Mortgage Banker Resume Example Citizens Financial Group/Citizens Bank

MORTGAGE BANKER

Professional Profile

Financial management professional with extensive experience in systems and business processes; Progressive and diversified experience in work flow processes; Analyzing and compiling data; Complex problem resolution; Technical troubleshooting; Detail Oriented; Developing and maintaining key strategic relationships. Proven ability to manage and facilitate complex projects and solve multifaceted business problems in a fast paced deadline-oriented environment.

Qualifications

Detail-oriented
Excellent communication skills
Complex problem solving
Managing multiple priorities
Critical thinking
Troubleshooting proficiency

Implementing new business systems
Contracts
Loan operations
Microsoft Office Suite

Relevant Experience

Processed 8 loan applications per month for 3 months in a row. Created strategies to develop and expand existing customer sales, resulting in a 1.5% increase in cross sell ratio.

Experience

Mortgage Banker03/2013 － CurrentCitizens Financial Group/Citizens BankProvidence, RI

Increased Sales 4.4M by sending regular correspondence to our sphere of influence
Created checklist of documents needed to submit the loan file to quality control increasing the pass rate to 95% resulting in the file moving faster through the loan process and providing the borrower with an exceptional loan experience
Work with borrowers from pre approval to closing creating a relationship with the borrower as a future referral source while maintaining compliance with RESPA, TILA, ECOA, Fair Lending, SAFE, GLBA, and the Patriot Act
Analyze supporting loan documents, including but not limited to Complex Tax Returns and financial statements ensuring the documents meet underwriting guidelines

Office Manager/Paralegal01/2008 － 08/2012Jonathan Stone ESQ CPA MSTHackettstown, NJ

Answered user inquiries regarding computer software and hardware operation.
Set up equipment for employee use.
Conducted computer diagnostics to investigate and resolve problems and provide technical assistance and support.
Established requirements for new systems and modifications.
Developed training materials and procedures.
Oversaw local IT infrastructure including servers, security, networking, storage systems and desktops.
Led team of 4+ and Attorney resulting in doubling sales from $200K to $600K by analyzing work flow process to eliminate overlapping job duties
Drove business by monitoring Key Performance Indicators ("KPI")
Cultivated vendor, client, paralegal and attorney relationships increasing turn times for response for real estate contracts, bankruptcy confirmations and negotiation.
Customized BK Express Software to integrate with Time Matters, tested software, trained staff and supported software further streamlining the work flow
Completed professional Certificate in Paralegal Studies to better understand the role of the paralegal
Handled personnel issues including but not limited to payroll, disciplinary action and performance appraisals

Loan Officer05/2005 － 12/2007First Capital Mortgage/Globe Mortgage AmericaFlemington, NJ

Founded Business Networking International ("BNI") Group creating a sphere of influence resulting in consistent referrals and closed loans
Analyze supporting loan documents, including but not limited to Complex Tax Returns and financial statements ensuring the documents meet underwriting guidelines

Customer Service Representative09/2003 － 05/2005Advantage Bank (now Sun National Bank)Branchburg, NJ

Led team of 6+ during absence of Branch Manager
Assist with errors and outages when balancing the branch
Review customer relationships ensuring products and services meet their needs

Information Technology Officer01/2000 － 09/2002MASSBANK For Savings (now Eastern Bank)Reading, MA

Provided network, software and hardware support to 20 branches and departments
Answered user inquiries regarding computer software and hardware operation.
Set up equipment for employee use.
Installed and performed repairs to hardware, software and peripheral equipment, following design and installation specifications.
Conducted computer diagnostics to investigate and resolveproblems and provide technical assistance and support.
Performed second-level support for all workstation and server class systems.
Researched new trends and technologies leading to testing and justification for deployment.
Identifying IT security and risk researching solutions and proposing solution to Technology Committee minimizing exposure to the Bank
Develop and implement Information Security Policy and IT Action Plan ensuring compliance with Internet safety and usage
Develop working relationships with vendors keeping communication open resulting in excellent service

Financial Services Operations Officer07/1998 － 12/2000MASSBANK For Savings (now Eastern Bank)Reading , MA

Led team of 3+ which resulted in improved work flow processes
Assistant to Senior VP of Community Banking with branch communications, scheduling meetings and preparing reports
Assist Technology Officer with server and workstation upgrades n anticipation of computer conversion which resulted in promotion to Information Technology Officer
Test computer equipment and teller software for functionality for Y2K; Member of the Y2K Committee

Branch Manager/Bank Officer06/1987 － 06/1998MASSBANK For Savings (now Eastern Bank)Reading, MA

Led team of 12 + to use customer greeting technics which increased customer satisfaction ratings
Researched banking guidelines and statutory requirements to stay updated on new laws and applications.
Conduct internal audits to ensure team compliance with Standard Operating Procedures (“SOP”) which resulted in reduced risk to the Bank
Analyze branch deposits and projected branch deposit goals each year for bank branch of 80M
Reduce the number of teller posting errors by 98% in three months using consistent follow up
Led team of 4+ to increase branch cross sell ratio to 1.5% resulting in increased branch sales and customer relationships
Helped customers with consumer loan applications, reviewed consumer credit reports for creditworthiness and recommended loan approval or denial to loan committee
Member of the Standard Operating Procedure Committee (“SOP”) review and update existing procedures as well as developing new procedures as needed
Participate in customizing and testing teller software providing an opportunity to assist bank employees with software questions and problems

Education

Bachelor's:Thomas Edison State College - Business Administration

Certificate of Paralegal Studies:Thomas Edison State College - Professional

Affiliations

Participant, American Diabetes Association

Certifications

Certified M.C.S.E. Windows NT

Professional Certificate of Paralegal Studies

Skills

Microsoft Software: Excel, Word, PowerPoint, Access, Outlook
Data Reporting Software: Crystal Reports, Alpha 5
Legal Software: ECF, PacerAllstate, BK Express
Customer Relationship Software: Loyalty Express, Time Matters, ACT
Loan Software: Empower, Caylx

Resume Overview

Companies Worked For:

Citizens Financial Group/Citizens Bank
Jonathan Stone ESQ CPA MST
First Capital Mortgage/Globe Mortgage America
Advantage Bank (now Sun National Bank)
MASSBANK For Savings (now Eastern Bank)

School Attended

Thomas Edison State College

Job Titles Held:

Mortgage Banker
Office Manager/Paralegal
Loan Officer
Customer Service Representative
Information Technology Officer
Financial Services Operations Officer
Branch Manager/Bank Officer

Degrees

Bachelor's : Thomas Edison State College - Business Administration
Certificate of Paralegal Studies : Thomas Edison State College - Professional

Mortgage Banker Resume Example

Resume Score: 90%

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