Mortgage Loan Officer Resume Example
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MORTGAGE LOAN OFFICER
Summary
Knowledgeable and innovative finance, sales and marketing professional whose success is based on integrity, exceptional customer service, efficiency and ambition. Self-motivated professional highly proficient in developing creative solutions and implementing objective decision making. Maintains positive attitude and works hard to build team relationships.
Highlights
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Experience
Mortgage Loan Officer
May 2014 to August 2015Redfin - Richmond , VA
May 2014 to August 2015Redfin - Richmond , VA
- Mortgage Loan Banker producing complex loan applications.
- Adhered to all federal and state compliance guidelines relative to retail mortgage lending.
- Interviewed an average of 15 Performed daily maintenance of the loan applicant database.
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
- Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers.
- Educated customers on the variety of loan products and available credit options.
- Created financial analysis reports of commercial real estate, borrowers' financial statements, lease reviews and market research.
- Executed the loan origination process, including ordering credit reports, appraisals and preliminary title reports.
- Provided expert financial advice on mortgage and both educational and personal loans.
- Built knowledge about latest banking products and services through 8 mortgage loan applicants per month.
Mortgage Banker
February 2012 to March 2014Bank Of The West - Petaluma , CA
February 2012 to March 2014Bank Of The West - Petaluma , CA
- Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
- Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
- Meet with applicants to obtain information for loan applications and to answer questions about the process.
- Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
- Review loan agreements to ensure that they are complete and accurate according to policy.
- Handle customer complaints and take appropriate action to resolve them.
- Stay abreast of new types of loans and other financial services and products to better meet customers' needs.
- Confer with underwriters to aid in resolving mortgage application problems.
- Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
- Meet with applicants to obtain information for loan applications and to answer questions about the process.
- Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
Small-Business Specialist
August 2010 to March 2014Bankunited Financial Corporation - Hollywood , FL
August 2010 to March 2014Bankunited Financial Corporation - Hollywood , FL
- Establish and maintain relationships with individual or business customers or provide assistance with problems these customers may encounter.
- Examine, evaluate, or process loan applications.
- Network within communities to find and attract new business.
- Opening consumer and business accounts ensuring the right account with convenience.
- Credibility with customers and consistent in discovering new prospects and opportunities.
- Provide additional products and service recommendations to clients and partnering with lending and financial advisor specialists; holding a Series 6 and Life & Health license.
License Personal Banker
May2007 to August 2010JPMorgan Chase Bank - City , STATE
May2007 to August 2010JPMorgan Chase Bank - City , STATE
- Establish and maintain relationships with individual or business customers or provide assistance with problems these customers may encounter.
- Oversee the flow of cash or financial instruments.
- Network within communities to find and attract new business relationship.
- Prepare operational or risk reports for management analysis.
- Cash checks and pay out money after verifying that signatures are correct, that written and numerical amounts agree, and that accounts have sufficient funds.
- Receive checks and cash for deposit, verify amounts, and check accuracy of deposit slips.
- Enter customers' transactions into computers to record transactions and issue computer-generated receipts.
- Balance currency, coin, and checks in cash drawers at ends of shifts, and calculate daily transactions using computers, calculators, or adding machines.
- Examine checks for endorsements and to verify other information such as dates, bank names, identification of the persons receiving payments and the legality of the documents.
- Order a supply of cash to meet daily needs.
- Carry out special services for customers, such as ordering bank cards and checks.
- Process transactions such as term deposits, retirement savings plan contributions, automated teller transactions, night deposits, and mail deposits.
Education
High School Diploma : May 1997
Completed coursework towards Psychology, Mar : 2003Fairfield Senior High School - City, State
Skills
adding machines, Balance, banking, calculators, credit, clients, database, financial, financial advisor, financial analysis, financial statements, funds, loan origination, market research, mail, money, mortgage lending, Mortgage Loan, Network, producing, Psychology, real estate, receiving, retail, written
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Resume Overview
School Attended
- Fairfield Senior High School
Job Titles Held:
- Mortgage Loan Officer
- Mortgage Banker
- Small-Business Specialist
- License Personal Banker
Degrees
- High School Diploma : May 1997
Completed coursework towards Psychology, Mar : 2003
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