Mortgage Specialist resume examples

Originated loans through outbound correspondence, Internet leads, letters and client referrals. Built reports and gathered information to enable accurate pricing and product placement based on individual's qualifications and goals.

Developed new relationships with Real Estate agents to generate client referrals. Consulted homeowners throughout the application and funding process and offered after sales support for their continued business.

Reviewed rate sheets and calculated income to verify compliance with underwriting standards. Cleared titles and reviewed appraisals for possible objections. Communicated between cross-functional departments and the borrower to organize timely delivery of stipulations required to fund the loan.

Assisted customers with large selection of high-end fashion clothing. Handled cash and credit transactions.

Consulted brides with a large selection of high-end bridal gowns, accessories, alterations and bridesmaids dresses.

• Managed over $30B of fixed rate securities including MBS, Agencies, Treasuries, CMOs, CMBS, and ABS.
• Responsibilities included recommending and implementing market strategies to mitigate risk and achieve income and performance targets.
• Traded various securities as interest rate strategies or market opportunities arose.
• Managed equity buyback programs both direct and accelerated.
• Acted as portfolio liaison to bank acquisitions to ensure accurate security transfer.
• Utilized Yield Book to recommend new security types or market strategies.
• Actively managed a $17B MBS portfolio and a $4.5B CMO portfolio which included: Purchasing over $10B in MBS and $3.5B in CMOs in 2003 to manage to income targets.
• Utilizing of Yield Book to forecast runoff, project performance in various interest rate curves, and generate rates of return.
• Consolidating 900 pools into 50 pools to optimize both funding and operational efficiencies.
• Coordinating with operations to get the dollar roll program implemented.
• Collaborating with operations, accounting, and technology to enhance pricing efficiency and accounting of assets.
• Coordinated efforts of acquisitions and integration of portfolios into the FleetBoston balance sheet, including: Purchase of Summit Bank, sale of Fleet Mortgage to WAMU and purchase of Progress Bank.
• Recommendations for asset disposition at time of merger.
• Interaction with various internal departments as well as the acquired corporation.
• Frequently collaborated with various groups within the bank to adhere to internal policies and optimize asset management, which included: weekly market meetings with Vice Chairs to provide market color; frequent meetings with Balance Sheet Management; coordination with Treasury Operations for input of trade tickets, system upgrades, and product development; and frequent interaction with Credit to approve ABS and CMBS transactions.
• Coordination with Funding to optimize use of assets to meet internal funding needs.

• Managed all facets of the residential mortgage portfolio including securitization, risk management, market pricing, and transactional activity.
• Approved Private Banking loan requests, CRA program offerings and any modification and foreclosure proceeding.
• Managed the relationship with servicer of banks' mortgages after divesting from the bank.
• Responsible for the successful integration of whole loan mortgages after bank acquisitions.

• Managed over 100 financial institutional accounts in Massachusetts and Rhode Island that generated approximately $7.3 billion per year.
• Conducted annual negotiations of master agreements, prepared and presented contracts to the Investment Committee; stratified, priced, and bought various types of mortgage loans.

• Responsible for inside sales and business development in the upstate New York region.
• Planned, coordinated, and presented a variety of industry seminars on a quarterly basis.
• Provided daily assistance to all accounts as needed.
• Promoted to Senior Negotiator after 11 months.

• responsible for all fixed income securities trading as well as trading the dollar roll portfolio and accounting for all the derivative trades executed on behalf of the portfolio.
• Two months after joining BankNorth, the bank was purchased by TD.
• I was responsible for streamlining new system conversions and accounting for all interest rate derivative swaps to achieve predictable earnings in various interest rate scenarios.
• I stayed through the interest rate and system conversions to assure accurate financial records.

• responsible for managing a monthly mortgage pipeline of up to $40,000,000.
• Successfully implemented a diverse product line and negotiated contracts with investors for up to $100,000,000.
• This was a senior level management position that incorporated the general management of all the functional operations as well as participation in the development and implementation of the organizational strategic plans.

• Customer Service: Maintained excellent customer service with customers and businesses alike via phone, email, and business letters
• Communication Liaison
• Designed Policy & Procedure: Created new, and updated current records
• Maintained Quality Customer Care