Sales Representative Loan Officer
Resume:
Elena Barr
San Antonio, TX *****
***********@*****.***
Professional Summary
Authorized to work in the US for any employer
Work Experience
D2D Sales Representative
GFiber-San Antonio, TX
February 2025 to Present
• Built strong relationships with customers through excellent communication and interpersonal skills, resulting in a XX% customer retention rate
• Achieved consistently high sales targets by effectively prospecting and closing deals during door-to- door sales campaigns
Mortgage Loan Officer
NEXA Mortgage-San Antonio, TX
January 2025 to Present
Guide to Originating Loans for Various Types of Mortgages Introduction
Define the concept of mortgage origination
Outline the importance of understanding different types of mortgages Types of Mortgages
Fixed-Rate Mortgages
Definition and characteristics
Suitable borrowers
Advantages and disadvantages
Adjustable-Rate Mortgages (ARMs)
Definition and characteristics
Suitable borrowers
Advantages and disadvantages
Interest-Only Mortgages
Definition and characteristics
Suitable borrowers
Advantages and disadvantages
FHA Loans
Definition and government backing
Eligibility criteria
Advantages and disadvantages
Detailed Steps for Processing FHA Loans
Pre-Qualification
Assess the borrower's financial situation and credit history. Ensure the borrower meets the FHA's credit score requirements (usually a minimum of 580 for maximum financing).
Loan Application Submission
Collect necessary personal information and financial documents from the borrower. Enter the borrower's information into the loan origination system. FHA Case Number Assignment
Obtain an FHA case number for the loan through the FHA Connection system. Property Appraisal
Order an FHA-approved appraisal to determine the property's value and ensure it meets FHA standards. Review the appraisal report for any required repairs or concerns. Underwriting Process
Submit the loan application and supporting documents to the underwriter. The underwriter assesses the borrower's eligibility, including income, assets, and debts. Address any conditions or requirements set by the underwriter. Mortgage Insurance Premium (MIP) Calculations
Calculate the upfront and annual mortgage insurance premiums required by the FHA. Ensure the borrower is aware of and agrees to these costs. Loan Approval and Closing Process
Once underwriting conditions are met, issue the loan approval. Coordinate with the borrower, real estate agent, and title company to schedule the closing. Ensure all closing documents are prepared and accurate. Post-Closing Activities
Send the closed loan file to the lender for review and funding. Ensure the loan is properly recorded and all FHA requirements are met. VA Loans
Definition and eligibility for veterans
Benefits and limitations
Jumbo Loans
Definition and criteria for high-value loans
Differences from conforming loans
Risks and rewards
Reverse Mortgages
Definition and target demographic
Application process and considerations
Loan Origination Process
Step-by-step guide on originating loans
Documentation and verification needs
Key considerations in loan approval
Tools and Resources
Software and tools for efficient loan origination
Importance of staying updated with mortgage industry trends Regulatory and Compliance Considerations
Overview of federal and state regulations
Importance of compliance in mortgage origination
Steps to ensure compliance
Conclusion
Recap of the importance of understanding different mortgage types Encouragement for ongoing education and adaptation in the mortgage industry References
List of resources and further reading on mortgage types and loan origination. Loan Officer
PorchPass-San Antonio, TX
March 2024 to August 2024
Take loan applications and pull credit to determine if they are pre approved . Once pre approved send out conditions needed to continue process. Once conditions are sent in we underwrite and clear income and other required documents. Obtain closing documents and close borrowers via Docusign or in person . Small Business Sales Representative
Spectrum-San Antonio, TX
August 2023 to March 2024
Offer and educate customers on our products for small business Loan Officer Assistant
Union Home Mortgage-San Antonio, TX
May 2021 to April 2022
Complete all order outs (Appraisals, Title, Flood, Verification of Employment, Verification of Deposits, and Hazard Insurance). Help obtain further documents needed from the borrower to submit a complete package to the Underwriter. Assist the borrower with closing information and wiring information. Obtain report of current pipeline and update daily. Check reports daily for aged and Ecoa files.
Attend events and sales meetings.
Loan Officer Assistant
Envoy Mortgage-San Antonio, TX
November 2018 to May 2021
Complete all order outs (Appraisals, Title, Flood, Verification of Employment, Verification of Deposits, and Hazard Insurance). Help obtain further documents needed from the borrower to submit a complete package to the Underwriter. Assist the borrower with closing information and wiring information. Obtain report of current pipeline and update daily. Check reports daily for aged and Ecoa files.
Attend events and sales meetings.
Loan Coordinator
Diamond Residential Mortgage Corporation-San Antonio, TX October 2015 to November 2018
Assist with gathering all documents, order title, appraisal and Avm and any other order outs needed to process a loan. Gather documents from customers to start loan process. Reach out to customers to update process.
