ANTHONY PADILLA
CHULA VISTA
Summary
NMLS-registered Mortgage Loan Originator with 4+ years of experience originating residential loans, conducting credit and financial analysis, and matching borrowers to appropriate mortgage programs. Skilled in underwriting, loan processing, and closings, with full compliance to TILA, RESPA, and SAFE Act regulations. Proven ability to manage borrowers throughout the loan lifecycle while building referral relationships and maintaining professional communication.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Jr Loan Officer
Global Equity Finance
01.2025 - 11.2025
- Assisted clients in completing loan applications and gathering required documentation.
- Evaluated creditworthiness using financial data and credit reports.
- Provided support in processing loan requests, ensuring compliance with regulations.
- Communicated with underwriting teams to address potential issues in applications.
- Collaborated with senior loan officers to refine application processes for efficiency.
- Delivered exceptional customer service, resolving inquiries and concerns promptly.
Life Insurance Agent
Western & Southern Life
12.2023 - 07.2024
- As a life insurance agent, I assess clients' financial needs and provide tailored life insurance solutions, generating leads, conducting consultations
- My duties include evaluating risks, explaining policy details, assisting clients in selecting appropriate coverage, handling policy administration, ensuring regulatory compliance, and facilitating claims processing
- Concurrently, I am required by my company to study and pass exams to become a financial advisor, which involves deepening my knowledge of financial planning, investments, and wealth management to expand my expertise and better serve clients with comprehensive financial solutions
- FINRA Licenses: SIE, Series 6
Life Insurance Agent
Bankers Life
05.2023 - 12.2023
- As a life insurance agent, I specialize in assessing clients' financial needs and providing tailored life insurance solutions
- I evaluate risks, explain policy details, and assist clients in selecting appropriate coverage
- My role involves generating leads, conducting consultations, and maintaining long-term client relationships
- I handle policy administration, ensure compliance with regulations, and facilitate claims processing
Mortgage Loan Officer
Veterans First Mortgage
04.2020 - 02.2023
- Originate residential mortgage loans by reviewing applications, analyzing credit, and matching borrowers to appropriate loan programs
- Guide borrowers through the application, documentation, underwriting, and closing process as primary point of contact
- Conduct preliminary underwriting and ensure files are complete and compliant prior to submission
- Manage loan files through document request and closing handoff while maintaining high service levels
- Develop and maintain referral relationships with realtors, builders, bankers, and other partners to generate new business
Education
High School diploma -
Hilltop High School
01.2005
Skills
- Residential Mortgage Loan Origination
- New Mortgage Transaction Generation
- Loan Application Assembly & Review
- Mortgage Program Matching & Pricing Analysis
- Credit Report Review & Financial Analysis
- Preliminary Underwriting Review
- Residential Mortgage Processing, Underwriting, and Closing Knowledge
- Borrower Consultation & Front-Line Client Contact
- Loan File Management Through Application and Closing
- Federal Lending Compliance (Truth-in-Lending, RESPA, SAFE Act)
- Referral Relationship Development (Realtors, Builders, Bankers)
- Business Development & New Loan Request Generation
- Sound Judgment, Professional Demeanor, and Diplomacy
- Microsoft Outlook Proficiency
- NMLS-Registered Mortgage Lending
- Remote & Field-Based Loan Origination Support
- Ability to Travel as Required
Certification
- SIE
- Series 6
AWARDS
Top sales producer AGM 2017, Top mortgage originating producer Wintrust VF 2022
Timeline
Jr Loan Officer
Global Equity Finance
01.2025 - 11.2025
Life Insurance Agent
Western & Southern Life
12.2023 - 07.2024
Life Insurance Agent
Bankers Life
05.2023 - 12.2023
Mortgage Loan Officer
Veterans First Mortgage
04.2020 - 02.2023
High School diploma -
Hilltop High School