Cynthia Barrera
Perris
Summary
Seeking a challenging position with potential for growth and advancement that will utilize my expertise in operations, sales, and service. Extremely motivated, highly personable, learns and adapts quickly, ready for a career change, and eager to contribute to a company's development.
Overview
26
26
years of professional experience
Work History
Loan Officer
Guild Mortgage
Hemet
07.2026 - Current
- Guided clients through the mortgage process and product options.
- Collaborated with underwriters to assess risk and approve loans.
- Maintained strong relationships with borrowers and real estate agents.
- Evaluated loan applications for accuracy and completeness.
- Ensured compliance with federal regulations and company policies.
- Utilized loan processing software to manage documentation efficiently.
MORTGAGE LOAN ORIGINATOR
US BANK
06.2016 - Current
- Independently source and identify mortgage opportunities through my network of colleagues, center of influence relationships, and realtors throughout the valley.
- Passionately supports clients through the mortgage process to ensure a high level of service and a superior experience.
- Build strong rapport and relationships with underwriting and processing team to drive communication and strong, timely results.
- Attended Mortgage Loan Origination training 6/2016.
- Currently pursuing to pass the Uniform State Test to become licensed MLO.
- 2016 City of Perris: Economic Development Award for stewardship and participation in support of city events and activities for 2016.
Loan Officer
Acrisure
Victorville
08.2025 - 06.2026
- Evaluated loan applications for accuracy and completeness.
- Guided clients through the mortgage process and product options.
- Collaborated with underwriters to assess risk and approve loans.
- Maintained strong relationships with borrowers and real estate agents.
- Provided expert advice on loan programs and interest rates.
- Ensured compliance with federal regulations and company policies.
- Utilized loan processing software to manage documentation efficiently.
loan officer
Crosscountrymortgages
Victorville
09.2024 - 08.2025
- Evaluated client financial information to determine loan eligibility.
- Guided clients through the mortgage application process and documentation requirements.
- Collaborated with underwriters to assess risk and approve loan applications.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Developed and maintained relationships with potential customers to increase loan business.
Loan Officer
Gold star mortgage
Victorville
08.2022 - 08.2024
- Evaluated loan applications for accuracy and completeness.
- Guided clients through the mortgage process and product options.
- Collaborated with underwriters to assess risk and approve loans.
- Maintained strong relationships with borrowers and real estate agents.
- Ensured compliance with federal regulations and company policies.
- Reviewed credit reports to determine borrower eligibility for financing.
Loan Officer
total quality financial
Ontario
03.2022 - 08.2022
- Evaluated loan applications for accuracy and completeness.
- Guided clients through the mortgage process and product options.
- Collaborated with underwriters to assess risk and approve loans.
- Maintained strong relationships with borrowers and real estate agents.
- Provided expert advice on loan programs and interest rates.
- Reviewed credit reports to determine borrower eligibility for financing.
- Ensured compliance with federal regulations and company policies.
Loan Officer
American Financial Network
Irvine
05.2021 - 03.2022
- Evaluated loan applications for accuracy and completeness.
- Guided clients through the mortgage process and product options.
- Collaborated with underwriters to assess risk and approve loans.
- Maintained strong relationships with borrowers and real estate agents.
- Ensured compliance with federal regulations and company policies.
- Reviewed credit reports to determine borrower eligibility for financing.
Loan Officer
Gold Star Mortgage Services
Victorville
06.2020 - 05.2021
- Guided clients through the mortgage process and product options.
- Collaborated with underwriters to assess risk and approve loans.
- Maintained strong relationships with borrowers and real estate agents.
- Evaluated loan applications for accuracy and completeness.
- Delivered high levels of customer service to facilitate smooth processes.
- Reviewed loan agreements to confirm completeness and accuracy.
- Developed and maintained relationships with potential customers to increase loan business.
Loan Officer
New American Funding
Irvine
01.2020 - 06.2020
- Evaluated loan applications for accuracy and completeness.
- Maintained strong relationships with borrowers and real estate agents.
- Collaborated with underwriters to assess risk and approve loans.
- Guided clients through the mortgage process and product options.
- Reviewed credit reports to determine borrower eligibility for financing.
- Ensured compliance with federal regulations and company policies.
- Utilized loan processing software to manage documentation efficiently.
Loan Officer
Academy Mortgage Corporation
Ontario
03.2018 - 01.2020
- Evaluated loan applications for accuracy and completeness.
- Guided clients through the mortgage process and product options.
- Collaborated with underwriters to assess risk and approve loans.
- Maintained strong relationships with borrowers and real estate agents.
- Reviewed credit reports to determine borrower eligibility for financing.
- Ensured compliance with federal regulations and company policies.
- Utilized loan processing software to manage documentation efficiently.
Loan Officer
Paramount Residential Mortgage Group
Ontario
06.2017 - 05.2018
- Evaluated loan applications for accuracy and completeness.
- Guided clients through the mortgage process and product options.
- Collaborated with underwriters to assess risk and approve loans.
- Maintained strong relationships with borrowers and real estate agents.
