RANDALL MEDRANO
Mesa
Summary
Highly Experienced Mortgage Loan Officer and Debt Consultant offering expertise in negotiating & influencing customers into bettering their financial positions. Well-versed in loan products and customer engagement strategies. Makes accurate approval and denial assessments based on risk factors and feasibility standards. Satisfy customers with knowledgeable, friendly service for all loan needs. Dependable employee ready to take on challenges in a position using problem-solving and task prioritization skills to help team succeed. Seeking opportunity to expand skills and contribute to company success.
Overview
5
5
years of professional experience
Work History
Debt Consultant
Rocketship Financial
04.2024 - Current
- Evaluated credit reports to uncover problems and develop strategies for consolidating and reducing client debt.
- Learned and adapted quickly to new technology and software applications.
- Assisted and educated clients with debt-settlement options
- Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
Debt Consultant
Symple Lending
12.2023 - 04.2024
- Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
- Consistently averaged less than 10% cancellation rate
- Demonstrated strong organizational and time management skills while managing multiple projects.
- Interviewed clients by telephone to gather financial information.
Debt Consultant
Americor Funding
01.2023 - 12.2023
- Evaluated credit reports to uncover problems and develop strategies for consolidating and reducing client debt.
- Consistently established 35+ client ACH deposits for Debt Resolution Program monthly
- Consistently averaged 10% cancellation rate with the worst month at 15% throughout my time at the company
- Based on tracking potentially generated company over $1,000,000 in settlement fees throughout employment at Americor
Sr. Loan Officer
Veritas Funding
07.2022 - 12.2022
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Averaged monthly Credit Pull Ratio of 66% (Sales floor averaged of 40-50%)
- Recommended loan approvals and denials based on customer loan application reviews.
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Submitted loan applications to underwriter for verification and recommendations.
- Proactively identified solutions for customers experiencing credit issues.
- Experienced over 80+ hours of extensive Sales/Personal Development Training including: Jordan Belfort's Full Straight Line Persuasion Training, Tony Robbins RPM Training, Chris Voss Art of Negotiation Training & More.
Mortgage Loan Originator
Texana Bank
11.2021 - 02.2022
- (Same Team/Branch as Chou Team Realty LLC Due to Branch Acquisition Retaining only the Highest Performers)
- Educated valued customers about mortgage processes and documentation, including first-time homebuyers
- Tracked daily loan progress, proactively addressing potential issues impacting close date
- Communicated with customers throughout loan process, assisting with questions and explaining additional requirements.
Senior Mortgage Loan Originator
InterContinental Capital Group
04.2020 - 11.2021
- (Same Team/Branch as Chou Team Realty LLC Due to Branch Acquisition Retaining only the Highest Performers)
- Maintained high-quality service and supported accuracy, reviewing loan submissions to validate compliance with loan policies, laws, and regulations
- Consistent Top 5 Funder in the company every Month of the Year (Hitting #1 Funder 3 months out of the year)
- Assisted customers in choosing proper loan program to suit financial needs.
- Supported applicants throughout the process, including obtaining information for applications and assisting with forms
- Obtained approvals by helping underwriters resolve problems with mortgage applications
- Verified completeness, accuracy and integrity of loan agreements.
Loan Officer Assistant
InterContinental Capital Group
01.2020 - 04.2020
- (Same Team/Branch as Chou Team Realty LLC Due to Branch Acquisition Retaining only the Highest Performers)
- Assisted senior processors with clearing internal conditions, closing paperwork, and other documentation
- Managed files for team members and individual loan applications.
- Obtained conditions for loan applications by working with underwriters, business partners, and vendors
- Smoothed loan closings by collecting necessary paperwork and clearances.
- Promoted to Loan Officer
Customer Service Representative
Chou Team Realty, LLC
09.2019 - 01.2020
- Broke Company Record for Most Sales Transfers for the Day/Week & Month (Converting customers to speak with Licensed Loan Originator)
- Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
- Answered customer telephone calls promptly to avoid on-hold wait times.
- Answered constant flow of customer calls with minimal wait times.
- Offered advice and assistance to customers, paying attention to special needs or wants.
- Promoted to Loan Officer Assistant
Education
High School Diploma -
Mission Viejo High School
06.2014
Skills
- Financial Advisement
- Credit History Review
- Strong Written & Verbal Communication
- Information Verification
- Application Preparation
- Strategy Planning
- Debt Settlement
- Customer Education
- Bilingual (English/Spanish)
Timeline
Debt Consultant
Rocketship Financial
04.2024 - Current
Debt Consultant
Symple Lending
12.2023 - 04.2024
Debt Consultant
Americor Funding
01.2023 - 12.2023
Sr. Loan Officer
Veritas Funding
07.2022 - 12.2022
Mortgage Loan Originator
Texana Bank
11.2021 - 02.2022
Senior Mortgage Loan Originator
InterContinental Capital Group
04.2020 - 11.2021
Loan Officer Assistant
InterContinental Capital Group
01.2020 - 04.2020
Customer Service Representative
Chou Team Realty, LLC
09.2019 - 01.2020
High School Diploma -
Mission Viejo High School
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