Krista Espinoza
State College
Summary
Dynamic Mortgage Banking Consultant with extensive experience at First National Bank of Pennsylvania, excelling in loan assessment and effective communication. Proven track record of guiding clients through complex mortgage processes while ensuring compliance and enhancing customer satisfaction. Resourceful problem solver dedicated to fostering strong client relationships and delivering tailored financial solutions.
Overview
14
14
years of professional experience
2
2
Certifications
Work History
Mortgage Banking Consultant
First National Bank Of Pennsylvania
State College
08.2020 - 06.2025
- Guided clients through mortgage options and application processes.
- Conducted credit analyses to assess borrower repayment capacity.
- Maintained strong relationships with clients for ongoing support and service.
- Utilized mortgage software to process loans efficiently and accurately.
- Provided guidance on various types of mortgages such as FHA loans, VA loans, conventional loans.
- Ensured compliance with all federal, state and local regulations related to mortgage lending.
Home Mortgage Consultant
Wells Fargo
State College
03.2018 - 08.2020
- Assisted clients in understanding
- Communicated regularly with clients to provide updates on loan status.
- Collaborated with real estate agents to facilitate smooth transactions.
- Educated clients on credit scores and their impact on mortgage approval.
Senior Loan Officer
Citizens Bank
State College
03.2017 - 03.2018
- Collaborated with clients to understand financial needs and recommend suitable loans.
- Provided guidance on mortgage products and services to enhance customer satisfaction.
- Provided guidance to customers regarding loan products, eligibility requirements, application processes, documentation requirements.
Junior Home Mortgage Consultant
Wells Fargo
State College
05.2016 - 03.2017
- Evaluated financial documents to determine loan eligibility and risk.
- Evaluated loan applications for completeness and accuracy.
- Communicated with clients to gather required documentation and information.
- Provided exceptional customer service throughout the loan application journey.
School Nurse
State College Area School District
State College
08.2011 - 04.2016
- Assessed student health needs and provided appropriate nursing care.
- Collaborated with teachers to manage student health programs effectively.
- Administered medications and monitored student responses as required.
Education
LPN - Practical Nursing
Central Pennsylvania School of Technology
Pleasant Gap, PA06-2011
Skills
- Loan assessment
- Effective communication
- Problem solving
- Team collaboration
- Resourcefulness
Certification
NMLS
Affiliations
Volunteer Coach Special Olympics of Central Pennsylvania
Timeline
Mortgage Banking Consultant
First National Bank Of Pennsylvania
08.2020 - 06.2025
Home Mortgage Consultant
Wells Fargo
03.2018 - 08.2020
Senior Loan Officer
Citizens Bank
03.2017 - 03.2018
Junior Home Mortgage Consultant
Wells Fargo
05.2016 - 03.2017
School Nurse
State College Area School District
08.2011 - 04.2016
LPN - Practical Nursing
Central Pennsylvania School of Technology