Embrace Home Loans, Middletown, RI
Jul 2010 – Dec 2011
02842 NMLS# 338201
In this position I successfully passed 18 sets of background checks and aptitude examinations to be personally licensed in 18 states as a Loan Officer. My basic function is to receive incoming phone calls from potential mortgage clients and offer best solutions for their financial needs. In addition to my basic functions I offer credit repair consultation, debt payoff analysis and trade line payoff negotiations.
Assistant Vice President
The Washington Trust Co, Westerly, RI
Dec 2008 – Nov 2009
I was responsible for processing a variety of financial transactions using Desk Top Underwriting and other various portals for Government Agencies; Analyze credit, financial statements and determine strength of potential customers; Calculate cost and end value for construction loans and commercial projects; Interact with contractors and subcontractors to evaluate and monitor budget forecast for projects; Maintain knowledge and stay abreast of financial developments concerning interest rates and yield spreads; Present written reports on general community developments and economic trends. Provided education and guidance to client community and held seminars for potential customers.
Wells Fargo Home Mortgage, North Providence, RI
Aug 2007 – Dec 2008
in the proper financial direction concerning their required needs; Offer credit counseling and to direct clients to the necessary wealth management channels; Follow proper State and Federal Financial Disclosure Regulations; Performs and documents complete interview with clients while obtaining and providing all required documentation as applicable to the process; Analyze credit and financial strength of potential customers; Establish and/or maintain all customer database files; Conducted seminars for outside trade vendors; Responsible for various financial transactions using automated underwriting systems.
Owner Harvest Mortgage Group, LLC, Portsmouth, RI
Oct 2004 – Nov 2007
Manage and direct operations for the day to day activity while ensuring profitability, efficiency and quality of product; Follow all state and federal guidelines concerning disclosure regulations; Manage budget forecast and for overseeing contractor end cost value for residential and commercial initiatives; Business Development within the community; Analyze financial data to produce forecasts for business direction and production; Compiled and prepared detailed budget and Financial statements; Maintained business accounting principles. Successfully completed and passed required bi-annual audit.
Advanced Financial Services, Inc, Middletown, RI
Feb 1998 – Oct 2004
officer in 1998 and promoted to Sr. Loan Officer in 2001; Offered financial guidance to consumers for various concerns; Trained and mentored new loan officers in proper lending and document disclosure procedures; Conferred with management to improve various sales and customer interaction protocol; Maintained customer data base to ensure proper state and federal guidelines.