Loan Officer

Mortgage Loan Officer — Summit Residential Lending

Dallas, TX | January 2024 – Present

• Originated and managed a residential mortgage pipeline exceeding $24M in annual volume, maintaining an average file pull-through rate of 92% from application to close.
• Analyzed complex credit histories, corporate tax returns, and debt-to-income ratios for over 150 high-net-worth borrowers, reducing loan submission errors by 18%.
• Leveraged Salesforce and Encompass CRM systems to streamline communication with underwriting teams, reducing average loan processing cycle times from 28 days to 21 days.
• Cultivated strategic referral partnerships with 12 local real estate agencies and custom homebuilders, generating a 35% increase in purchase loan applications over 18 months.

Associate Loan Officer — First Texas Community Bank

Austin, TX | June 2021 – December 2023

• Processed and pre-qualified more than 300 residential loan files, verifying borrower assets, employment histories, and credit reports in compliance with Fannie Mae guidelines.
• Facilitated customer intake and application processes, increasing weekly loan application submissions by 22% while ensuring complete compliance with HMDA and TRID regulations, resulting in zero regulatory audit findings over 30 months.
• Utilized Desktop Underwriter (DU) to assess creditworthiness and loan feasibility, expediting pre-approval letter issuance times by 24% for prospective homebuyers.
• Conducted educational seminars for first-time homebuyers, converting 45 attendee prospects into active closed loans and adding $9.2M to the bank's mortgage portfolio.

Residential mortgage origination, Commercial lending, Underwriting guidelines (Fannie Mae/Freddie Mac), Credit analysis, Debt-to-income (DTI) assessment, NMLS regulations, Salesforce CRM, Encompass, Desktop Underwriter (DU), Loan Product Advisor (LPA), HMDA compliance, TRID compliance, Client relationship management

Digital Loan Application Migration

Role: Project Lead & Lending Specialist

Tools: Encompass, Salesforce, Zoom, Slack

Coordinated the transition of Summit's legacy application system to a new digital mortgage portal, reducing client application drop-off rates by 19% and cutting submission-to-underwrite times by 4 days.

FHA/VA Special Lending Program Campaign

Role: Program Coordinator

Tools: Optimal Blue, Desktop Underwriter, HubSpot

Designed and executed an outreach campaign targeting underserved communities, which successfully generated 58 new FHA/VA closed loans, totaling $14.5M in volume within a 9-month period.

• Licensed Mortgage Loan Originator (MLO) - NMLS ID #198425 (2021)
• Certified Mortgage Professional (CMP) (2023)

• Languages: English (Native), Spanish (Professional Working Proficiency)
• Volunteer Work: Financial literacy workshop instructor for local community center (2022-present)
• Availability: 2 weeks notice