Organized Mortgage Loan Officer and Manager with over 29 years of experience in Mortgage Lending. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations. Currently licensed for residential lending in Ohio, Kentucky, Indiana and Tennessee with a strong desire to relocate to the Southern market of Florida.
Accomplishments
Skills
Accomplished, seasoned mortgage loan professional with over 29 years of experience in most all facets of mortgage lending.
Attention to Detail
Credit History Review
Credit File Updating
Loan Processing Coordination
Problem Solving
Application Review
Creditworthiness Determination
Verbal and Written Communication
NMLS Registration, NMLS ID: 395731.
Oral and Written Comprehension
Complex Problem Solving
Work History
06/2021 to CurrentTeam Leader/Mortgage Loan OfficerNew Penn Financial | Pembroke Pines, FL,
Worked with underwriters to fix application problems and resolve issues.
Reviewed loan files and updated to match current standards.
Explained different types of loans pertaining to client situations.
Originated, reviewed, processed, closed and administered customer loan proposals.
Developed and maintained relationships with local real estate agents.
Assisted senior-level credit officers with complex loan applications.
Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
Recommended loan approvals and denials based on customer loan application reviews.
Used coordination and planning skills to achieve results according to schedule.
04/2019 to 05/2021Branch Manager/Mortgage Loan OfficerAlaskausa Mortgage Company | Olympia, WA,
Developed prospects for new loans by conducting 8-10 cold calls weekly.
Maintained energy and enthusiasm in fast-paced environment.
Developed and maintained relationships with local real estate agents and builders.
Maintained relationships with several builders to consistently manage pipeline of new construction loans.
Worked with underwriters to fix application problems and resolve issues.
Reviewed loan files and updated to match current standards.
04/2015 to 03/2019Area Sales Manager/Senior Mortgage Loan OfficerWestern Ohio Mortgage Corp. | City, STATE,
Identified and qualified customer needs and negotiated and closed profitable projects with high success rate.
Applied customer feedback to develop process improvements and support long-term business needs.
Evaluated employees' strengths and assigned tasks based upon experience and training.
Worked with recruiting teams and human resources representatives to accomplish hiring objectives.
Worked with senior leadership in overhauling Salesforce.
Worked with senior management to develop new loan products and programs for Western Ohio Mortgage Corp.
06/2014 to 04/2015Senior Loan OfficerUnion Savings Bank | City, STATE,
Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
Recommended loan approvals and denials based on customer loan application reviews.
Submitted loan applications to underwriter for verification and recommendations.
Developed and maintained relationships with local real estate agents.
Maintained friendly and professional customer interactions.
10/2012 to 02/2014Vice President/Home Lending ManagerCitibank, N.A. | City, STATE,
Engaged employees in business processes with positive motivational techniques.
Identified and capitalized on community business opportunities with effective networking.
Enhanced branch production rates by handling staff conflicts, evaluations, hiring/termination processes, coaching employees on company protocol and payroll operations.
Recruited, interviewed, hired and trained 25-30 employees and implemented mentoring program to promote positive feedback and engagement.
Reviewed and edited loan agreements to promote efficiency and accuracy.
Generated specific candidate pool for career opportunities through strategic placement of advertisements, evaluation of applicant credentials, and conducting initial interviews and pre-screening assessments.
03/2011 to 10/2012Area Lending ManagerJPMorgan Chase Bank | City, STATE,
Trained newly hired employees to provide information regarding processes, procedures and deadlines.
Recruited, interviewed and hired new employees bringing value to lending department.
Supervised team of 12-14 mortgage loan officer's, promoting positive environment and instilling model of hard work and dedication.
Conducted weekly one-on-one meetings with employees to provide performance evaluations, resolve issues and answer questions.
02/2009 to 03/2011Senior Mortgage Loan OfficerFifth Third Bank | City, STATE,
Developed and maintained relationships with local real estate agents and builders.
Originated, reviewed, processed, closed and administered customer loan proposals.
Resolved problems, improved operations and provided exceptional service.
Closed over 130 purchase transactions in 2009 and was in the top 5% of Mortgage Loan Originators for purchase transactions at Fifth Third Bank.
Education
Expected in | General StudiesUniversity of Cincinnati Blue Ash College, Cincinnati, OHGPA:
Expected in GED | Fairfield Senior High School, Fairfield, Ohio, GPA:
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