generate Realtor business. Provide marketing material to Realtors. Attend weekly huddles at assigned branches with Branch Managers and Bankers to discuss mortgage promotions and loan programs. Complete required training as assigned for continued education banking regulations and mortgage loan programs.

Magnolia Bank

Roswell, GA

July 2017 to October 2017

Sr. Loan Consultant: Originate Conventional, FHA, VA, USDA, and Jumbo loans per guidelines. Originate purchase transactions from realtor referrals, attorney referrals, Zillow leads and other business affiliates. Total closings year to date two purchase transactions, two refinances, and four scheduled for October.

CU Members Mortgage

February 2008 to June 2017

Emory Alliance Credit Union

Mortgage Loan Officer: CU Members Mortgage is the affiliated mortgage company for Emory ACU. Responsible for selling mortgage loan products and services to members of Emory ACU determine which loan product fits the need of the homebuyer based on their financial needs. Disclose the loan to meet RESPA compliance; review loan disclosures with homebuyer over the phone and or with a face to face meeting. Maintain updated knowledge of all loan products and guidelines for Fannie Mae/Freddie Mac as well as Condo requirements; VA and FHA; maintain an active pipeline of $4M and a pre-qual pipeline of $6M. Monthly closings average $500K to $2M. Provide Homebuyer Training Seminars for employees of Emory Healthcare and Emory University as well as Real Estate Agents. Provide consistent follow up and excellent customer service to all parties involved; homebuyers; realtors; attorney personnel; and all team players. Gather all required documentation for a complete credit file; review documentation and prepare credit file for pre-underwrite; which includes ordering and reviewing fraud guard and automated underwriting. Analyze Personal and Business Tax Returns to determine income for Self Employed borrowers and or commissioned. Maintain a professional relationship with all team players involved such as processor; underwriter; attorney office; and closer. Follow up and gather documentation to satisfy underwriter conditions for resubmission. Review; approve; and provide the Closing Disclosure to the homebuyer in a timely manner and follow up on the acknowledgement to stay on track for the close date. Attend closings for purchase transactions. Continue to maintain my average customer service CSAT at 4.75% and above, 5.0% being the highest.

Sandia Area Federal Credit Union

Mortgage Loan Officer: CU Members Mortgage is the affiliated mortgage company for Sandia Area Federal Credit Union as well as over 1,000 credit unions nationwide; lending in 50 states; my core responsibilities include managing the origination the five SAFCU branches in the Albuquerque area and one location in Santa Fe, origination is not limited to SAFCU only. I continue to market retail business, Agents and outside customers. I have originated loans outside of NM such as Colorado; Iowa; Georgia;

Hawaii; etc. My responsibilities require managing all areas of origination to final closing; this includes preparing the credit file for pre-underwrite. Maintain all areas of responsibilities for a solid work schedule to accommodate walk in members; internet applications; scheduled office visits; and phone interviews. My active pipeline averages between 5 million to 7 million and my pre-qualification pipeline averages between 10 million to 13 million. Monthly closings and funding’s average between $1M to $2M and as high $6M. It is my goal to provide exceptional customer service for all customers, external and internal (team members). Prepare and facilitate homebuyer training seminars and realtor seminars on a quarterly basis as well as training classes for employees of Sandia Area Federal Credit Union to guide and help them to understand the mortgage business. Accomplishments include achieving President’s Club for production goals in 2009, 2012, 2013, and 2015. Maintain excellent customer service scores for an average of 4.75%, 5% being excellent in all areas. Continuing education regarding SAFE Act; RESPA; Fair Lending; upcoming TRID; and many mortgage guidelines changes as they arise.

JP Morgan Chase Bank

May 2007 to January 2008

Mortgage Loan Officer: Originate Conventional; FHA; and VA purchase and refinance transactions. Average closings per month ranged from $1M to $3M. Required to be a self-starter and manage my production remotely; attend conference calls remotely; and communicate with Operations Staff; Underwriting Staff; and Closing Department remotely; JP Morgan Chase set me up remotely to work from home as their only Mortgage Loan Originator to capture market share in NM. Preferred Lender for Jubilee Community in Los Lunas Valencia County geared towards an adult community. Traveled too Corporate for quarterly meetings and training.

