Erica Quintero
Litchfield Park
Summary
Highly motivated Senior Mortgage Loan Advisor, looking for a great company where I can grow and utilize my extensive knowledge in the Lending industry.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Mortgage Sales Manager
AmeriSave Mortgage Corporation
Phoenix
01.2022 - Current
- Maintaining top producer status for region with 34 plus loan locks per month currently top sales loan officer
- Funding over 3 million per month
- Taking inbound leads / maintaining high conversion scores
- Educating buyers from start to finish on home purchase process / refinance
- Open communication with team members instructing processing department on loan structure etc
- Communication daily with real estate agents and clients setting proper expectations
- Keeping up to par on compliance changes / education
- Reviewing pipeline daily - ensuring applications are moving forward and ensuring complete application while reviewing income and assets for quicker loan process
- Communicating daily with management on pipeline activity
- Keeping up to par with fha va Jumbo conventional loan products - or company overlays
- Reviewing appraisals high volume cash out refinance loans
- Providing training assets to team members needing assistance with loan conditions or restructuring of loan
- Maintaining knowledge on daily market changes / conditions
- Building personal relationships with local realtors and clients as well
- Analyzed market trends to inform strategic sales initiatives and approaches.
- Collaborated with underwriting teams to streamline loan approval processes.
- Implemented performance metrics to track team effectiveness and productivity.
- Fostered relationships with real estate agents to expand referral network.
- Conducted regular meetings to align team goals and share best practices.
- Utilized CRM software to manage client interactions and maintain records efficiently.
- Collaborated with operations teams to ensure timely processing of loans and compliance with regulations.
- Coordinated with marketing team to develop campaigns that increased brand awareness in target markets.
- Built strong partnerships with external vendors for providing additional services related to mortgages.
- Analyzed market trends and developed strategies to optimize product offerings.
- Assisted upper management in developing long-term goals and objectives for the Mortgage Sales Department.
- Maintained up-to-date knowledge of federal, state, and local laws governing mortgage origination.
- Provided personalized guidance to customers throughout the entire loan process.
- Managed a team of Loan Officers responsible for originating residential mortgage loans.
- Resolved customer complaints regarding sales and service.
- Coached, developed and motivated team to achieve revenue goals.
- Enhanced sales volume through skilled support to both new and inactive customers.
- Led sales planning, development and account management to grow existing accounts and establish new sales accounts.
- Supported sales team members to drive growth and development.
- Directed and coordinated products, services and sales activities.
- Oversaw regional and local sales managers and staff.
- Performed regular review of current policies and procedures related to mortgage sales.
- Developed and implemented new strategies to increase mortgage sales.
- Facilitated training sessions for staff members on best practices for mortgage sales processes.
Senior Loan Officer
New American Funding
Tustin
04.2021 - 12.2021
- Funded over 45 loans in 6 months
- 75 percent lead conversion monthly
- Top originated loans monthly
- Can solve problems in high paced stressful environment daily
- Maintained high level of customer service skills
- Maintained high production numbers monthly
- Helped team members resolve issues
- Demonstrated vast knowledge in loan programs
Senior Mortgage Loan Officer
Wallick & Volk Mortgage
Phoenix
05.2018 - 08.2019
- Originated Mortgage loan applications from start to finish
- Analyzed credit, income and buyers ability to repay
- Priced loans, interest rates
- Educated buyers on loan process
- Packages loans for submission
- Maintained a high volume pipeline
- Maintained and established referral partner relationships
- Excellence in customer service and customer satisfaction
Senior Loan Officer
Union Home Mortgage
Phoenix
10.2017 - 04.2018
- Originated 5-8 mortgage loans per month, utilizing Government loan products Fha, VA, Fannie Mae And Freddie Mac
- Trained new employees on Encompass Loan Origination System
- Trained highly on industry changes and compliance guidelines
- Focused on excellence in customer satisfaction, communication to both consumers and referral partners
Senior Mortgage Consultant
Nova Home Loans
Phoenix
12.2015 - 09.2017
- Originated 5-10 loans per month
- Excelled in customer service and customer satisfaction
- Maintained referral partner relationships
- Analyzed pipeline for production goals
- Trained closely with management to implement high producing sales strategies
- Structured new loan files for underwriting submission
Senior Loan Originator
WJ Bradley Mortgage Capital, LLC
Peoria
01.2010 - 02.2015
- Originated residential mortgage loans from start to finish
- Maintained a sales pipeline of 8 loans funding per month
- Worked closely with brand management to implement new strategies and marketing techniques.
