Evaluate, authorize, or recommend approval of commercial, real estate, or credit loans. Advise borrowers on financial status and payment methods. Includes mortgage loan officers and agents, collection analysts, loan servicing officers, and loan underwriters.
Highlight the qualities that the job requires. Acts as an intermediary between applicants seeking mortgage or commercial loan and the lender who extends this monetary credit.
01/2004 to 03/2010
Consultan for the Federal Goverment Topline Technologies and mortgageINC £* Richond, VA We Worked in the mortgage company until the housing market crashed.
The owner of the company then transitioned to consulting with the Federal Government.Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
Meet with applicants to obtain information for loan applications and to answer questions about the processAnalyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
Review and update credit and loan files.
Review loan agreements to ensure that they are complete and accurate according to policy.
Compute payment schedules.
Stay abreast of new types of loans and other financial services and products in order to better meet customers' needs.
Submit applications to credit analysts for verification and recommendation.
Handle customer complaints and take appropriate action to resolve them.
Work with clients to identify their financial goals and to find ways of reaching those goals.
Confer with underwriters to aid in resolving mortgage application problems.
Negotiate payment arrangements with customers who have delinquent loans.
02/1999 to 03/2004
General ManagerAunt Sarah's Pancake House £ － Richmond, VA
Establishes restaurant business plan by surveying restaurant demand; conferring with people in the community; identifying and evaluating competitors; preparing financial, marketing, and sales projections, analyses, and estimates.Meets restaurant financial objectives by developing financing; establishing banking relationships; preparing strategic and annual forecasts and budgets; analyzing variances; initiating corrective actions; establishing and monitoring financial controls; developing and implementing strategies to increase average meal checks.Attracts patrons by developing and implementing marketing, advertising, public and community relations programs; evaluating program results; identifying and tracking changing demands.Controls purchases and inventory by meeting with account manager; negotiating prices and contracts; developing preferred supplier lists; reviewing and evaluating usage reports; analyzing variances; taking corrective actions.Maintains operations by preparing policies and standard operating procedures; implementing production, productivity, quality, and patron-service standards; determining and implementing system improvements.Maintains patron satisfaction by monitoring, evaluating, and auditing food, beverage, and service offerings; initiating improvements; building relationships with preferred patrons.Accomplishes restaurant and bar human resource objectives by recruiting, selecting, orienting, training, assigning, scheduling, coaching, counseling, and disciplining management staff; communicating job expectations; planning, monitoring, appraising, and reviewing job contributions; planning and reviewing compensation actions; enforcing policies and procedures.Maintains safe, secure, and healthy facility environment by establishing, following, and enforcing sanitation standards and procedures; complying with health and legal regulations; maintaining security systems.
Maintains professional and technical knowledge by tracking emerging trends in the restaurant industry; attending educational workshops; reviewing professional publications; establishing personal networks; benchmarking state-of-the-art practices; participating in professional societies.
Accomplishes company goals by accepting ownership for accomplishing new and different requests; exploring opportunities to add value to job accomplishments.
02/1979 to 04/1999
Owner D&C Pizza £* Morrisville, VA Performed a variety of restaurant duties such as hiring and firing staff, bookkeeping, cooking, waiting tables, and addressing customer complaints.
Additionally, knowledge of the restaurant industry and business practices is beneficial.
Starting out as part of the kitchen staff, waiting tables and being a counter attendant.
Education and Training
High School DiplomaBusiness James Madison High school － Virginia, US
Bachelor of Arts: Business AdministrationTrinity University － LA, USBusiness Administration