Joaquin Campos Email & Phone Number

Folsom, California, United States

Roseville, Ca

Folsom, California

--Primary contact for mortgage brokers, responsible for reviewing all asset, credit and income documentation.--Analyzes Appraisal Reports, Title Reports and Evidence of Insurance prior to underwriting submission.--Responsible for managing a pipeline of 30-50 files from initial approval to clear to close by following up on outstanding conditions, preparing change of circumstance disclosures and requesting lock extensions as needed.--Works in tandem with mortgage brokers, closers, title and escrow officers to ensure timely closings and fundings.--Takes pride in providing excellent customer service to borrowers, loan officers, and third party vendors.

San Francisco, California

-- Processed over 125 loans to date that were approved, equaling over $29 million in funding.-- Responsible for managing 3 loan officer’s pipelines, an average of 40-60 loan applications per month, with a targeted completion time of 10 business days per loan application and a 70% approval rate.-- Responsible for pre-underwriting new applications, drafting a needs list, and communicating to the borrower or broker in order to ensure the loan is approved in a timely manner. Follows up with the borrower as needed to ensure that conditions are met.-- Obtains third party vendor reports and reviews documents such as purchase contracts, title reports, asset statements and entity documents.-- Responsible for training/on boarding new Loan Analyst Processors --Reported Directly to the VP of Sales

San Francisco, California

--Communicated and coordinated with internal and external members to ensure timely completion of mortgage applications, including Loan Officers, Loan Processors, Appraisal Management Companies, Title & Escrow, Realtors, Employers and Borrowers.-- Prepared pre-approval letters for qualified borrowers.-- Checked, verified, and entered data into Encompass for mortgage application submission.-- Performed income calculations and cash flow analysis for both wage earners and self-employed individuals.-- Analyzed third party documents including: wage/retirement statements, personal/business tax returns, profit and loss statements, balance sheets, bank statements, court documents, IRS transcripts, and credit reports.-- Conducted regular pipeline reviews, inspecting and assessing team response and turnaround times to ensure compliance with RESPA, TILA, TRID, minimize lock expirations, and missed contingencies.

San Francisco Bay Area

--Promoted to Team lead in November 2015.--Reviewed an average of 40 personal loan applications per day checking for both credit and fraud risks leading to approvals or declines.--Utilized extensive knowledge of company credit policy and procedure to guide and support a group of 10 credit agents as the Team Lead.--Coached and mentored credit agents through structured 1:1s and daily pipeline management review.--Performed income calculations for both wage earners and self-employed individuals.--Analyzed third party documents including: wage/retirement statements, personal/business tax returns, bank statements, court documents, IRS transcripts, and Trans Union and Equifax consumer credit reports.

--Consistently met and exceeded monthly hurdles translating to an average of 294% above goal for 2014.--Maintained an exceptional knowledge of mortgage products, rates and adjusters leading to qualified referrals generating over 20 million in home purchases and refinances.--Leveraged Citibank’s customer leads to identify new prospects and cross-selling opportunities to existing clients.--Conducted needs based assessments with clients and clearly communicate product solutions including deposit accounts, loans and lines of credit.

--Conducted extensive telephone sales for prospecting and following up on leads.--Collaborated with local businesses to design and lead on-site media training presentations.--Built a strong network that resulted in referrals, increased brand awareness and new subscribers by attending networking events.

--Successfully wrote and implemented two grants for HIV education and the construction of a Youth Center.--Instructed at Berdyansk College of Tavriyskiy Agriculture and Technology, in doing so, created and administered the curriculum for the following courses: Healthy Lifestyles, United States Government and English