- Established referral producing partner relationships
- Focused on industry changes with relation to fee disclosures, compliance and regulations.
Mortgage Loan Officer
Wells Fargo Home Mortgage
Phoenix
01.2009 - 02.2010
- Managed home loan services for 4 high volume Wells Fargo branches
- Kept a purchase pipeline of 2 million plus per month
- Worked with leaders in extensive training, file set up, organization and loan file submission.
- Reported weekly sales goals and numbers to team management
- Maintained excellence in customer service and customer satisfaction
Branch Manager
American Mortgage Specialist
Mesa
01.2005 - 01.2009
- Management a team of 5 loan officers
- Trained new employees in sales, loch systems and compliance
- Hired and terminated employees
- Handled payroll for branch employees
- Worked closing with management
- Maintained a profitable business ledger
- Focused on excellence in communication and providing customer service for both consumers and referral partners
Education
GED - General Studies
Arizona School of Business Technology
Phoenix, AZSkills
- Credit Analysis
- Banking
- Fair Housing Regulations
- Loan Officer Experience
- Loan Origination
- Underwriting
- Escrow
- Microsoft Excel
- Certified Mortgage Advisor
- Pricing
- Financial Services
- Negotiation
- Business Development
- Customer service
- Account Management
- Microsoft Outlook
- Financial Analysis
- Salesforce
Languages
Spanish
Native/ Bilingual
A1
Certification
- Certified Mortgage Advisor, Present, Training in mortgage loan interest rates, arms, Training in educating prospect consumers in pricing, interest rates, loan origination costs, amortization, Debt consolidation, Training in educating prospect buyers in paying off mortgage loan, principal loan and interest, Educating buyers who are refinancing mortgage how to utilize savings and educating them on tangible benefits of their unique situation, Training in 401k, savings and investments, Training in the stock market and keeping up with the daily market changes as it pertains to interest rates, inflation, etc.
- NMLS, 10/10 to Present, Training in Mortgage lending laws, regulations, Training in real estate practices rules and regulations, Compliance training for disclosure purposes, consumer laws, Anti money laundering rules and regulations
- Loan Origination Certified, 01/21, 20 plus hours in Arizona Mortgage Loan origination yearly renewals, Compliance regulations and changes in mortgage industry, Fair credit reporting regulations, Closing Disclosure, loan estimate disclosure practices, Equal opportunity and fair practices in mortgage lending
Assessments
Sales skills, Proficient, 03/21, Influencing and negotiating with customers
Personal Information
Authorized To Work: US
Timeline
Mortgage Sales Manager
AmeriSave Mortgage Corporation
01.2022 - Current
Senior Loan Officer
New American Funding
04.2021 - 12.2021
Senior Mortgage Loan Officer
Wallick & Volk Mortgage
05.2018 - 08.2019
Senior Loan Officer
Union Home Mortgage
10.2017 - 04.2018
Senior Mortgage Consultant
Nova Home Loans
12.2015 - 09.2017
Senior Loan Originator
WJ Bradley Mortgage Capital, LLC
01.2010 - 02.2015
Mortgage Loan Officer
Wells Fargo Home Mortgage
01.2009 - 02.2010
Branch Manager
American Mortgage Specialist
01.2005 - 01.2009
GED - General Studies
Arizona School of Business Technology