Organized Mortgage Loan Officer, who effectively identifies and resolves complex financial issues.Thrives in fast-paced and ever-changing business environments.
Graduated from Central Community College, Seattle, WA.
Served In Desert Storm (4 years in the US Army and 4 years in the Reserves).
Volunteered as a CNA upon return for nursing homes.
Studied finance, insurance and opened own mortgage brokerage.
Implemented several strategies that successfully increased sales and improved client retention rates.
Described use and operation of merchandise to customers. Shared product knowledge with customers while making personal recommendations. Demonstrated that customers come first by serving them with a sense of urgency. Worked as a team member to provide the highest level of service to customers. Maintained friendly and professional customer interactions.
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. Effectively managed employees and support staff. Executed the loan origination process, including ordering credit reports, appraisals and preliminary title reports. Researched insurance information and flood certificates. Pre-Underwrote every file before submission for a timely closing.
Adhered to all federal and state compliance guidelines relative to retail mortgage lending. 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. Provided expert financial advice on mortgage and both educational and personal loans.
VOLUNTEER: Junior Achievement, CNA, Desert Storm, Youth Soccer, Fred Hutchison Cancer Research etc.
For references, please do not hesitate to contact me.
For gap of employment, please contact me as well.
Joseph K Watson Jr.
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