Sr. Mortgage Banker Resume Example Liberty Financial A Division Of ETFCU

SR. MORTGAGE BANKER

Professional Summary

Proven Mortgage Loan Officer with 16 years of experience in Residential Mortgage Loans. Extensive product guideline knowledge and success in client education. Consistent top producer. Adept at garnering as well as maintaining relationships with referral partners and following financial regulations.

Skills

Mortgage loan expert
Credit unions
Financial analysis aptitude
Practiced at FHA loan process
Financial transactions expertise
Deep knowledge of bankruptcy processes

Project Management
Organization and Time management
MS Office
Responsible
Leadership

Work History

Sr. Mortgage Banker10/2014 to 10/2020
Liberty Financial A Division Of ETFCU – Louisville, KY

Successfully closed average of 9 loans per month.
Successfully closed average of 1.7 Million loan volume per month.
Originated all loans without leads. All business has been 100% self generated
Fielded customer complaints and provided solutions.
Explained different types of loans pertaining to client situations.
Worked with underwriters to fix application problems and resolve issues.
Reviewed loan filesand updated to match current standards.
Originated, reviewed, processed, closed and administered customer loan proposals.
Assisted senior-level credit officers with complex loan applications.
Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
Developed prospects for new loans by networking with professionals in related fields in order to garner referral business effectively
Developed and maintained relationships with local real estate agents.
Recommended loan approvals and denials based on customer loan application reviews.
Developed and implemented performance improvement strategies and plans to promote continuous improvement.

General Manager05/2011 to 08/2014
Riverbend Food Mart – Taylorsville , KY

Managed budget implementations, employee reviews, training, schedules and contract negotiations.
Reduced corporate risk by managing shrink processes and controlling inventory levels.
Increased revenue streams by reducing costs, managing schedules and performing variance and risk analysis to implement corrective actions.
Increased inside sales by $3,500 per day by establishing goals, overseeing performance and engaging the community where the business is located.
Developed effective business plans to align strategic decisions with long-term objectives.
Improved brand awareness by monitoring all marketing campaigns and fostering membership acquisitions and business development.
Supported regulatory compliance by overseeing all audits to verify protocol adherence.
Received superior customer service satisfaction scores for 7 consecutive quarters.
Set, enforced and optimized internal policies to maintain efficiency and responsiveness to demands.
Directed successful turnaround, eliminating over $160,000 in debt within 24 months.
Organized budgets, oversaw P&Ls and achieved margin targets consistently to stay on track with growth plans.
Launched new POS business software system, resulting in 87% decrease in shrinkage.
Developed value-added solutions and approaches by leveraging trends in customer marketplaces.
Delivered business strategy and developed systems and procedures to improve operational quality and team efficiency
Applied performance data to evaluate and improve operations, target current business conditions and forecast needs.
Drove year-over-year business growth while leading operations, strategic vision and long-range planning.
Developed and maintained relationships with new customers and suppliers through continual communication and maintaining a high level of integrity.
Utilized "out-of-the-box" tactics to secure new customers with zero cost by giving strong incentive to local police, politicians, first responders, clergy workers, and city workers to come to our place of business.
Boosted productivity by consolidating material planning, data collecting, payroll and accounting programs into one main system.

Horse Trainer06/2009 to 03/2013
Whispering Oaks Farm – Taylorsville , KY

I took this position to help a family member who had no one else to help. I taught myself in less than six months to effectively do this job and hep turn the business from being deep in debt to consistent quarterly profits in less than one year.
I believe that this while this is an odd change in career path, it shows my versatility as well as determination to succeed regardless of environment or circumstances.
Acclimated every animal to feel of different harnesses and equipment by steadily increasing touches and overall use.
Conferred with owners about methods for continuing training and reinforcing methods taught in classes.
Tracked metrics such as overall health, behaviors and diet to isolate and address concerns.
Assessed animals and consulted with owners about suitability for desired use based on temperament, age and other factors.
Maintained clean, neat and hazard-free animal areas to protect individual health and wellbeing.
Accustomed animals to training team members and established processes with strategic contact and firm but soothing tones.
Directed natural horsemanship training program helping many animals improve behaviors and meet owner targets.
Advised students on standard riding gear, including different types and degrees of quality, proper use and basic care and maintenance.
Rode horses each 3 times per week, emphasizing gate or timed work to develop skills and compliance of individual animals.
Took horses to training sessions and provided basic care, including saddling up, grooming, exercising and travelling.
Scheduled farrier and vet appointments regularly.
Directed other horse trainers and stable hands to complete training and maintenance tasks requested by owners or needing urgent attention.
Fit gear for horses and specific riders.
Treatment minor horse injuries.
Coached and trained students in basic care and maintenance of horses and stables in addition to riding technique, form and ability.
Instructed students in horsemanship and specific riding skills in both English and Western riding styles.
Maintained animal health records, treating minor injuries and reporting serious injuries to owners for consultation with veterinarians.
Prepared horses for specific competitions or tasks.
Inspected, prepared, cleaned, disinfected and maintained comfortable horse stable and enclosures.
Worked with ranch hands to clean stables and riding areas.
Managed feeding, rugging and general stable procedures, communicating issues or significant maintenance requirements to management when necessary.
Cued or signaled animals during performances.

Mortgage Banker02/2007 to 04/2011
First Liberty Financial Mortgage – Louisville, KY

Closed an average of 6 transactions per month with loan volume typically over 1 million.
Produced and executed loan packages.
Evaluated client financial positions and identified most appropriate banking products.
Located and pre-qualified customers for mortgages.
Networked with realtors and current clients to generate referrals.
Achieved record-low delinquency ratios.
Explained different types of loans pertaining to client situations.
Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
Developed prospects for new loans by conducting 600 cold calls weekly.
Assisted senior-level credit officers with complex loan applications.
Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
Created strategies to develop and expand existing customer sales, which resulted in 64% increase in annual sales.
Successfully closed average of 6 loans per month.
Recommended loan approvals and denials based on customer loan application reviews.
Developed and maintained relationships with local real estate agents.
Originated, reviewed, processed, closed and administered customer loan proposals.

Education

High School Diploma06/2001Bullitt East High School- Mount Washington, KY

Resume Overview

Companies Worked For:

Liberty Financial A Division Of ETFCU
Riverbend Food Mart
Whispering Oaks Farm
First Liberty Financial Mortgage

School Attended

Bullitt East High School

Job Titles Held:

Sr. Mortgage Banker
General Manager
Horse Trainer
Mortgage Banker

Degrees

High School Diploma 06/2001

Sr. Mortgage Banker Resume Example

Resume Score: 80%

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