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Professional Summary

Seasoned Sales professional with over 24 years of experience in sales and 5 years as a loan officer in the mortgage banking industry. Extensive experience as a pipefitter;  assembling and installing pipe system and hydraulic and pneumatic equipment. Continually exceeds expectations by building strong relationships and works well with people at all levels of the organization, including stakeholders, customers, and other industry professionals.


Sales Expertise

Insurance & Mortgage

Consultation & Networking

Excellent Verbal & Written Communication

Project Supervision & Planning Layouts

Reporting & Analysis
Soliciting New Business & Prospecting
Estimates & Financial Analysis
Exceptional Customer Service

Work History
Mortgage Banker, 12/2017 to Current
LeaderOne Financial Corp Lenexa, KS

-Developing and maintaining networking relationships with various industry professionals such as real estate agents and developers in order to solicit referrals.

-Attending home-buying seminars and similar events to offer mortgage services to those in the market to buy a new home, as well as performing cold calls and sending out advertisements by mail to solicit business.

-Acting as the main point of contact for clients throughout the retail mortgage process, while understanding and being in compliance all state and federal regulations.

-Assisting clients with applying for home loans and refinancing by collecting all necessary credit reports and financial information for the application, then analyzing client documentation to determine whether they qualify for the loan.

-Counseling clients on which debts to pay off to help them qualify for a loan, how much money to put down, and when it makes sense to refinance, as well as explaining in writing to the applicant if an application was denied.

-Abiding by the Federal Real Estate Settlement Procedures Act when an application is approved, providing a good-faith estimate that includes a full disclosure of fees, as well as negotiating the conditions of the loan with the client, and ensuring they understand all points.

Loan Officer, 11/2016 to 07/2017
Prime Lending Raymore, MO

-Soliciting new business by phone, calling on self-generated leads as well as those provided by outside lead sources, and developing referral networks, suggesting alternate channels, and cross-selling services to accomplish quotas.

-Interviewing applicants to determine customer needs, financial eligibility, plus feasibility of granting loans, as well as evaluating credit worthiness by developing and processing loan applications and documentation within specified limits.

-Exploring all options for each client, introducing different types of loans that best fit their needs, then determining all applicable ratios and metrics in order to set up debt payment plans if the loan is approved, as well as assisting the borrower on when to lock the rates.

-Communicating with clients to request or to provide information, and justifying approval or rejection decisions, as well as reporting to superiors on them.

-Completing loan contracts and counseling clients on policies and restrictions, going the extra mile to build trust relationships, customer loyalty, satisfaction, etc. throughout the underwriting process.

-Maintaining and updating account records, while operating in compliance with laws and regulations, adhering to lending compliance guidelines.

Mortgage Banker, 07/2017 to 12/2017
Commerce Bank Independence, MO

-Attracted new customers for the organization by attending realty meetings and home buyer seminars, as well as prospecting through phone calls, emails, and mailers.

-Assisted customers in determining the best type of mortgage for their needs as well as assisted the borrower on the best time to lock the rates.

-Developed loan applications by determining which type of loan was most likely to be approved for each client by evaluating applicant financial and personal information and documentation.

-Negotiated with the customer regarding the terms and conditions of the loan, and then submitted the finished loan package to the underwriters to review.

-Made sure that approved customers received excellent service, while ensuring that all company, state, and federal guidelines relative to retail mortgage lending were met, providing overall satisfaction to the customers and the bank.

Loan Officer, 08/2015 to 11/2016
PennyMac Loan Services Kansas City, MO

-Developed and evaluated loan applications and documentation by confirming credit worthiness, while maintaining customer confidence by keeping loan information confidential.

-Helped customers by answering questions and responding to requests, resulting in receiving a B.E.S.T. customer satisfaction rating in June of 2016.

-Improved loan applications and documentation by advising borrowers on financial status and payment methods, as well as by informing applicant of additional requirements.

-Rejected loans by explaining deficiencies to applicants, and approved loans by issuing checks or forwarding applications to loan committee.

-Completed loan contracts by explaining provisions to applicant, obtaining signatures and notarizations, and by collecting fees.

-Stayed up to date on all TRID regulations and guidelines, as well as updated job knowledge by participating in educational opportunities, reading professional publications, maintaining personal networks, and participating in professional organizations

Loan Officer, 12/2014 to 08/2015
Mortgage Lenders of America Overland Park, KS

-Monitored an existing commercial real estate loan portfolio to ensure proper risk ratings and early identification of potential problems, while ensuring adherence to all state and federal mortgage lending laws.

-Sourced, developed, and underwrote new construction, interim, as well as permanent mortgage financing requests for new and existing customers.

-Executed the loan origination process by ordering credit reports, appraisals, title insurance, and by determining appropriate rate locks, and issuing disclosures.

