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Senior Forward/Reverse Mortgage Loan Officer Resume Example

Resume Score: 80%

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OMAR
RESTREPO
Professional Summary

Intuitive, Analytical, problem solver, creative Mortgage Loan Officer with extensive knowledge of originating all types of loans and modern mortgaging in combination with Down Payment Assistance Programs . Committed to accurate and thorough work to financially benefit all parties. Successful at finding efficient plans and money allocation from DPA's

15 year background in consumer financing, loan administration, default management and customer service. Excellent analytical and communication skills, mathematical accuracy and following financial regulations with commitment to financial success and helping clients. Offers vast knowledge of banking regulations and compliance procedures. Dedicated to maintaining professionalism and integrity. Multi-talented consistently rewarded for success in planning and operational improvements. Experience in policy development and staff management procedures positively impacting overall morale and productivity. Excellent reputation for resolving problems, improving customer satisfaction, and driving overall operational improvements. Consistently saved costs while increasing profits.

Skills
  • Reverse Mortgage loan expert
  • Practiced at FHA loan process
  • Project organization
  • Relationship development
  • Proficient in Office Windows, Words, Encompass, Counselor Max, Reverse Vision, etc
  • Problem resolution
  • Supervision
  • Team management
Education
Los Angeles Valley CollegeVan Nays, CA1989BBA: Financial Services Marketing Operations
California State University - Los AngelesLos Angeles, CA1992MBA: Sales And Marketing Education
Gold Coast Real Estate North Miami, FLMortgage Loan Ordination 362690: Mortgage Loan Originator
Gold Coast School North Miami, FLReal Estate Sales Associate 3066104: Real Estate Sales Associate
Neighbor Works America Manchester, WAReverse Mortgage Counselor: Reverse Mortgage
Work History
PRMI Primary Residential Mortgage, Inc- Senior Forward/Reverse Mortgage Loan Officer
Miami Gardens, FL07/2017 - Current
  • Created strategies to develop and expand existing customer sales, which resulted in increase in annual sales.
  • Commitment in meeting critical dates in the underwriting process.
  • Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act. etc,.
  • Developed and maintained relationships with local real estate agents, helping them to create strategies to maintain relationship with not ready mortgage clients. Help agents to co-brokerage listed properties for financing purposes.
  • Originated, reviewed, processed, closed and administered customer loan proposals.
  • Devoted special emphasis to punctuality and follow up to maintain outstanding attendance record that reflects in more potential clients referrals.
  • Managed quality assurance program, including on-site evaluations, internal audits and customer surveys.
  • Resolved conflicts and negotiated mutually beneficial agreements between parties in a real estate transaction.
  • Resolved adherence problems, improved operations and provided exceptional client support.
  • Handled customer calls to address customer inquiries and concerns.
  • Handled calls to address customer inquiries and concerns.
  • Developed prospects for new loans by conducting cold calls weekly.
NID National Investment Division - HUD Certified Reverse Mortgage Counselor
Miami Gardens, FL07/2017 - 09/2020

Developed program from scratch

Developed and implemented logistics, written polices regarding federal level of poverty and fee charged, also, developed counseling script to cover all elements during counseling session to comply with program guidelines and requirements.

Developed marketing strategy resulting in referrals from all over the Country including PR, Hawaii and Swam.

As HUD Certified RM Counselor, issues RM Certification to allow RM Process to move forward.

Based on Lender's Proposal and their own personal circumstances, key features of loan are explained as well as how reverse mortgage works, impact in social services and taxes, benefits and responsibilities to suit them with tolls to make an informed decision at the end of the day weather this program is beneficial to them or not.

Provide potential borrowers with tools to explore in case they need additional assistance after their certificate expire.

Maintain active case-load with periodic follow up calls to answer calls related to RM from the time the certificate is issued up until it expires of about 150 to 500 clients at times,

ERCC Expert Resource Community Center - HUD Certified Senior Housing Counselor
Miami Gardens , FL07/2013 - 09/2020
  • Support and deliver a wide variety of Housing services following and adhering to the program guideline.
  • Coordinate with local municipalities, counties , lenders and local partners to be able to deliver throughout different communities the educational workshop in English and Spanish focusing in low-moderated income families, that otherwise, wouldn't have access to homeownership.
  • Provide comprehensive affordability assessments, provide guidance and support and knowledgeable of available resources to advocate on their behalf. Evaluated credit reports to uncover problems and develop strategies for consolidating and reducing client debt.
  • Provide financial coaching set short and long term goals to chat an individualized action plan. Assessed individual client situations and made targeted recommendations for products and services to resolve specific situations.
  • Maintain accurate documentation of client's file, following program guidelines for funding continuation.
  • Represented the agency in many local and nation wide pre-foreclosure events as well as First Time Home Buyer events.

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Resume Overview

Companies Worked For:

  • PRMI Primary Residential Mortgage, Inc
  • NID National Investment Division
  • ERCC Expert Resource Community Center

School Attended

  • Los Angeles Valley College
  • California State University - Los Angeles
  • Gold Coast Real Estate
  • Gold Coast School
  • Neighbor Works America

Job Titles Held:

  • Senior Forward/Reverse Mortgage Loan Officer
  • HUD Certified Reverse Mortgage Counselor
  • HUD Certified Senior Housing Counselor

Degrees

  • BBA : Financial Services Marketing Operations
    MBA : Sales And Marketing Education
    Mortgage Loan Ordination 362690 : Mortgage Loan Originator
    Real Estate Sales Associate 3066104 : Real Estate Sales Associate
    Reverse Mortgage Counselor : Reverse Mortgage

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