Summary
Overview
Work History
Education
Skills
Languages
Timeline
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MIGUEL CHINCHILLA

MIGUEL CHINCHILLA

Chino,CA

Summary

Dynamic Senior Loan Officer with a proven track record at EquitySmart Home Loans, excelling in mortgage underwriting and relationship building. Achieved high client retention through exceptional service and effective communication. Skilled in credit analysis and regulatory compliance, consistently maximizing loan approvals while fostering a strong referral network.

Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service.

Overview

25
25
years of professional experience

Work History

Senior Loan Officer

EquitySmart Home Loans
South Pasadena
02.2019 - Current
  • Collaborated with underwriting team to expedite loan processing times and ensure timely closings for clients.
  • Submitted loan applications to underwriter for verification and recommendations.
  • Cultivated referral network with real estate agents, builders, and other professionals to generate new business leads.
  • Developed strong relationships with borrowers, resulting in high levels of customer satisfaction and repeat business.
  • Maintained strict confidentiality of bank records and client information.
  • Managed a diverse portfolio of loans while maintaining low default rates through careful risk assessment and proactive borrower support.
  • Achieved high levels of client retention by providing exceptional service throughout the loan origination process.
  • Provided exceptional customer service during loan origination, addressing client concerns and ensuring a smooth process from start to finish.
  • Maximized approval rates for qualified applicants through diligent review of financial information and thorough assessment of risks.
  • Maintained strict compliance with industry regulations, ensuring accuracy in disclosures and adherence to lending guidelines.
  • Negotiated favorable terms from lenders on behalf of clients, securing optimal financing options for their needs.
  • Collaborated with other departments to promptly process loan applications.

Mortgage Loan Originator

Bank of America
South Pasadena, CA
04.2000 - 06.2008
  • Worked with underwriters to fix application problems and resolve issues.
  • Collaborated with underwriters, processors, and other team members to resolve issues, ensuring smooth transactions for all parties involved.
  • Analyzed applicant financial data to determine eligibility for various loan products, tailoring recommendations based on individual needs.
  • Maintained up-to-date knowledge of industry regulations, changes, and trends to provide accurate advice to clients.
  • Increased loan application approvals by efficiently processing and reviewing documents for accuracy and compliance.
  • Contributed towards achieving branch sales targets through consistent performance in meeting personal goals as well as supporting team members when needed.
  • Provided exceptional customer service throughout the entire loan process from initial consultation to closing day.
  • Worked closely with borrowers experiencing financial hardship, helping them explore alternative financing options or refinancing solutions.

Education

Some College (No Degree) - General Education (one Year Only)

University of Costa Rica
San Jose, Costa Rica

High School Diploma -

LICEO MONSENOR RUBEN ODIO
Desamparados, Costa Rica
08-1983

Skills

  • Goal-oriented mindset
  • Information verification
  • Problem-solving capacity
  • Regulatory compliance
  • Ethical conduct adherence
  • Application preparation
  • Relationship building and management
  • Documentation review
  • Document analysis
  • Credit analysis
  • Loan origination
  • Mortgage lending
  • Bilingual in spanish
  • Credit assessment
  • Credit analysis proficiency
  • Organizational skills mastery
  • Appraisal compilation

Languages

Spanish
Native or Bilingual

Timeline

Senior Loan Officer

EquitySmart Home Loans
02.2019 - Current

Mortgage Loan Originator

Bank of America
04.2000 - 06.2008

Some College (No Degree) - General Education (one Year Only)

University of Costa Rica

High School Diploma -

LICEO MONSENOR RUBEN ODIO

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MIGUEL CHINCHILLA