-Maximized bank profitability through appropriate pricing of new loan originations, fee income, and selling of all bank products and services.

-Conducted a daily review, approval, and disposition of commercial overdrafts, meeting and exceeding all Mortgage Lenders of America's monthly goals.

-Negotiated terms and structured loan financing based on risk considerations, and presented credits for approval to appropriate levels of authority with the bank as required.

-Supported the bank's mission and strong relationship banking culture through ongoing customer contact, quality customer service, and superior product knowledge.

Journeyman Pipefitter, 07/2008 to 11/2014
Pipefitters Local 533 Kansas City, MO

-Supervised project, providing reports on timeline, progress, and adjustments to job site manager, while ensuring all legal requirements, building codes, safety inspections, safety codes, city guidelines, and local as well as state regulations were met.

-Ordered, invoiced, and managed materials and equipment for steam, hot water, cooling, lubricating, and industrial production and processing systems.

-Interpreted blueprints as well as planned piping system layouts in order to assemble, configure, install, repair, and maintain pipe systems, components, pipe supports, and hydraulic and pneumatic equipment.

-Received security clearance for Honeywell in 2013 through the Pipefitters Local 533 union, as well as OSHA safety training, and ensured all steam, water, chemicals, or other liquids were turned off before working on piping system.

-Precisely cut, bent, and welded metals such as carbon and stainless steel with power and hand tools, as well as installed piping or tubing segments securely with welding or other equipment.

-Cleaned and cleared debris or hazardous materials from pipes as needed, as well as coordinated with job site management for hole placements in walls and bulkheads.

-Ensured pipe sizes, hangers, supports, and joint needs for accurate flow, altering piping to ensure correct sizes, and performed trial runs on pipe systems, as well as repaired or reinforced broken, cracked, or inadequate systems.

Insurance Captive Agent, 01/1994 to Current
Independent Sales Consultant Raytown, MO

-Soliciting new business from customers, as well as educating customers and establishing their need for homeowners, auto, life and health insurance.

-Developing a profitable new book of business within the Kansas City territory, and consistently exceeding performance quotas, resulting in earning a Top Performer plague in 1998 from Farmer's Insurance Group.

-Consulting with independent and captive agents on cross-selling and marketing in order to show them how to increase their retention rates.

-Marketing executive sustaining a client retention rate of 88% for Travelers Insurance, receiving outstanding profitability for 2001 and 2002, and earning the "Most Profitable Region Award" for 2003.

Associates Degree: Journeyman Local 533 HVAC - MO

Missouri Property  & Casualty Insurance License

NMLS Safe License & State Licensed

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Self-motivated professional highly proficient in developing creative solutions and implementing objective decision making. Maintains positive attitude and works hard to build team relationships.

