Carlos Martínez García
Calle de la Paz, 47, 28002 Madrid, Spain
+34 912 847 563 | carlos.martinez.garcia@email.com
linkedin.com/in/carlosmartinezgarcia

PROFESSIONAL SUMMARY

Results-driven Senior Mortgage Processor/Loan Partner with extensive experience in residential mortgage lending and loan processing. Proven expertise in managing complex loan files from application through closing, ensuring compliance with federal regulations and investor guidelines. Skilled in coordinating with underwriters, appraisers, title companies, and borrowers to facilitate timely and accurate loan closings. Strong knowledge of conventional, FHA, VA, and USDA loan programs with a track record of exceeding processing targets while maintaining exceptional quality standards.

PROFESSIONAL EXPERIENCE

Senior Mortgage Processor/Loan Partner
Iberia Financial Solutions, Barcelona, Spain
March 2019 – Present

• Process 40-50 residential mortgage loan applications monthly from initial submission through final closing, maintaining a 98% on-time closing rate
• Review and verify loan documentation for completeness and accuracy, ensuring compliance with FHA, VA, USDA, and conventional lending guidelines
• Coordinate with underwriting team to address conditions and stipulations, reducing average loan processing time by 15%
• Manage relationships with appraisers, title companies, and closing agents to ensure seamless transaction flow
• Mentor and train junior processors on loan processing procedures, regulatory compliance, and best practices
• Conduct quality control reviews on loan files prior to submission to underwriting, reducing conditional approval rates by 22%
• Maintain current knowledge of secondary market requirements and investor overlays to ensure loan salability

Mortgage Loan Processor
European Mortgage Group, Valencia, Spain
June 2015 – February 2019

• Processed 30-40 mortgage loan applications per month across multiple loan products including conventional, FHA, VA, and jumbo loans
• Prepared complete loan packages for underwriting review, ensuring all required documentation met investor and regulatory standards
• Coordinated loan closings with settlement agents, attorneys, and borrowers to ensure accurate execution of loan documents
• Verified income, assets, employment, and credit information to support loan approval decisions
• Managed pipeline of loans to ensure timely progression through processing milestones and closing deadlines
• Collaborated with loan officers to provide exceptional customer service and maintain borrower communication throughout the loan process

Loan Processor Assistant
Hispania Credit Services, Madrid, Spain
August 2012 – May 2015

• Assisted senior processors with preparation and review of residential mortgage loan files
• Ordered and tracked appraisals, title work, verifications of employment, and other third-party reports
• Maintained accurate loan file documentation in compliance with quality control standards
• Communicated with borrowers to collect required documentation and provide loan status updates
• Processed initial disclosures and ensured timely delivery in accordance with TRID requirements
• Supported closing process by preparing final loan documents and coordinating with settlement agents

EDUCATION

Bachelor of Science in Finance
Universidad Autónoma de Madrid, Madrid, Spain
Graduated: May 2012

CERTIFICATIONS & TRAINING

• Certified Mortgage Processor (CMP)
• FHA/VA Loan Processing Certification
• TRID Compliance Training
• Encompass Loan Origination System Certification

PROFESSIONAL SKILLS

Mortgage Operations: Mortgage Loan Processing | Loan Underwriting | Mortgage Underwriting | Loan Documentation | Closings | Funding

Loan Products: Conventional Loans | FHA Loans | VA Loans | USDA/Government Loans | Jumbo Loans

Regulatory Knowledge: Consumer Finance Regulations | TRID Compliance | FHA Guidelines | Secondary Mortgage Market Requirements

Industry Expertise: Lending Operations | Mortgage Protection | Appraisal Coordination | Title Review | Quality Control

Technical Proficiency: Encompass | Calyx Point | DU/LP Automated Underwriting | Microsoft Office Suite

PROFESSIONAL AFFILIATIONS

• Member, Mortgage Bankers Association (MBA)
• Member, National Association of Mortgage Processors (NAMP)