Mark Rivera
Corona
Summary
Detail oriented, self-motivated professional with extensive experience in mortgage lending and preliminary underwriting. Exceptional skill promoting and cross selling various bank products (Credit cards, bank accounts and home equity loans and lines), mortgage products and client relations issues. Excellent organization skills, proven ability to work independently as well as a leader and a solid team member. Superior analytical and decision making process skills based on risk assessments.
Financial professional with proven track record of delivering impactful results in client financial planning and investment strategies. Demonstrates strong team collaboration and adaptability, ensuring reliable performance in fluctuating environments. Skilled in financial analysis, customer relationship management, and compliance with regulatory standards. Known for effective communication, problem-solving.
Overview
35
35
years of professional experience
Work History
Financial Services Representative
Thinkwise Credit Union
07.2023 - Current
- Provided excellent customer service, resolving issues quickly and maintaining long-term client relationships.
- Enhanced customer relationships with personalized service and addressing individual concerns promptly.
- Collaborated with team members to achieve sales targets and improve overall branch performance.
- Assessed credit applications accurately by analyzing applicants'' financial history, income stability, and repayment capability.
- Identified opportunities to cross-sell products, resulting in increased revenue for the credit union.
- Worked closely with other departments to provide seamless service delivery for complex client requests.
Senior Mortgage Lender
E Mortgage
08.2022 - 07.2023
- Implemented innovative marketing strategies to attract new clients and expand market share in a competitive environment.
- Enhanced team performance through regular training sessions and sharing best practices within the department.
- Strengthened customer relationships through effective communication and personalized service throughout the lending process.
- Built a positive rapport with clients by providing transparent information about their loans'' statuses at every stage of the process.
Senior Mortgage Loan Officer
ClearPath Lending
05.2020 - 08.2022
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
- Managed continuous pipeline of over 35 loans, totaling average of $4,750,000 in financing.
Senior Mortgage Professional
Mr. Cooper
05.2019 - 05.2020
- Loan originator in the Core division.
- One of the top producers in the high volume call center.
- Licensed in 18 states specializing in VA and FHA streamline refinance and Conventional mortgage refinance options.
Senior Financial Center Lending Officer
Bank of America
11.2018 - 05.2019
- Assigned to branches in Corona and Riverside to originate 1st mortgage purchases, refinances and home equity lines of credit.
- Mentored relationship managers and financial advisors to create opportunities with clients for referrals for mortgage loans and home equity lines of credit.
Senior Mortgage Loan Consultant
California Bank & Trust
04.2018 - 11.2018
- Assigned to branches in Claremont and Brea to originate mortgages from current clients/prospects, Private Bank Clients and self sourced business through external partners.
- Cross sold home equity lines of credit and various bank products.
- Referred commercial and non-mortgage loans to partners within the bank.
- Partnered with Relationship Managers to develop mortgage opportunities with clients.
Residential Loan Consultant/Vice President
City National Bank
01.2008 - 01.2018
- Accomplishments.
- Handled high volume of referrals from Relationship Managers and own self sourcing business.
- Originated loans for Entertainment, Private Client Services and Core banking.
- Covered 18 branches from San Diego, Riverside and Orange Counties.
- Determined the mortgage needs of internal clients and prospects.
- As a result, had the highest number of units and dollars funded in 2017 with 63 units and $46,896,912.
- Determined the loan structure that best satisfied the client’s requests, resulting in submitted application in 85% of the time.
- Analyzed the loan applications, tax returns, financial statements and other relevant documents necessary to make a recommendation to underwriting for approval or denial.
- Coordinated all aspects of the loan process to ensure deadlines were met and clients were satisfied.
- Communicated timely decisions to internal and external clients, while consistently delivering a high level of customer service and effectively managing priorities.
Senior Loan Officer
Bank of America
08.2006 - 01.2008
- Originator of traditional 1st mortgage loans and home equity products in call center.
- Acted as a mortgage consultant and a resource to the bank in developing and retaining business.
- Mentored new associates in various mortgage products, credit policies and computer system operations.
- Demonstrated solid product and operational knowledge.
- Utilized good credit analysis and excellent closing skills.
Senior Loan Officer
Countrywide Home Loans
05.2003 - 08.2006
- Originator of 1st mortgage products and home equity loans in high volume call center.
- Consistently one of the top producers in applications taken and funded in a high volume environment.
- Mentored new associates on products, policies and systems.
Loan Originator
Bank of America
01.1990 - 05.2003
- Responsible for submitting mortgage and home equity loan applications over the phone and making credit decisions through Loan by Phone platform.
- Trained new associates with credit policy guidelines and computer systems that were used in the application process.
- Worked in conjunction with Senior Loan Officers in concurring with fellow associates on credit decisions and questions regarding credit analysis.
Education
Business Administration
Fullerton College
Fullerton, CASkills
- Fluent in English and Spanish
- Professional networking
- Preliminary underwriting
- Problem solving process capability
- NMLS # 589028
- Call center experience
- Credit analysis
- Experienced in Conventional, VA and FHA loans
- Financial services
- Customer relationship management
- Financial product sales
- Customer relationship building
Timeline
Financial Services Representative
Thinkwise Credit Union
07.2023 - Current
Senior Mortgage Lender
E Mortgage
08.2022 - 07.2023
Senior Mortgage Loan Officer
ClearPath Lending
05.2020 - 08.2022
Senior Mortgage Professional
Mr. Cooper
05.2019 - 05.2020
Senior Financial Center Lending Officer
Bank of America
11.2018 - 05.2019
Senior Mortgage Loan Consultant
California Bank & Trust
04.2018 - 11.2018
Residential Loan Consultant/Vice President
City National Bank
01.2008 - 01.2018
Senior Loan Officer
Bank of America
08.2006 - 01.2008
Senior Loan Officer
Countrywide Home Loans
05.2003 - 08.2006
Loan Originator
Bank of America
01.1990 - 05.2003
Business Administration
Fullerton College
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