Diego Herrera
Finance
100 Oceangate Suite 1200 Long Beach
Summary
Enthusiastic professional eager to contribute to team success through hard work, attention to detail and excellent organizational skills. Motivated to learn, grow and excel in any position in the corporate industry.
Overview
4
4
years of professional experience
1
1
year of post-secondary education
Work History
Senior Credit Analyst
IMerge Financial
06.2024 - Current
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Made decisions and recommendations about extending lines of credit.
- Negotiated successful payment plans for clients struggling with financial hardships, resulting in reduced defaults and improved company revenue.
Account Manager
CrediCare
09.2023 - Current
- Accessed credit records to evaluate customer credit histories.
- Conducted investigations of customer accounts and payment histories.
- Evaluated credit reports to uncover problems and develop strategies for consolidating and reducing client debt.
- Interviewed clients by telephone or in-person to gather financial information.
- Negotiated with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, or payment plans.
- Excellent communication skills, both verbal and written.
- Skilled at working independently and collaboratively in a team environment.
- Responded to client concerns and questions about credit scores and methods to improve numbers.
Licensed Banker
JPMorgan Chase
10.2022 - 07.2023
- SIE, Series 6, Series 63, Life Insurance
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Provided advice on different bank products and financial options.
- Developed and maintained strong customer relationships, providing exceptional service and advice.
- Educated customers on features and benefits of banking products and services.
- Executed wire transfers, stop payments and account transfers.
- Maintained friendly and professional customer interactions.
- Assisted customers with banking needs and inquiries.
Mortgage Loan Originator
PrimeStone Mortgage
03.2022 - 10.2022
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
- Worked with underwriters to fix application problems and resolve issues.
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Prepared documents for customers, submitting and overseeing through each step of closing process.
- Collected information from banks, institutions and employers to assess applicant eligibility.
- Interviewed applicants to assess loan requirements before suggesting offers.
- Monitored pipelines to track and log status of loans.
- Explained different types of loans pertaining to client situations.
Mortgage Loan Originator
Intelliloan
08.2021 - 03.2022
- NMLS licensed Loan Originator licensed in CA, AZ, TX, FL
- Currently looking for new opportunities
- Seeking company that provides opportunity for growth.
- Efficient with Encompass & can set up a file ready for processing.
- Prospect, develop, and maintain relationships with potential new business partners.
- Collect required documents for each specific borrower such as income, assets and liabilities, background check, and loan application documents in order to run through underwriting.
- Educate borrowers on difference between certain loan products.
- Efficiently communicate with processing and borrowers for a smooth and fast transaction.
- Review the loan process with borrowers, review every LE & CD for clear understanding.
Licensed Realtor
HomeSmart Realty Group
11.2020 - 12.2021
- Communicated with clients to understand property needs and preferences.
- Advised and informed prospective clients on current market activities and conditions.
- Compared recently sold area properties to determine competitive market prices.
- Collaborated with clients to learn and determine real estate needs.
Loan Modification Specialist
Equitable Lending
03.2021 - 08.2021
- Engaged with customers to effectively build rapport and lasting relationships.
- Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
- Offered advice and assistance to customers, paying attention to special needs or wants.
Education
No Degree - Business
Long Beach City College
Long Beach, CA 06.2011 - 11.2012
Skills
FHA, Conventional, VA products
Efficient with Encompass
Verbal and written communication
English/ Spanish speaker
Property tours and inspections
Leasing and sales
Purchase contracts
Refinance & Cash Out Specialist
Purchase Specialist
LendingPad
United Wholesale Mortgage
Consumer banking
Relationship building
Timeline
Senior Credit Analyst
IMerge Financial
06.2024 - Current
Account Manager
CrediCare
09.2023 - Current
Licensed Banker
JPMorgan Chase
10.2022 - 07.2023
Mortgage Loan Originator
PrimeStone Mortgage
03.2022 - 10.2022
Mortgage Loan Originator
Intelliloan
08.2021 - 03.2022
Loan Modification Specialist
Equitable Lending
03.2021 - 08.2021
Licensed Realtor
HomeSmart Realty Group
11.2020 - 12.2021
No Degree - Business
Long Beach City College
06.2011 - 11.2012
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