Summary
Overview
Work History
Education
Skills
Affiliations
Accomplishments
Timeline
Generic

Lydia Rios-Bretschneider

San Diego

Summary

Dynamic VP with extensive experience in driving strategic initiatives within the homebuilder mortgage sector. Expertise in mortgage compliance and market analysis, resulting in enhanced customer satisfaction and streamlined operational processes. Proven track record of identifying growth opportunities and implementing effective solutions in fast-paced environments.

Overview

30
30
years of professional experience

Work History

VP/ Division Manager

Lennar Mortgage, LLC
San Diego
05.2019 - 08.2025
  • Spearheaded strategic initiatives, driving mortgage product development and market expansion.
  • Analyzed market trends to uncover growth opportunities and inform key decisions.
  • Executed solutions for operational challenges, enhancing overall efficiency.
  • Directed staff training programs to elevate operational knowledge and performance standards.
  • Oversaw compliance with regulatory requirements in mortgage operations and lending practices.
  • Facilitated interdepartmental communication to streamline processes and improve workflows.
  • Collaborated with cross-functional teams to enhance service delivery and customer experience.
  • Maintained strong relationships with homebuilders through timely responses and active participation.

VP/Mortgage Branch Manager

Wells Fargo Home Mortgage
San Diego
01.2010 - 12.2016
  • Led strategic initiatives to enhance customer satisfaction and loyalty programs.
  • Oversaw risk management practices in alignment with regulatory requirements.
  • Analyzed market trends to inform strategic decision-making and product development.
  • Facilitated communication between executive leadership and operational teams for alignment.
  • Developed and executed strategic plans to support the vision of the organization.
  • Provided oversight of all departments in order to ensure smooth operation of daily activities.
  • Managed financial operations, overseeing budgeting, forecasting and financial analysis activities.

Loan Officer

Countrywide Home Loans
San Diego
01.2009 - 12.2010
  • Evaluated loan applications for compliance with regulations and guidelines.
  • Collaborated with clients to assess financial needs and recommend suitable products.
  • Managed documentation and ensured accuracy of loan files throughout the approval process.
  • Developed relationships with real estate agents to facilitate smooth loan transactions.
  • Conducted thorough credit analyses to determine borrower eligibility for various loans.
  • Provided exceptional customer service by addressing client inquiries and concerns promptly.
  • Coordinated with underwriters to expedite loan approvals and resolve issues efficiently.
  • Educated customers on variety of loan products and available credit options to promote valuable decision-making.
  • Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.

VP and Division Manager

Standard Pacific Homes
San Diego
05.2005 - 12.2010
  • Analyzed market trends to guide development strategies and investment decisions.
  • Developed and executed strategic plans aligned with organizational vision.
  • Mentored junior staff to enhance professional growth and foster team collaboration.
  • Established performance standards for staff to elevate productivity levels.
  • Identified operational problems and implemented effective solutions.
  • Oversaw affordable housing project to determine buyer eligibility.

AVP/ Branch Retail Manager

Washington Mutual Bank/Great Western Back
San Diego
06.1995 - 05.2005
  • Developed strategic plans to support business initiatives and drive organizational goals.
  • Analyzed market trends to inform decision-making for product offerings and services.
  • Facilitated training sessions to promote best practices among team members.
  • Collaborated with senior leadership to refine business strategies and growth targets.
  • Led weekly status meetings with project teams in order to track progress against milestones.
  • Used excellent verbal skills to engage customers in conversation and effectively determine needs and requirements.
  • Used strong issue resolution and communication skills to cultivate and strengthen lasting client relationships.
  • Implemented successful business strategies to increase revenue and target new markets.

Education

Bachelor of Arts - Marketing/Sales Management

California State University, Fullerton
Fullerton
06-1992

Skills

  • Mortgage compliance
  • Market analysis
  • Strategic planning
  • Risk management
  • Operational efficiency
  • Customer relationship management
  • Loan officer development
  • Intercompany liaison

Affiliations

  • Golf
  • Cooking

Accomplishments

  • Certified Mortgage Banker (CMB) - Mortgage Bankers Association

Timeline

VP/ Division Manager

Lennar Mortgage, LLC
05.2019 - 08.2025

VP/Mortgage Branch Manager

Wells Fargo Home Mortgage
01.2010 - 12.2016

Loan Officer

Countrywide Home Loans
01.2009 - 12.2010

VP and Division Manager

Standard Pacific Homes
05.2005 - 12.2010

AVP/ Branch Retail Manager

Washington Mutual Bank/Great Western Back
06.1995 - 05.2005

Bachelor of Arts - Marketing/Sales Management

California State University, Fullerton

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Lydia Rios-Bretschneider