  • Customer service-focused
  • Sales expertise
  • Cash handling expert
  • Cash dispenser operation
  • Debt and credit management
  • Typing 70 Reliable  WPM
  • Excellent communicator
  • Friendly
  • Energetic
  • Detail-oriented
  • Excellent time management
  • Analytical
  • Excellent multi-tasker
  • Engaging personality
  • Proven leader
  • Math and language skills
  • Neat, clean and professional appearance
  • Reliable team worker
  • Reliable and punctual
  • Certified Mortgage Loan Originator 
  • Credit check knowledge 
  • Decision-making ability
  • Organized
  • Problem solving
  • MS Office proficient
Delivery Truck Driver 01/2019 to 08/2019 Pepsi Bottling Adventures Garner, NC
  • Delivered informational sales presentations to potential investors to build symbiotic client relationships
  • Researched and resolved customer issues on personal savings, checking and lines of credit accounts
  • Sourced qualified investors for hedge fund, private equity and real estate investment managers
  • Delivered prompt, accurate and excellent customer service
  • Monitored and tracked securities transactions, fund transfers, margin accounts and option trading
  • Reported daily averages and shortages to the operations department
  • Managed opening and closing times for the main branch
  • Opened new customer accounts, including checking, savings and lines of credit
  • Achieved proper compliance and accurate executive level reporting
  • Prioritized accounts based on total amount owed and credit bureau reports
  • Fielded incoming phone calls from customers and directed to corresponding department or individual for assistance
  • Executed financial due diligence and created a valuation model to establish enterprise value and purchase price
  • Supervised preparation of documents, financial models, and presentations
  • Gathered required information from customers for settlement reviews and followed up on management determined results
  • Researched banking guidelines and statutory requirements to stay updated on new laws and applications
  • Developed solid estate and tax code knowledge base through continued research and training
  • Performed extensive analytical calculations, including a complete audit of each mutual fund
  • Established long-term relationships with customers by promoting great service and engagement skills and quickly resolving issues
  • Verified order details at distribution center and customer locations to prevent errors
  • Contacted customers prior to delivery to confirm and coordinate delivery times
  • Maneuvered shipments with carts, hands trucks and pallet jacks, efficiently loading and unloading vehicles to maintain tight timetables
  • Loaded and unloaded 1 delivery vans per shift
  • Ran routes of up to 200 miles per day to efficiently deliver 800 bottles+ orders
Crew Chief 01/2018 to 11/2018 Mjm Painting & Home Services Middletown, New Jersey
  • Maintained team flexibility by teaching members all key roles
  • Applied knowledge of coverage needs and team member skills to establish work schedules
  • Accomplished team objectives while adhering to high quality standards by effectively directing daily activities
  • Adhered to company requirements and compliance regulations by utilizing continuous team evaluations
  • Verified team conformance to safety regulations when working within hazardous areas
  • Effective decision-maker in high-pressure environments
Mortgage Banker 02/2017 to 12/2017 Mortgage Now Shrewsbury, NJ
  • Achieved proper compliance and accurate executive level reporting
  • Maintained confidentiality of bank records and client information
  • Delivered prompt, accurate and excellent customer service
  • Performed daily maintenance of loan applicant database
  • Supervised preparation of documents, financial models, and presentations
  • Entered member transaction data into the online banking software
  • Gathered required information from customers for settlement reviews and followed up on management determined results
  • Assisted senior-level credit officers with complex loan applications
  • Opened new customer accounts, including checking, savings and lines of credit
  • Managed opening and closing times for the main branch
  • Received regional branch recognition award for outstanding customer service
  • Collaborated with legal and accounting counsel to develop marketing strategies for estate and business succession planning insurance
  • Provided expert financial advice on mortgage and both educational and personal loans
  • Developed solid estate and tax code knowledge base through continued research and training
  • Created financial analysis reports of commercial real estate, borrowers' financial statements, lease reviews and market research
  • Utilized talents and expertise to locate customers with aged accounts
  • Built positive relationships with realtors to produce client referrals
Receptionist/Office Manager Assistant 02/2015 to 12/2016 SUTRA brow & lash co. Shrewsbury, NJ

Took necessary steps to meet customer needs and effectively resolve
Promptly reported complaints to a member of the management team.
Correctly received orders, processed payments and responded appropriately to guest concerns.
Communicated clearly and positively with co-workers and management.
Resolved guest complaints promptly and professionally.
Quickly and efficiently processed payments and made accurate change.
Mastered Point of Sale (POS) computer system for automated order taking.
Maintained a neat, well groomed appearance including impeccable personal hygiene, hair restraint and minimal jewelry that met company standards.
Worked well with teammates and openly invited coaching from the management team.
Assisted management with monthly inventory control and weekly stock ordering.
Prepared items according to written or verbal orders, working on several different orders simultaneously. service issues.

Education and Training
Business Brookdale Community College Lincroft, NJ, United States
3.43 GPA

Coursework in Business Management

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Professional Summary

Organized, independent worker with strong time-management skills. Dedicated to maintaining professionalism and integrity. Creative in decision making, while careful in taking conservative risks. Focused on customer service, efficiency and achievement with a unique set of solutions for every problem.


  • Complex problem solving
  • Goal-oriented
  • Self-sufficient
  • Excellent work ethic
  • Risk management assessments

  • People-oriented
  • Flexible
  • Team player
  • Superior organization skills
  • NMLS License #1163283
Work History
Financial Analyst 03/2018 to Current
Rock N Concepts The Colony, TX

Administered accounts payable, conducted general ledger and bank reconciliations and prepared monthly sales and used tax returns. Identified variances to the budget and recommended corrective actions and strategies to avoid overruns and maintain a positive cash position.Audited, balanced and reconciled payroll for more than 350 personnel. Consolidated financial data and materials for key leadership meetings. Analyzed financial information related to payroll, operating expenses, professional service contracts and office supplies and equipment to examine budget needs. Collected data and developed detailed spreadsheets to identify trends and create revenue, profitability and expense forecasts.

Operations Assistant 07/2017 to 03/2018
New Penn Financial Irving, TX

Compiled and drafted pipeline reports each day. Pre -screen loan files for completeness. Order third party documentation when necessary. Follow up with active files for missing documents. Create monthly sales and funding projections

Loan Partner 12/2016 to 06/2017
Amerifirst Financial, Inc Mckinney, TX

Function as the primary contact and liaison between clients, Branch Manager, Sales Manager and/or assigned Loan Originators. Responsible for taking applications over the phone and scheduling appointments. Responsible for requesting/obtaining referrals from all clients, current and potential. Responsible for submitting complete loan applications for each customer file to processing. Track all requested documents in loan origination software. Review documentation received within 24 hours of receipt for discrepancies, omitted data, verified income calculation, asset verification and Encompass updates based on verified information.Partner with Loan Originators in resolving problems on files/documents. Ensure files are complete and set-up in accordance with Amerifirst policy and procedures.

