, , 609 Johnson Ave., 49204, Tulsa, OK100 Montgomery St. 10th Floor
Home: (555) 432-1000
Cell:
resumesample@example.com
Summary
Accomplished Loan Officer able to consistently achieve sales goals while offering the utmost care in client and agent relations.
Skills
Excellent written and verbal communication
Strong critical and creative thinking skills, problem solver
Time management and self motivator
Teamwork and collaboration
The utmost in customer service for borrowers and agents
Proficient and quick learner with computer and systems
Credit building and repair
Knowledgeable of Conventional, VA, FHA and USDA loan processes and investor guidelines
Familiar with CIC, Equifax, Factual Data, CoreLogic, EGS and Xactus credit reports
Have worked with Ellie Mae Encompass, Empower LOS, Calyx Point, Wholesale Lenders systems and Blend software
Familiar with Home in Five, Home Ready Down Payment Assistance loan programs and Chenoa Fund
Experience
Loan Officer, 08/2022 to 09/2022 Glacier Bancorp – Draper, UT,
Responsible for sourcing and maintaining relationships with Realtors, builders and community to earn business
Collect and analyze applicants credit report, income and financial documentation to determine feasibility of granting loan
Conduct initial pre-qualification. The information collected during this discovery phase is used to educate borrowers on loan programs that they qualify for as well as meets their needs.
Provide all state and federal required discloser's to clients in a timely manner to remain in compliance
Perform daily maintenance of loan database such as following up on leads, locking interest rates, completing pre-qualification letters and/or LSU's for buyer agents, updating borrowers, processors and underwriters with pertinent information, attending weekly branch meetings, work closely with all departments to maintain smooth and on-time closings on all file
Loan Officer, 02/2022 to 06/2022 Glacier Bancorp – Edmonds, WA,
Educate and pre-qualify potential customers on selecting from a variety of loan products that meet their needs and qualifications.
Execute loan origination process and review credit reports, income and assets documentation to ensure a solid deal.
Perform daily pipeline and file reviews to maintain on-time closings
Determine appropriate rate locks, issuance of disclosures.
Adhere to federal and state compliance guidelines relative to retail mortgage lending.
Identify valuable solutions for customers with credit problems.
Keep the borrower, agents and internal staff informed of any updates during the process
Ensure files are moving through the pipe in a timely manner and third party items are requested promptly to make for a smooth closing which helps maintain and promote healthy trusting relationships with clients as wells as referral partners.
Loan Officer, 03/2021 to 07/2021 Glacier Bancorp – Flagstaff, AZ,
Contact, follow up and build rapport with company provided leads and Homie agents in a timely manner
Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
Executed loan origination process, including ordering credit reports, appraisals and preliminary title reports.
Educated customers on variety of loan products and available credit options to promote valuable decision-making.
Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers.
Perform loan origination and processing aspects on all files
Adhered to all federal and state compliance guidelines relative to retail mortgage lending.
Performed daily maintenance of loan applicant database.
Loan Officer, 08/2020 to 01/2021 Consumers Credit Union – Schaumburg, IL,
Work closely with the builder sales agents. Build rapport and trust with them to ensure the they continue to use Inspire Home Loans as the preferred lender
Contact and follow up on all builder leads to initiate loan application. Inform sales agent on buyers qualification so Purchase Contract can be executed by all parties for new build
Educate customers on variety of loan products and available credit options to promote valuable decision-making
Execute loan origination process including ordering credit reports, pre-qualifying borrowers and sending initial loan disclosures
Analyze applicants' financial statements, credit report and income documentation to ensure they fully qualify
Perform daily maintenance of loan applicant database such as locking interest rate, insuring appraisals are ordered in a timely manner and monitoring loans all the way through to closing
Maintain high customer service, quality control and capture rate scores to ensure receipt of monthly bonuses
Adhere to all federal and state compliance guidelines relative to mortgage lending.
Visit the sales office and compose weekly pipeline meeting with builder reps
Loan Officer, 09/2015 to 05/2020 Consumers Credit Union – Grand Rapids, MI,
Pre-qualify and originate FHA, FNMA, FHLMC, VA and USDA loan applications based on the borrowers needs, credit profile and loan program guidelines
Request and review initial supporting documentation for accuracy and to obtain credit loan approval from underwriting
Disclose initial loan disclosures required by law to borrower for signatures
Maintain high capture rate, customer service and QC scores
Spend time at builder communities earning business and building rapport with Sales Agents
Provide excellent customer service to borrowers, agents and all internal departments.
Keep all parties updated on the status of the file
Work closely with processing and underwriting to ensure complete files and timely closings
Work with borrower on securing and locking in their interest rate
Daily Pipeline Management (loan application to funding process)
Meet high Quality Control standards and comply with all QC policies
Attend production/staff meetings
Assist in resolving post-closing/funding problems
Education and Training
AZ MLO License: Mortgage Loan Origination, Expected in 07/2014 Arizona School of Real Estate & Business - Peoria, AZ, GPA:
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