Carlos Miramontez

Senior Vice President Mortgage Lending @Orange County's Credit Union

Claremont, CA, US
EMAILS
c••••••••@orangecountyscu.org
MOBILE NUMBERS
+19•••••••25

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WORK HISTORY

Aug 2022 — Present

Senior Vice President Mortgage Lending @Orange County's Credit Union

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Santa Ana, CA, US

As a Senior Vice Present of Mortgage Lending I am forward-thinking, innovative and results-orientated so that I can successfully lead a dynamic lending team to provide relevant products and services for the marketplace we serve as well as meet the organization’s strategic initiatives.

EDUCATION

1998 — 2000

School of Mortgage Banking

Mortgage Finance

SKILLS

Mortgage MarketingBusiness StrategyVendor Relationship ManagementCredit UnionsBusiness Process ImprovementUnderwritingLeadershipSales ManagementLines of CreditReal EstateRelationship ManagementMortgage LendingLoss MitigationOrganizational LeadershipMortgage UnderwritingSingle Family HomesProductionDigital StrategyLoan ParticipationsStrategic PlanningOrganizational EffectivenessCall CentersLoan OriginationFinancial AnalysisExecutive ManagementOperations ManagementCredit AnalysisReal Estate FinancingResidential MortgagesResidential HomesLoan ServicingCreditMortgage BankingHome Equity LoansCredit RiskInvestment PropertiesSalesVendor ManagementSecondary Mortgage MarketPortfolio Management

ABOUT CARLOS MIRAMONTEZ

Results-driven strategic leader and talented administrator of all facets in real estate finance, consumer finance, and collections/loss mitigation for financial institutions. Excellent knowledge of functions pertaining to loan origination, loan production, compliance regulations, loan administration, secondary market sales, loan participation investments, automation, financial product sales, as well as intricacies of dealing with Asset Liability Management. Proficient with vendor relationship development, contract negotiations, and vendor management. Skilled as an internal consultant in analyzing existing operations and implementing the strategies, processes, and technologies to improve productivity and efficiencies. Effective trainer and motivator of staff for optimal productivity and personal development. Major strengths and expertise include•Multi-Branch and State Loan Origination•Market Real Estate and Consumer Loan Products•Implementation of loan origination and automated underwriting systems•Leadership, Training, and Team Building•Develop Loan Products•Develop Lending Policies and Procedures•Secondary Market Investor relations and salesStrong customer service orientation. Computer literate and highly trained. Overachiever with focused sense of commitment… I graduated from the Mortgage Bankers Association’s School of Mortgage Banking. I also graduated from the MBA’s Future Leaders Group. I earned the MBA’s prestigious Certified Mortgage Banker (CMB) designation.Specialties: I serve as a Vice Chair on the CUNA Housing Subcommittee. I serve on the Mortgage Bankers Association\'s CMB Committee. I served as Chairman on Freddie Mac’s Affordable Housing Advisory Committee. I served on Freddie Mac’s Credit Union Advisory Board. I served as President and a Board Member of the So. California Credit Union Real Estate Network (CUREN). I have served on the CMG MI’s Advisory Board. I served on the Mortgage Bankers Association’s Residential Loan Production Committee.

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Carlos Miramontez — Email, Phone Number & Contact Info | Unifers