Realtor/Loan Officer at Future Mortgage and Realestate Inc & Premier Mortgage Capital Inc (2017-11 – 2024-03)
Future Mortgage(Rancho): March 2024 to Current | Premiere Mortgage(Riverside): Nov. 2017-Feb. 2024
- Analyzed loan applications by assessing income, assets, and liabilities to determine creditworthiness.
- Counseled clients by educating them on different loan options and helped them choose the best fit for their needs
- Built relationships by establishing and maintaining relationships with clients, real estate agents, and other stakeholders.
- Managed loan process by guiding clients through the loan process.
- Ensured compliance with lending regulations and guidelines
- Generated leads and referrals to increase loan volume.
Loan Originator at Carrington Mortgage & American Financial Network (2014-03 – 2017-11)
Carrington Mortgage(Rancho):March-December 2014 | American Financial(Rancho):Oct. 2016 -Nov. 2017
- Collected, verified, and analyzed financial information such as credit history, income, and assets to determine a borrower's ability to repay the loan.
- Reviewed loan applications, assessed risk, and ensured compliance with lending regulations.
- Gathered and verified required documentation for loan applications, ensured accuracy and completeness.
Project Manager at Capitol Real Estate Group (2011-07 – 2013-08)
- Oversaw all phases of real estate development projects
- Managed project budgets, schedules, and resources
- Ensured compliance with zoning laws and regulations
- Prepared and presented project reports to stakeholders
- Identified and mitigated project risks
- Negotiated contracts with vendors and service providers
- Monitored construction progress and quality standards
Real Estate Collections, Loss Mitigation at Spherion/ Wescom Credit Union (2008-09 – 2010-04)
- Analyzed borrower financial information to determine options for resolving delinquent accounts
- Rescheduled loan payments, modified loan terms, or deferred payments to create realistic repayment plans
- Negotiated settlements with borrowers for other options, such as a short sale or deed in lieu of foreclosure
- Collaborated with internal and external teams, such as legal and loan servicing, to ensure compliance with regulatory guidelines during the loss mitigation process
- Created reports to track loss mitigation progress and effectiveness
- Discussed loan modification assistance and counseled members on other alternative solutions to prevent foreclosure through short sale or deed in lieu to avoid foreclosure.
- Sent short sale packets to members and realtors and obtained them back with proper documents to submit to Short Sale specialist.
- Counseled members of foreclosures prevention, Government phone numbers and referred members to debt management companies to ensure all possible alternatives had been researched to prevent further delinquency.
