Ralph Osorio

751 So. Corrida Drive

Covina, Ca 91724
(310) 270-3937
ro4fc650@westpost.net

May 25, 2010

Dear Sales Manager,
This letter is to express my interest in bringing my years of expertise in the F
inancial Banking Home Loan Industry / Consulting Sales.
As my enclosed resume indicates, my background includes more than sixteen years
of service with significant experience and qualifications in:
* Residential Lending Sales, with an extensive background in Jumbo,
Super Jumbo, Conforming, Condos, First-Time Home
Buyers,FHA,Home Equity Loans, Lot and Construction Financing Loans
* Private Banking / High-end clientele
* Strong knowledge of conventional and governmental guidelines,
underwriting, processing, and closing procedures.
* Exceptional customer service
* Highly organized and self-motivated
* I am Ethical, Professional and detailed in all my work
My broad background makes me an excellent candidate for a position in your compa
ny as I am confident that I could provide value to you and your customers as a m
ember of your team. I look forward to hearing from you to arrange an interview.
I can be reached anytime via my cell phone, 310-270-3937.
Thank you for your consideration.
Respectfully,

Ralph Osorio

Ralph Osorio
751 So. Corrida Drive
Covina, Ca 91724
Cellular 310-270-3937
ro4fc650@westpost.net

OBJECTIVES

Senior Loan Officer with over 16 years experience in the Home Mortgage Lending
Industry / Sales.Seeking a company that continues to show and demonstrates a str
ong Growth in Today's market and demonstrates a commitment to professional ethic
s.
PROFESSIONAL PROFILE
* Demonstrated ability to assume responsible roles and perform in highly visible
position, work in high stress environments to beat deadlines and produce effect
ive results.
* Excellent oral and written communications with a proven ability to develop and
maintain sound business relationships.
* Motivated and enthusiastic self-starter, effective team player and independent
employee.
* Service the credit and financial needs of existing and new client while mainta
ining a positive relationship to grow future business.
* Work with branch and processing staff to ensure premier customer service to hi
gh-net worth clients.
PROFESSIONAL WORK EXPERIENCE
City National Bank - LA & Beverly Hills, CA
9/08 - 5/09
VP Residential Lending Officer
Cultivate relationships with branches and processing staff to ensure premier cus
tomer service to high-net worth clients in the Private Client Division. Intervie
w prospective borrowers, analyze financial and credit data, and complete loan ap
plication.
Wells Fargo Home Mortgage - Beverly Hills, CA
9/07 - 4/08
Home Mortgage Consultant
Build key relationships with client in the sale of residential mortgage products
with extensive experience in all aspects of mortgage originations. Effectively
execute credit report analysis, title examination, and income/asset documents to
ensure compliance with lenders' programs and approval guidelines.

PROFESSIONAL WORK EXPERIENCE - CONTINUATION

Washington Mutual Home Loans - Beverly Hills, CA
3/03 - 8/07
Senior Loan Consultant / Construction Loan Consultant
Develop strong business relationships and generate leads from multiple sources i
ncluding corporate accounts, local Realtor, Brokers, Builders, personal referral
s, cold calling and bank inquires. Organize and coordinate loan files in advanc
ement of loan processing and underwriting. Maintain awareness of changing regula
tory guidelines. Work inside Bank Branches. Member of Beverly Hills Chamber of C
ommerce.
Wells Fargo Home Mortgage - San Marino, CA
2/00 - 3/03
Senior Mortgage Consultant
Interview prospective clients, evaluate, analyze financial and credit data, comp
lete loan applications and monitor client files through the funding process, cro
ss-sell bank
products. Build a business network with Realtors, Brokers, Builders, and Title O
fficers.
Meet and surpass production goals.
Washington Mutual Bank previous G.W. Bank - Pasadena
2/93 - 1/00
Senior Loan Consultant
Develop and maintain strong business relationships and network with the Real Est
ate Community. Participate in business related development opportunities, commun
ity
efforts to promote home ownership. Solicit new residential mortgage business and
sell mortgage products to meet established loan quality and production goals. W
ork inside Bank Branches. Maintain heavy pipeline and deliver exceptional custom
er service.
The Nadel Partnership Inc., Architecture-Planning-Interiors
1/90 - 12/92
Intern Architect/Designer
Design and complete working architectural drawings for shopping Malls, Food Mark
ets, Edward Theaters, Commercial and Mid-rise Buildings.
EDUCATION
Southern California Institute of Architecture 1987
Los Angeles, Ca Bachelor of Architecture 5 year program
California State Polytechnic University of Pomona
Pomona, Ca
Architecture in Urban Design/Business
AFFILIATION
Member of Beverly Hills Country Club