Home123 Corporation

December 2006 to March 2007

Mortgage Loan Officer: Originate Conventional; FHA and VA purchase and refinance transactions. Average closings per month ranged from $1M to $2M.

Legacy Mortgage

September 2005 to December 2006

Mortgage Loan Officer: Originate Conventional; FHA and VA purchase and refinance transactions. Average closings per month ranged from $1M to $2M. Prepare and facilitate mortgage training for Real Estate Agents at Coldwell Banker Legacy.

KB Home Mortgage

July 2004 to August 2005

Branch Manager: Managed the mortgage company for KB Home Builders; attended daily sales meetings with builder managers; sales agents; and mortgage staff to discuss and provide status on the active pipeline; new pre-approvals; scheduled closings and upcoming closings. There were 20 active sales agents and 10 communities in which KB Home Mortgage managed with a pipeline of over 400 hundred active loans on a consistent basis. Responsibilities also included managing and assisting four Mortgage Loan Officers on new policy changes and assisting with the pipeline. Review the daily pipeline and assign new incoming applications to the Loan Officer assigned to the Subdivision. Set personal and company daily goals; weekly goals; monthly goals; and quarterly goals for KB Home Mortgage to coincide with KB Home Builders production goals. Traveled to Regional Office for Management meetings and continued training.

Countrywide Home Loans

July 2003 to June 2004

Offsite Manager/Sr. Mortgage Loan Officer: Responsibilities included managing the operation of offsite branches one in Los Lunas and another in Clovis; coached; trained; and motivated off site Loan Officers to set and accomplish monthly production goals individually as well as branch goals. Originate Conventional; FHA; and VA loans; personal monthly average closings $1M to $3M; offsite branch average closings $1M to $3M. Accomplishments included qualifying for the President’s Club.

Bank 1st

August 2000 to June 2003

Office Manager/Sr. Mortgage Loan Officer: Responsibilities included managing the operations departments; Processing; Closing; and Shipping with the knowledge and expertise of each function to perform each task as needed. Monitored the appraiser approval list and appraiser renewals. Managed the accounting and balancing of upfront fees such as credit report fees and appraisal fees. Responsibilities also included monitoring; approving and managing Investor contracts for sale of loans on secondary market; such as SunTrust; Aurora; WF; and several others. Managed and audited closed files to ensure all were in compliance; prepared HMDA reports. Originate Conventional; FHA; and VA loans; my personal monthly production goals included closings averaging from $1M to $3M; active pipeline averaged $5M to $7M. Prepared and reviewed performance reviews for operations staff; responsible for interviewing and hiring of operations staff.

First Security Bank

June 1997 to July 2000

Mortgage Loan Officer: Originate Conventional; FHA; Rural Housing/GRH and VA purchase and refinance transactions. First Security Bank was the preferred lender for Sivage Thomas Home Builders I was one of the two Loan Originators managing the account, I managed four communities in Los Lunas Valencia County. Attended weekly builder meetings at the builder main office to provide status of production to coincide with the builder’s production as well as to provide mortgage training to on Site Sales Agents. On site Loan Officer at builder communities on weekends. Extensive knowledge in NMMFA loan programs and requirements. Managed a pipeline of $4M to $6M in builder business and retail business consistently; monthly closings averaged $1M to $3M. Qualified for the President’s Club three years in a row for obtaining production goals.

The Bank of New Mexico

June 1991 to May 1997

Processing Manager/Senior Loan Processor: Managed the Processing Department monitoring each Processor’s pipeline to help organize and prioritize loans to meet closing dates. Conducted motivational weekly meetings for the Processing Department to set monthly goals; conducted mortgage guideline training. Worked closing with the other team players such as Loan Officer’s; Closing Department and Shipping Department to make sure all files were complete and ready for shipping and sale on the secondary market. Prepared and facilitated homebuyer seminars for potential new homebuyers. Managed my personal pipeline of 60 to 70 active loans averaging 30 to 40 closings per month; processed loans for two high producing Loan Officers.

Education:

TVI Accounting; American Institute of Banking; and Continuing Mortgage Education to maintain NMLS (Safe Act).

Skills:

Various Mortgage Software; Encompass; Empower; One Time Close, MAX and MPX (Chase LOS) Microsoft Word; Excel; and Outlook, Blue Sage.

Contact this candidate