- Reviewed credit reports to determine borrower eligibility for financing.
- Ensured compliance with federal regulations and company policies.
- Provided expert advice on loan programs and interest rates.
- Utilized loan processing software to manage documentation efficiently.
Loan Officer
Dignified Home Loans
Temecula
02.2017 - 06.2017
- Evaluated loan applications for accuracy and completeness.
- Guided clients through the mortgage process and product options.
- Collaborated with underwriters to assess risk and approve loans.
- Maintained strong relationships with borrowers and real estate agents.
- Reviewed credit reports to determine borrower eligibility for financing.
- Provided expert advice on loan programs and interest rates.
- Ensured compliance with federal regulations and company policies.
- Utilized loan processing software to manage documentation efficiently.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Delivered high levels of customer service to facilitate smooth processes.
SENIOR RELATIONSHIP BANKER
UNION BANK, N.A.
HEMET
01.2011 - 06.2016
- Proactively source, acquire, and expand customer relationships by maximizing sales opportunities and ensuring customer retention.
- Maintains a strong cross-sell ratio maximizing a client’s full service experience by linking banking products to clients and their needs.
- Effective marketing and cold calling expertise to solicit to small and large businesses to provide banking products.
- Establish and maintain key relationships and business contacts within the community and targeted industry segments to create opportunities for growth.
- Supervise and train staff; independently leads opening and closing procedures; supports operational duties, makes recommendations and approvals according to procedure and policy.
- Proficient at opening consumer and business accounts; recommending and booking loans, investment referrals, mortgage referrals, home equity sales and insurance sales, payroll and merchant service products.
- Promoted from Relationship Banker to Senior Relationship Banker, Jan 2013
- Top Recipient of Regional Executive Recognition for Overall Performance within the bank: Q1 & 3 2014; Q1, 2 & 4 2013; Q1 & 3 2012; Q4 2011
- Opened 74 new households in Q3 2014
- Consistently exceeds goals, expectations, and service performance metrics.
CUSTOMER SERVICE SPECIALIST
UNION BANK, N.A.
TEMECULA
02.2008 - 01.2011
- Develop new and existing consumer banking relationships by proactively soliciting new products from prospective clients and by contacting present clients to retain and expand banking relationships.
- Exercise good judgment in problem solving and solution oriented.
- Refer situations with which I am unfamiliar with or are outside of my authority to the appropriate supervisor or coworker.
- Within my ability and authority, provide support to the banking offices and departments.
- Ensure efficient customer service. Fulfill varied transaction needs, identify sales opportunities, and make appropriate referrals to the sales staff.
- 4-time Market President Honoree: Q3 2009, Q1 &3 2010 & Q1 2011
- #1 Customer Service Specialist in Union Bank for the Race is On Campaign, 2011
- #1 Customer Service Specialist in Union Bank for Business Boogie Campaign, 2010
- Consistently Exceeded Monthly Teller Goal
- Promoted to Relationship Banker Jan 2011
CAGE CASHIER
SOBOBA CASINO
SAN JACINTO
03.2000 - 11.2007
- Protect departmental assets.
- Execute all duties as assigned for all window and bank transactions within an assigned cage facility.
- Operate a front line window, employee window, and/ or hopper window, fulfilling all duties of any of these positions.
- Provide proper security, accountability, and control of all company assets (I.e. keys, currency, company funds) within an assigned cage facility.
Education
General Education/ Diploma -
Perris High School
Perris, CA06-1996
Skills
- Problem solving
- Team player
- Sales
- Customer Service
- Information Systems
- Computer organization
- Data processing
- Decision support systems
- System analysis
- Windows XP
- Windows 2000
- Windows Vista
- MS Word
- MS Excel
- MS PowerPoint
- 10 key calculator skills
- Bilingual (Spanish)
- Customer retention
- Relationship building
- Mortgage advising
Timeline
Loan Officer
Guild Mortgage
07.2026 - Current
Loan Officer
Acrisure
08.2025 - 06.2026
loan officer
Crosscountrymortgages
09.2024 - 08.2025
Loan Officer
Gold star mortgage
08.2022 - 08.2024
Loan Officer
total quality financial
03.2022 - 08.2022
Loan Officer
American Financial Network
05.2021 - 03.2022
Loan Officer
Gold Star Mortgage Services
06.2020 - 05.2021
Loan Officer
New American Funding
01.2020 - 06.2020
Loan Officer
Academy Mortgage Corporation
03.2018 - 01.2020
Loan Officer
Paramount Residential Mortgage Group
06.2017 - 05.2018
Loan Officer
Dignified Home Loans
02.2017 - 06.2017
MORTGAGE LOAN ORIGINATOR
US BANK
06.2016 - Current
SENIOR RELATIONSHIP BANKER
UNION BANK, N.A.
01.2011 - 06.2016
CUSTOMER SERVICE SPECIALIST
UNION BANK, N.A.
02.2008 - 01.2011
CAGE CASHIER
SOBOBA CASINO
03.2000 - 11.2007
General Education/ Diploma -
Perris High School