Iris R. Toro Ayala

Loan Officer NMLS #456544: Qualify customers for different types of loans, including FHA, conventional conforming and non-conforming, rural, and VA. Analyze credit, income, and debts to determine the ability to repay the mortgage. Originate the file in compliance with the federal regulations with zero findings. Review of the plot plan, appraisal, CRIM, flood, and insurance. Processing loans to desktop underwriting and submitting them for final approval. Excellent relationships with real estate agents, builders, and other referral sources in order to generate business leads. Work with Calyx, Byte Pro, and Encompass systems. Interacted with title companies, attorneys, surveyors and other third parties involved in the loan process. Resolved borrower complaints in a timely manner while providing excellent customer service.

Qualify customer for purchase and evaluated existing customer accounts for refinancing opportunities or additional services offered by the company. Participated in team meetings, trainings conducted by management staff regarding updates on products, services offered by the company. Interacted with title companies, attorneys, surveyors and other third parties involved in the loan process. Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility. Ensured compliance with all federal, state and local regulations related to mortgage lending.

Analyzed financial data such as income, assets, liabilities, and credit history to determine risk factors associated with each loan application. Reviewed loan applications and verified accuracy of borrower information. Processed loan documents and ensured compliance with federal regulations.

Researched discrepancies in documentation received from applicants or third parties. Loan Processor in the Vivienda Nueva department. Excellent relations with the realtor, seller, attorneys, and providers. Submitted the file to the department for approval according to regulations and compliance in order to get final approval, and submit to the closing department.