LP System Support/Tester 06/2016 to 12/2016
FICS Addison, TX

Provide telephone and email customer support. Conduct week-long, in-house and on-site training classes. Create and conduct webinar presentations. Test latest applications updates for design and coding issues. Worked effectively with design teams to ensure software solutions elevated client side experience. Consulted regularly with customers on project status, proposals and technical issues. Work closely with other team members to plan, design and develop robust solutions in a timely manner.

Jr. Underwriter 08/2015 to 06/2016
LoanDepot Plano, TX

Review and analyze borrower profiles, tax returns, title reports, credit reports, income documentation and appraisal. Assess fraud indicators and sign off conditions as trained and permitted by management. Recommended loan approvals and denials based on customer loan application reviews. Performs administrative duties in support of activities related to underwriting. Received "ALL-IN" service award.

Underwriting Administrator 08/2014 to 08/2015
LoanDepot Plano, TX

Implemented strategies to increase program effectiveness. Assist with the daily management of department work flow. Coordinated work between multiple departments. Assessed current trends to assist with decision making. Monitored employee work and developed improvement plans. Planned and coordinated logistics and materials for board meetings, committee meetings and staff events.

Sr. Mortgage Banker 01/2014 to 08/2014
LoanDepot Plano, TX

Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.Build rapport, analyze financial situations and determine the appropriate loan product to meet the client's goals Successfully closed an average of 10 loans per month NMLS ID# 1163283.

High School Diploma 2010 Little Elm High School - Little Elm, TX
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Professional Summary

Independently manage, plan and coordinate programs Excellent communication, comprehension and organizational skills Analytical approach to responsibilities, able to multi-task and problem solve Highly motivated and detail oriented.  

Motivated banking professional possessing a strong commitment to quality customer service coupled with superb communication skills. Builds customer loyalty by effectively resolving problems and quickly processing transactions.


  • Detail-oriented
  • Interpersonal skills
  • Analytical thinking
  • Strong interpersonal skills
  • Verbal/written communication
  • Consumer banking specialist
  • Analytical
  • Strategic planning
  • Compliance, banking laws and regulations
Work History
Mortgage Banker, JP Morgan Chase Columbus, OH
  • Proactively converting inbound and outbound leads into prime/mortgage loan applications Consultative selling of first mortgages (Refinance and Home Equity Loans in a telephone environment) Resolve complex problems with the highest level of customer satisfaction Recommend optimum product / rate program combinations to prospects Ensure compliance with applicable statues and procedures (NMLS Registered) Accurately source all business, log all contacts with prospects.
Strategic Pricing Analyst, 03/2014 to 11/2014
Cardinal Health Services Columbus, OH
  • Conducts research and makes recommendations based on findings Analyze, forecast and prepare financial models Works with the business to develop budgets Explain variances and identifies implications on business Assist in recognizing pricing differences in customer produced invoices Facilitator for contract disputes CPA and PCN report research for pricing accuracy.
Sr. Loan Processor, 08/2012 to 12/2013
JP Morgan Chase Columbus, OH
  • Communicate directly with customers and agents to achieve an ideal customer experience Review title insurance, flood, tax certificates, and surveys to ensure they meet state and federal regulations Meet all closing and commitment dates Obtain and review documents for compliance against loan conditions Perform all validation requirements on applicable loan files, coordinate with buyers, sellers, title companies, escrow agents, surveyors, and real estate agents to schedule loan closings Effectively manage a minimum of 80 loans in process while achieving acceptable cycle times.
Merchandising Supervisor, 11/2011 to 07/2012
Coca-Cola Refreshments Columbus, OH
  • Plan, develop and conduct training Enforce company policies, rules and regulations Train, evaluate and maintain relationships with employees and store management Supervise the daily sales and merchandising activities for 35 merchandisers in Ohio Develop team members to meet the demands of the beverage industry Conduct on-site reviews and in-service trainings Oversee delivery of products and perform record maintenance.
Family Prevention Specialist/IDDT ACT Team Case Manager, 01/2009 to 07/2010
Columbus Area Mental Health Columbus, OH

Ensure program compliance in accordance with federal, state and lical standards, guidelines.  Monitored and evaluated client progress according to mesurable goals described in treatment and care plan.  Corrdinated linkage to community support/alcohal and drug rehabilitation, finacial assistanct, housing and education.  Communicated effectively with diverse grups of people from all social and economic backgrounds within multiple communities.

Bachelor of Arts: Sociology-Urban Studies and Community Development, Greenville College - Greenville, IL
Sociology-Urban Studies and Community Development
NMLS Licenced

NMLS Licensed