ALEX PALOMO
Fontana
Summary
Hard working processor. Very detailed oriented. Great with guidelines and very easy to work. Strive to be better with every day that passes. Funding average 30 loans monthly.
Overview
13
13
years of professional experience
Work History
Night Dispatch
Dion And Sons
03.2023 - Current
- Enhanced efficiency by streamlining night dispatch processes and implementing new communication tools.
- Reduced response times for urgent situations by prioritizing tasks and coordinating resources effectively.
- Maintained high customer satisfaction with timely and accurate dispatching of service requests.
- Improved team collaboration by conducting regular trainings and promoting open communication among staff members.
Relationship Marketing Host
Yaamava
08.2022 - Current
- Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming, positive experiences.
- Investigated and resolved customer inquiries and complaints quickly.
- Recommended products to customers, thoroughly explaining details.
- Responded proactively and positively to rapid change.
- Exhibited high energy and professionalism when dealing with clients and staff.
- Delivered prompt service to prioritize customer needs.
- Met customer call guidelines for service levels, handle time and productivity.
Loan Processor
MR. Cooper
05.2022 - Current
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Handled any conditions sent from underwriting departments.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Maintained compliance with privacy and security requirements, as well as federal statutes covering Conventional and Government loans including FHA and VA.
Senior Loan Processor
Ladera Lending
04.2020 - 05.2022
- Evaluated approvals against established bank and government lending standards.
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Provided quick turnaround times to maintain fast-past schedule.
- Managed FNMA, FHLMC FHA and VA
- Managed a pipeline of 35 to 45 loans a month
Mortgage Processor
Amerihome Mortgage
04.2018 - 03.2020
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Carried a pipeline size of 80 to about 90 loans Loans consisted of programs including FHA full doc and streamline Fnma and Freddie Mac full doc with and without an appraisal Received multiple achievements for customer service Borrowers ranged from salary to self employed.
- Income Is calculated by the processor and the processor is responsible for the initial submission to the underwriter Collected all conditions for the file in a timely manner Scheduled signings and coordinated closings
- Funded 25-40+ loan per month.
Loan Processor
Cross Country Mortgage
01.2016 - 02.2018
- Started off as a processor managing a pipeline of 30-40 loans mainly purchases Average monthly fundings were about 20-30 Loans consisted of Conv/FHA/VA Promoted to loan officer assistant Work up pre approvals to verify borrowers buying power Calculate income and notate anything that may hurt or help the file Contact borrowers to verify any information need for the application.
- Collect paperwork from the borrower Once property is in contract it was the LOA's job to prepare the file for processing Keep up with customer service while the client was shopping for a property.
- 90% of loans consisted of purchases
- Work with borrowers and real estate agents
Mortgage Loan Processor
Prospect Mortgage
10.2015 - 12.2016
- Prospect Mortgage Rancho cucamonga, ca, Balance and carry a pipeline of 60+ loans a month.
- Average fundings were from 21-30 loans a month At the start of the file the processor would work up the income and check all credit and supporting documentation to see if it qualifies and is ready to be submitted to the underwriter.
- At this point the processor would order 4506's any and all Voe's and all title escrow items Once File was approved by underwriting, the processor would then start tracking down all conditions by either contacting and updating the loan officer on what was needed and updated the file every 3 days.
- At each updated the file would be thoroughly notated and conditions that were received would be tagged and updated.
- Once all conditions are received it is the processors job to submit the loan back to the underwriter for final approval(CTC) once all escrow and title items were received including updated homeowners insurance and fees.
- The itemization would then be prepped and the CD would be requested to be sent to the client Once CD is out and 3 day waiting period is over the file is checked for any remaining funding conditions and making sure the file has all information ready for closing docs to drawn by the doc drawer.
- At this point the processor would work closely with escrow and the funder to make sure all funding items were provided to fund the file.
- Loan processor.
Loan Processor
Provident Bank
06.2015 - 09.2015
- Manage a pipeline of 30+ loans funded 20+ units a month keep a good relationship with loan officers by providing updates to files every 3 days or sooner if possible Responsible for income calculations and making sure all credit documentation has been provided During initial review either a missing items letter would be provided to the loan officer or file would be prepped for the underwriter Balanced all fees and sent out revised disclosures if needed.
Senior Account Manager
Loan Depot
10.2011 - 06.2015
- Maintaining a pipeline, which included customer service by keeping up with status calls and clearing conditions.
- Responsible for a 30+ loan pipeline.
- Income calculation- self employed and w-2 responsible for 20+ fundings each month drawing docs and going over closing numbers with the borrower.
Education
High School diploma - undefined
Esperanza High School
2003
Skills
- Able to income calculate- salary, self employed, rental income
- Encompass, empower and calyx point
- Great at multitask
- Able to adapt with job changes and work flow
- FHA, FNMA, FHLMC
Timeline
Night Dispatch
Dion And Sons
03.2023 - Current
Relationship Marketing Host
Yaamava
08.2022 - Current
Loan Processor
MR. Cooper
05.2022 - Current
Senior Loan Processor
Ladera Lending
04.2020 - 05.2022
Mortgage Processor
Amerihome Mortgage
04.2018 - 03.2020
Loan Processor
Cross Country Mortgage
01.2016 - 02.2018
Mortgage Loan Processor
Prospect Mortgage
10.2015 - 12.2016
Loan Processor
Provident Bank
06.2015 - 09.2015
Senior Account Manager
Loan Depot
10.2011 - 06.2015
High School diploma - undefined
Esperanza High School
Similar Profiles
Michael A. HunterMichael A. Hunter
Safety Driver Trainer at Dion and SonsSafety Driver Trainer at Dion and Sons
Daniela J. Alvarado RosaDaniela J. Alvarado Rosa
Accounts Payable Clerk at Dion and SonsAccounts Payable Clerk at Dion and Sons
Jerry ThompsonJerry Thompson
Fuel Tank Delivery Driver at Dion and SonsFuel Tank Delivery Driver at Dion and Sons
Kailey MartinezKailey Martinez
Cashier/Smoothie Maker at Boba TimeCashier/Smoothie Maker at Boba Time
Brittany WhiteBrittany White
Certified Medical Assistant at OptumCertified Medical Assistant at Optum