Data Entry
Research Mediation
November 2014 to August 2015
handled Survey complaints for Mortgage, Home Equity, Mover's Advantage If there was a complaint, we logged it correctly so they bank could reach out to the customer and follow procedure
Hulda Specialist
-reviewed mortgage and home equity documents to make sure there was no errors and if there was, I would send to the proper department.
Home Preservation Specialist
Wells Fargo
October 2012 to March 2014
Answer inbound inquiries from borrowers regarding status of the loss mitigation, loan modification, short sale and foreclosure process.
- Interview borrower to understand borrower's specific situation; identify and request the appropriate documents required for loan modification review.
- Access information on multiple systems to inform borrowers of loan terms, important dates and deadlines.
- Communicate and coordinate with multiple Servicing departments (both internal and external to WF) informing the borrower of current status, options, next steps; remain as the single point of contact to borrower throughout the loss mitigation, loan modification, and foreclosure process.
- 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.
- Notify and inform borrowers of decisions as they are made.
- Notify and inform borrowers of changes to established dates/timelines throughout process.
- Work with borrower to set up work out payment plans.
- Work with borrower to set up and follow up on good faith payments.
- Work with borrower to get loan modifications signed and closed.
- Work with borrower to obtain broker information for short sale process.
- Provide information to borrowers on the escalation/complaint procedures/process within WF.
- Ensure borrowers understand their obligations throughout each step of process, including timelines and coordination touch points with other Servicing partners.
- Effectively Work in a team environment to achieve team/volume goals and provide superior customer service.
Loan Adjustor Specialist
Wells Fargo-San Antonio, TX
January 2011 to October 2012
78251)
• Manage a pipeline of loans and being the primary point of contact for the customer throughout the Loss Mitigation/Home Preservation process.
• Responsible for making credit recommendations to underwriting, and for communication credit decisions to the borrowers.
• Maintain applicable compliance conformity as it relates to data integrity and risk management.
• Handle confidential material in a professional highly ethical manner.
• Gather required documentation and information to ensure completeness and accuracy to prepare and submit loan package for underwriter review.
• Communicate credit decisions to borrower.
• Effectively work in a team environment to achieve team/volume goals and provide superior customer service.
• Assist customers, via telephone, by answering questions and resolving complex problems.
• Receives and or places telephone calls which are non-routine and may require adaptation of a response or extensive research.
• Responsible for analyzing root causes and trends. Performs related duties as assigned or requested
• Research and resolve issues, research files for information. Handle modification calls, take interview from customers
• Deliver quality customer service by researching and responding to all internal and external client inquiries quickly, efficiently and professionally
Risk Containment Associate
JPMorgan Chase-San Antonio, TX
March 2008 to June 2009
Customer Service/Problem Solving
• Statement Reconciliation
• Profile by asking personal and business financial questions, assessing customer's needs and recommending appropriate products and service solutions.
• Effectively engage customer in collections process.
• Responsible for maintaining positive customer relations while collecting on delinquent balances and negotiating solutions that are mutually beneficial to the account holder and company.
• Pull credit reports, review financial statements and w-2 for loan modifications.
• Review Hardship letters to determine possible programs that will assist customer. Underwriter Assistant
Peyton Resource (Agency)-San Antonio, TX
April 2007 to June 2007
Usaa
• Assisted underwriter with collecting all the information needed to start a life insurance policy (medical records, financial statements, etc).
• Customer Service
• Data entry
• Written Correspondence
Collector
Chase Bank Card Services-San Antonio, TX
May 2002 to April 2007
Customer Service/Problem Solving
• Collection on past due credit card 60-210 days past due • Loan Modification thru RE-AGING Programs
• Skip Tracing
• Prevent Charge off
Education
Some college -UTSA
Skills
• Good ability to understand and interpret analytical data. Customer Relations background
• Fair Housing regulations
• Loan Origination
• Salesforce
• Marketing
• Credit Analysis
• Sales
• Strong customer service and focus with a background in Default/Foreclosure.
• Good communication skills. Ability to work independently within team framework.
• Cold calling
• Banking
• Negotiation
• Loan Officer Experience
• Risk management
• Interviewing
• Microsoft Office
• Credit analysis
• Account reconciliation
• Customer service
• Documentation review
• Communication skills
• Computer skills
• Research
• Strong research skills and an ability to resolve majority of issues without assistance. Basic to good working knowledge of software applications in a PC environment. Knowledge of LSP/MSP/CPI, GEM, LIV, EZ Pay, Loss Mitigation.
• Risk Manageme
• Fair Housing Regulations
• Organizational Skills
Certifications and Licenses
MLO License
CPI Certification
Driver's License
September 2020 to September 2029
Contact this candidate