Nicholas Lovato
Sandy
Summary
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
26
26
years of professional experience
1
1
Certification
Work History
Owner/Senior Loan Officer
Self/Reliant Home Loans
10.2019 - Current
- Submitted loan applications to underwriter for verification and recommendations.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Developed and maintained relationships with local real estate agents.
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Developed strong relationships with customers through high levels of customer service.
- Advised clients on mortgage, education and personal loans.
- Utilized risk management strategies to attain high loan approval rates.
- Monitored performance of existing loan portfolios to identify and address any issues.
- Recommended loan approvals and denials based on customer loan application reviews.
- Maintained strict confidentiality of bank records and client information.
- Developed systems to efficiently track loan documents and enhance accuracy.
Senior Loan Officer
Citywide Home Loans
08.2002 - 06.2019
Senior Loan Officer
Axiom Financial
06.2000 - 08.2002
Vice President/Loan Officer
Academy Mortgage
10.1997 - 02.2000
- Demonstrated proficient leadership skills to motivate employees and build competent teams.
- Hired and managed employees to maximize productivity while training staff on best practices and protocols.
- Clarified roles, responsibilities and expectations of staff.
- Collaborated with senior management to develop strategic initiatives and long term goals.
Education
Bachelor of Arts - Political Science
University of Utah
SLC, Utah05.1992
Skills
- Strong Relationships
- Client Interviews
- Customer Loyalty
- Credit Application Review
- Lender Relationships
- Loans
- Financial Advisement
- Loan Product Promotion
- Loan Officer Training
- Active Listening and Learning
- Application Verification
- Anti Money Laundering (AML)
- Government Standards
- Calyx Point
- Financial Industry Computer Systems Loan Accountant
- Detail Orientation
- Sales Expertise
- Sales Pipeline Maintenance
- Regulatory Compliance
- Client Relations
- Complex Problem-Solving
- Customer Interaction
- Safe Act of 2008 Certification
- Regulatory Disclosure Preparation
- Networking and Partnership Development
- Text Messaging
- Economics Understanding
- Customer Feedback
- Oral and Written Comprehension
- Financial Transactions Expertise
- Program Requirements
- Process Refinement
- Manage Complaints
- Customer Proposals
- Loan Presentation Preparation
- Client Support
- Loan Application Management
- Complete Loan Applications
- Team Player
- Underwriting Processes
- Database Management
- DRE NMLS License
- Remote Video Conferencing
- Mortgage Loan Origination
- Serve Customer Needs
- Excellent Time Management
Certification
- Licensed [Job Title] - [Timeframe]
Timeline
Owner/Senior Loan Officer
Self/Reliant Home Loans
10.2019 - Current
Senior Loan Officer
Citywide Home Loans
08.2002 - 06.2019
Senior Loan Officer
Axiom Financial
06.2000 - 08.2002
Vice President/Loan Officer
Academy Mortgage
10.1997 - 02.2000
Bachelor of Arts - Political Science
University of Utah
- Licensed [Job Title] - [Timeframe]
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