Office
José Adrián Peña
Administrador
Cartago,Cartago
Summary
Talented Mortgage Banker bringing more than 15 years of experience in all type of mortgage field. Skilled at working with borrowers, realtors and title companies to facilitate smooth closing processes. Expert in collaboration and multitasking. History of producing consistent referrals and maintaining high closing rates. Successful at handling both new loans and refinances. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations. Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
10
10
years of professional experience
1
1
Certification
2
2
Languages
Work History
Mortgage Banker
Scotiabank
- Assisted clients in understanding mortgage process, addressing concerns, and making informed decisions.
- Negotiated competitive terms with lenders on behalf of clients, securing favorable interest rates and loan structures.
- Maintained high level of product knowledge, staying current with industry trends and regulations.
- Proactively identified opportunities for cross-selling additional products or services to existing clients.
- Delivered prompt communication with all parties involved in transactions, fostering strong professional relationships.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Assessed loan portfolios for compliance with underwriting policies.
Mortgage Banker
Bac San José
01.2022 - 12.2023
- Assisted clients in understanding the mortgage process, addressing concerns, and making informed decisions.
- Negotiated competitive terms with lenders on behalf of clients, securing favorable interest rates and loan structures.
- Maintained a high level of product knowledge, staying current with industry trends and regulations.
- Proactively identified opportunities for cross-selling additional products or services to existing clients.
- Delivered prompt communication with all parties involved in transactions, fostering strong professional relationships.
- Connected borrowers to appropriate resources for resolving credit issues when necessary, improving chances for future approval success.
- Coordinated closely with title companies to ensure smooth closings and proper document recording.
- Exceeded sales goals consistently by developing strong relationships with clients and realtors.
- Managed risk exposure through careful adherence to established guidelines during loan origination process.
- Streamlined application processes for faster approvals, ensuring timely closings on mortgage loans.
- Worked with underwriters to fix application problems and resolve issues.
- Evaluated client financial positions and identified most appropriate banking products.
- Located and pre-qualified customers for mortgages.
Mortgage Banker
Davivienda
07.2017 - 01.2022
- Assisted clients in understanding the mortgage process, addressing concerns, and making informed decisions.
- Negotiated competitive terms with lenders on behalf of clients, securing favorable interest rates and loan structures.
- Maintained a high level of product knowledge, staying current with industry trends and regulations.
- Connected borrowers to appropriate resources for resolving credit issues when necessary, improving chances for future approval success.
- Collaborated with underwriters to resolve complex loan scenarios, resulting in successful funding of loans.
- Continuously monitored market conditions to identify potential changes impacting borrower eligibility or lending policies.
- Exceeded sales goals consistently by developing strong relationships with clients and realtors.
Bank Executive
Banco General
08.2013 - 02.2015
- Increased sales revenue by building strong rapport with customers and recommending appropriate products based on their needs.
- Assisted in the development and implementation of marketing initiatives to promote store events and special promotions.
- Achieved monthly sales targets consistently by implementing effective sales strategies and maintaining a high level of product knowledge.
- Developed new client relationships by actively engaging with potential customers and highlighting the benefits of our product offerings.
- Collaborated with team members to improve overall store performance, sharing best practices, and offering support as needed.
- Boosted customer satisfaction levels through exceptional service, addressing concerns promptly, and providing a welcoming store environment.
Education
No Degree - Administration
U Latina Costa Rica
San José 05.2001 -
High School Diploma -
Liceo Exp José Figueres Ferrer
Cartago 05.2001 -
Skills
Qualifying Customers
Originating home loans
Teller Support
Closing procedures
Goal Planning
Escrow management
Relationship Management
Real estate knowledge
Credit analysis
Purchasing Processes
Portfolio Management
Borrower interviewing
Reviewing documents
Document Preparation
Loan Processing
Debt-to-Income Analysis
Reverse Mortgages
Home Equity Loans
Construction Loans
Conventional Mortgages
Refinancing Expertise
Payment Collection
Negotiation Tactics
Sales Forecasting
Relationship selling
Sales Development
Residential mortgage lending regulations
Licensed Mortgage Loan Originator
Property Evaluation
Data Entry
Customer Service
Microsoft Office
Problem-Solving
Affiliations
- CCCBR Afilliated id 3152
Software
G Suit
Certification
Broker
Timeline
Broker
11-2022
Mortgage Banker
Bac San José
01.2022 - 12.2023
Mortgage Banker
Davivienda
07.2017 - 01.2022
Bank Executive
Banco General
08.2013 - 02.2015
No Degree - Administration
U Latina Costa Rica
05.2001 -
High School Diploma -
Liceo Exp José Figueres Ferrer
05.2001 -
Mortgage Banker
Scotiabank
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