Patricia D. Clendenen de Soto
St. Croix
Summary
Knowledgeable mortgage lending professional with solid background in mortgage loan origination and client consultation. Expertise in guiding clients through mortgage process, ensuring compliance with lending regulations, and closing loans efficiently. Demonstrated proficiency in financial analysis and customer relationship management.
Overview
26
26
years of professional experience
Work History
Advisor, Retail Banking
Oriental Bank
St. Croix, Virgin Islands
01.2020 - Current
- Educate customer on pre-qualification and mortgage solutions pertaining to client situations.
- Facilitate loan origination processes, ensuring compliance with regulatory standards and company policies..
- Evaluate borrower creditworthiness through comprehensive financial analysis and risk assessment techniques.
- Develop customized mortgage solutions to meet diverse client needs while enhancing customer satisfaction levels.
- Collaborate with underwriting and processing teams to resolve issues and expedite loan approvals.
- Participated in industry events and conferences to build relationships and gain market intelligence.
Licensed Home Financing Specialist
Scotiabank
St. Croix, Virgin Islands
09.2000 - 12.2019
- Maintained productive working relationship with external and internal mortgage partners along with resolve of customer issues quickly and efficiently.
- Assisted clients in understanding their available options and helped them select the right options for their needs as well as pre-qualify, educate and counsel prospects for homeownership.
- Collaborated with mortgage unit to plan, develop and implement campaigns, post-hurricane initiatives, loss mitigation, streamline processes and servicing.
- Contact existing and new customers to discover their financial needs both purchases and refinances.
- Identify prospective customers through branch referrals and mortgage partners and by following existing clients' leads.
Retail Administration Officer
Scotiabank
01.2008 - 01.2009
- Contributed to overall business objectives of the retail administration department along with supported sales staff in the servicing of their customers.
- Interacted with other teams members in a manner that is human, respectful and knowledgeable.
- Created relationships of mutual trust and confidence with customers, service providers and other employees.
- Managed, coached and guided team to achieve excellence in all standards and to realize their potential.
Home Financing Specialist
Scotiabank
01.2000 - 01.2008
- Provided applicants with information regarding the loan application process.
- Engaged in marketing, promotion and business development activities in support of sales.
- Educated customers on best financing solutions as well as manage a large pipeline of loans.
Education
Licensed Mortgage Loan Originator
NMLS
10.2010
Bachelor - Business Administration
Pace University
New York, NY01.1993
Skills
- Customer Service Focused
- Written & Verbal Communication
- Analytical thinking
- Time Management
- Team Player
- Problem Solving
- Detail Oriented
- Relationship Management
- Presentations and public speaking
- Active listening
- Encompass Literate
- Task prioritization
Accomplishments
- Key Achievements:
- 2018 Best of the Best Recipient (Mortgage Unit)
- 1998 Best of the Best Recipient (Branch)
Community Service
- Ten Sleepless Knights, Inc. 501 (c) (3), Cultural Committee, Secure funding via various grant and sponsorship opportunities, Correspondent Secretary and Financial Committee Member
- St. Croix Classes of the 80s, Inc. 501 (c) (3), Board Member
- VI Housing Finance Authority, Homebuyer Education Program Presenter
References
References available upon request
Timeline
Advisor, Retail Banking
Oriental Bank
01.2020 - Current
Retail Administration Officer
Scotiabank
01.2008 - 01.2009
Licensed Home Financing Specialist
Scotiabank
09.2000 - 12.2019
Home Financing Specialist
Scotiabank
01.2000 - 01.2008
Licensed Mortgage Loan Originator
NMLS
Bachelor - Business Administration
Pace University