Eddie Cardenas

Experience

• 

  Wells Fargo

  Jan 2008 - Jan 2011

  Personal Banker

  •Opened Consumer and Credit Accounts, Schedule appointments, and explained, promoted, and Cross-sold Products and Services.•Conducted Daily Financial Reviews for Clients and helped achieve their short and long term financial goals.•Assisted Clients with Home Equity Lines, Loan, Term Life, Auto and Insurance Applications. •Made Off-sites to various Companies and offered Products and Services.•Developed Telemarketing Strategy Plans for Short and Long Term goals.•Devoted to daily as possible to having in-depth conversations, in person and by phone, with customers. •Meet with customers at Branch and at their places of business so they can manage their financial needs at their convenience. •Building and managed lifelong customer relationships. Show less

• 

  PrimeLending, A PlainsCapital Company

  Oct 2011 - Jun 2012

  Loan Assistant

  •Assisted Clients with their documentation ran credit reports, booked appointments.•Requested Employment Verifications for Clients, Wrote Pre-Qualification Letters•Created Files for Loan Officers and updated files on a daily base.•Promoted different programs for prospect clients.•Assisted Clients in establishing credit to reach them to a Pre-Qualification Stage.•Maintained good communication and effective results within Real Estate Agents.

• 

  Schurz Communications

  Jan 2014 - Jan 2015

  Marketing Consultant

  •Meet with clients to determine business objectives •Develop sales proposals to help them meet objectives•Present creative options to meet customer needs and up-sell products •Build new client relationships and maintain existing long-term relationships •Identify prospects for all products, cold-call or set up meetings to reach new customers •Follow procedures to ensure ad is placed in newspaper correctly and within required deadlines•Negotiate contracts and ensure customer compliance •Provide exceptional customer service and follow-up Show less

• 

  Peoples Home Equity, Inc.

  Jan 2015 - Jan 2016

  Loan Officer Assistant

  •Manage and update Pipeline daily; Purchases (75%) Refinances (25%) and TBD's.•Knowledge of loan programs guidelines, such as FHA, VA, Conventional, USDA.•Open Title and Escrow, Order Payoffs and Escrow items, such as CPL, Wire Instructions,Prelim, Master Settlement Estimate Statements. •Deliver Loan Estimate and 1003 to Escrow and Title to clear all liens and judgments.•Make calls and send follow-up emails to clients to introduce myself and request documents.•Review credit to look for any disputes, lates, judgments or any derogatory items. •Order credit supplements and mortgage verifications. •Review and Calculate Income for W2, self-employed Borrowers, Corporation and S Corporation.•Calculate rental Income, search for Property Tax Bill Installments.•Review Application and check ratios, and verify of AUS or LP Findings on Encompass. •Send E-Consent to Client and Disclose Application to Clients. •Send E-Disclosures or via US Mails within compliance timeframe.•Follow-up on disclosures and request employment verifications. •Take Mini-Applications for Borrowers and input into Encompass. •Analyze client’s financial situation to put them into a program that best suits their needs.•Recommend loan programs to Loan Officers and structure loans.•Follow-up on conditions and update Loan Officer, Processor and Underwriter.•Review TBD Files, run AUS Findings and submit to Underwriters. •Send out Pre-Approval Letters to Real Estate Agents. •Calculated FHA Upfront Mortgage Insurance and VA Funding Fees.•Review each Milestone on Encompass and run Compliance review MAVENT and advise the loan officer on any failed results.•Order Appraisal through Encompass. Generate and Create 4506T Form and Order Transcripts.•Review Purchase Agreement Contracts and Request fees to Escrow Companies in California, Minnesota and Virginia.•Prepare Buyers Presentation to Clients to present an estimate of Principle, Interest Taxes, Insurance, Down Payment and Closing Cost will be. Show less

• 

  Imortgage, a division of loanDepot

  May 2016 - Feb 2017

  Production Assistant
• 

  Point Mortgage Corporation

  Feb 2017 - Jun 2019

  Loan Officer Assistant
• 

  Finance of America Mortgage LLC

  May 2019 - May 2020

  Sales Support
• 

  Cornerstone First Mortgage, LLC

  Jun 2020 - Oct 2022

  Loan Partner
• 

  PrimeLending, A PlainsCapital Company

  Sept 2022 - Sept 2023

  Associate Loan Officer

  I’m Edward 'Eddie' Cardenas, NMLS: 519576, Associate Loan Officer with PrimeLending (NMLS:13649), a national mortgage lender making the home loan process simple.The views expressed on this site are those of the individual author and do not necessarily represent those of Hilltop Holdings, PlainsCapital Corporation or its subsidiaries.primelending.com/legalEqual Housing Lender

• 

  Cornerstone First Mortgage, LLC

  Sept 2023 - now

  • Loan Officer

    Sept 2023 - now

  • Loan Officer

    Sept 2023 - Sept 2023