Experience

• 

  National city mortgage

  Aug 2002 - Feb 2004

  Loan processor/loan closer

  Responsible for processing all loan files for four loan officers. FHA, VA, conventional and Jumbo loans. Required to know all submission procedures including, but not limited to, general loan guidelines to submit to underwritingProperly collected conditions that needed to be met to get loan in a Clear to Close status. Learned how to underwrite a file prior to submission to an underwriter for a smooth approvalThis position then led to loan closing and funding. Responsible for ensuring compliance and making sure the shipping file was complete with all conditions in case of audit. Prepared loan closing documents and reviewed for proper executionOrdered wire of monies from corporate and balanced with closing agent to release funds. Also responsible for all final documentation for closed loans to meet compliance regulationsLaid off due to the end of the refinance boom at that time Show less

• 

  America one finance

  Jun 2004 - May 2009

  Loan officer/loan processor

  Responsible for obtaining leads, placing the consumer into the most advantageous program for their benefit, processing the loan and closing itOriginate and process FHA/VA purchases and refinances. This involves complete edification to the consumer through the various phases of the mortgage loan processResearch underwriting guidelines to assure client we can meet their requirements. Expert in computer skills as well as running DU/LP automated underwriting findingsComplete customer satisfaction is the ultimate goal. Work independently without any supervision out of home officeCompany closed their office. Show less

• 

  Prestige home mortgage

  Sept 2012 - Nov 2023

  Sr. loan officer

  Market, originate, and close all types of mortgage loans. Ethical and moral. Customer service number one priority..Communicate consistently with referral partners, sellers agents, buyers agents and borrower. Have systems in place to make this an utmost priority. A never give up attitude on the tougher credit scored deals along with unique property types.

• 

  Barrett financial group llc

  Dec 2023 - now

  Loan officer- barrett financial group llc

  Solicit real estate agents, referral sources, past customer database etc for leads to loans.Work with underwriters application problems and resolve issues. Maintain high level of customer satisfaction by providing prompt and accurate loan status updates. Communicated with clients, processing teams and other third parties to achieve prompt loan closings. Analyzed loan applications and credit reports to determine loan eligibility and risklevel. Explained different types of loanspertaining to client situations. Followed up with clients on missing loan documents, providingguidance on best way to complete application process. Assisted clients in selecting correct loan product and terms to meet needs and financial goals. Negotiated loan terms and conditions with clients to meet their understanding. Run AUS reports and collect needed documentationExperienced and results-driven sales associate with a track record in exceeding sales targets.Skilled in building strong client relationships and delivering exceptional customer service. Strongproduct knowledge and ability to drive sales growth. Show less