Asterio R. Radoc
Sacramento
Summary
Public-facing financial services professional with more than 30 years of experience communicating complex federal and conventional lending programs to customers, community partners, real estate professionals, and business stakeholders. Extensive experience responding to public inquiries, explaining policies and procedures, preparing loan documentation, maintaining regulatory compliance, and coordinating with multiple internal and external organizations while managing high-volume workloads. Recognized for building trusted relationships, delivering accurate information, and exercising sound judgment in time-sensitive environments.
Overview
2
2
Languages
38
38
years of professional experience
Work History
Mortgage Loan Officer
Bank of America
05.2016 - 04.2026
- Approve loans within specified limits and guidelines.
- Meet with applicants to obtain information for loan application and to answer questions.
- Educated customers on various loan terms and types to enhance understanding and informed decision-making.
- Ensured customers were placed in loan programs aligned with their goals and expectations for optimal satisfaction.
- Ensured timely and accurate submission of loan files to the underwriter.
- Promoted business by developing relationships with new borrowers, realtors, and builders to expand client base.
Mortgage Loan Officer
Wells Fargo Mortgage
Folsom
09.2021 - 02.2024
- Educated customers on loan terms and types to empower informed decision-making.
- Ensure customer is placed in the loan program which best fits the customer and his/her overall goals and expectations of the loan.
- Evaluated loan applications and approved them based on specific limits and guidelines.
- Approve loans within specified limits and guidelines.
- Evaluated financial documents and assessed borrower creditworthiness.
- Managed timely and accurate submission of loan files to the underwriter.
- Provided clients with daily interest rates and APR details to facilitate informed loan decisions.
- Developed relationships with new borrowers, realtors, and builders to expand business opportunities.
- Collaborated with real estate agents to facilitate financing for property purchases, enhancing customer satisfaction.
Mortgage Loan Processor Specialist II
Bank of America
02.2012 - 10.2010
- Conducted Welcome Calls, reviewed loan applications with borrowers and verified required income documentation, bank statements, and home insurance information.
- Ordered appraisal, credit, and title reports, and verified employment (VOE) to support loan processing.
- Facilitated the issuance of pre-approval letters for loan applications.
- Requested subordination documents from third parties to facilitate loan approvals.
- Communicate status with processor, vendor and clients.
Area Manager
America Wood Molding
Sacramento
06.1999 - 09.2002
- Managed a large territory that included San Francisco County, Monterey County, Contra Costa County, Alameda County, Napa County, and Solano County.
- Allocated sales territories for representatives to enhance sales efforts.
- Coordinate sales distribution by establishing sales territories quotes and goals.
- Tracked schedules for 10 sales representatives to streamline daily operations.
- Maintained personal contact with Home Depot store managers and associates to support sales initiatives.
- Trained and evaluated workers on sales program performance.
- Identified problems, diagnose causes and determine corrective actions.
- Participated in New Home Depot Store Openings and resets for product line.
Independent Distributor
Archway Cookies
Belmont
01.1988 - 06.1997
- Independent marketing, sales and distribution of products.
- Developed strategies to enhance sales production, targeting key market segments.
- Identified and engaged new customers through networking, cold calling, door knocking, and relationship building.
- Supported and maintained relationships with store owners, managers, and staff to optimize product placement and sales.
- Product display, inventory, pricing and stock rotation procedures.
- Territory coverage San Jose to San Francisco.
- Operated as an independent distributor of various products.
Education
High School Diploma -
Salinas High
Salinas, CA01-1981
Some College (No Degree) -
Hartnell College
Salinas, CASkills
- Lead Generation
- Sales Goal Achievement
- Contract Negotiation
- Pricing Strategy
- Client Relationship Management
- Sales Contract Preparation
- Client Needs Assessment
- Product Promotion
- Customer Service
- Trust Building
- MS Office
- Excel
- SharePoint
- Edge
- ACAPS
- DU
- LP
- Ioreginate
- Referral Networking
- Client Retention
- Networking skills
- Multicultural communication
- Stakeholder management
Languages
English
Native/ Bilingual
Tagalog
Native/ Bilingual
Timeline
Mortgage Loan Officer
Wells Fargo Mortgage
09.2021 - 02.2024
Mortgage Loan Officer
Bank of America
05.2016 - 04.2026
Mortgage Loan Processor Specialist II
Bank of America
02.2012 - 10.2010
Area Manager
America Wood Molding
06.1999 - 09.2002
Independent Distributor
Archway Cookies
01.1988 - 06.1997
High School Diploma -
Salinas High
Some College (No Degree) -
Hartnell College