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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.
Insurance & Mortgage
Consultation & Networking
Excellent Verbal & Written Communication
Project Supervision & Planning Layouts
Reporting & Analysis
-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.
-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.
-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.
-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
-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.
-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.
-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.
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.
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.
Take a look at the most common Mortgage Banker skills, don't hesitate to use them in your resume to catch recruiters' attention.
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.
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.
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
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.
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.
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.
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.
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.