Emilio Morales
VP of Mortgage Lending Guaranteed Rate NMLS 1026607
- Role
- VP of Mortgage Lending at Rate
- Location
- Vancouver, WA, US
- LinkedIn followers
- 500 followers
About Emilio Morales
Career summary: Over 12 years of experience with financial institutions dealing specifically with the mortgage and real estate and individuals.Summary of skills - •Considerable amount of experience in banking and lending arena with a in-depth knowledge of residential mortgage lending.•Proficiency in writing different type of reports.•Excellent communication skills.( Bilingual) Fluent in Spanish •Adept in managing multiple tasks with superb organizational abilities.•Ability to build rapport with customers with different backgrounds.•Complete knowledge on pricing and the underwriting procedures in the mortgage industry.•In-depth knowledge coinciding with all the pertinent federal laws (like Truth-in Lending, RESPA) regulating the lending.Responsibilities - •Developed the marketing and promotional strategies of loan products in compliance with the ethics and policies of US Bank•Devised strategies in form of incentives targeted towards loan customers. Sales calls and partner referrals Loan Processing Expertise - Conforming & Nonconforming Loans, ARMs, Jumbo Loans, Fannie Mae & Freddie Mac Guidelines, FHA, VA, USDA Rural Development Loans, Relocation Down payment assistance and Bond loans, Home advantage WSHFAmerican Dream purchase and rehab programs exclusive from US BankHome posible Lot loans, construction loansFirst time home buyers Education
Experience
VP of Mortgage Lending
Apr 2023 — Present · Vancouver, WA, US
Education
ESAN graduate School of business
Master's degree, International Business/Trade/Commerce
1989 — 1990
Saint Martin University Lima-Peru
Bachelor's degree, International Business/Trade/Commerce
1981 — 1985
Universidad ESAN
Master's degree, International Business
1988 — 1990
Skills
- Fthbuyers
- Underwriting
- Real Estate
- Refinance
- Mortgage Banking
- Banking
- First Time Home Buyers
- Government Loans
- Mortgage Lending
- Fha
- Down Payment Assistance
- Va Loans
- Ida
- Loans
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