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Your Name

Loan Officer

Pensacola, FL

your.email@example.com
111-222-3333
www.your-website.com

Career Objective

Loan Officer with 12 years of experience processing and decisioning loan applications and agreements seeking similar employment position with the ability to advance.


Professional Experience

Loan Officer

Members First Credit Union of Florida, Pensacola, FL

Oct 2004Current

  • Analyze applicants’ financial status, credit, and property evaluations to determine feasibility of granting loans.
  • Review Loan agreements to ensure that they are complete and accurate according to policy.
  • Interview applicants per phone or in person to obtain information for application and to answer questions about the process
  • Explain to Members the different types of loans and credit options that are available
  • Analyze Credit Report for cross-selling opportunities
  • Approve loans within specific limits, and refer loan applications outside of those limits to management for approval.
  • Inform and obtain commitments on loan protection products (Credit Life Insurance, Disability Insurance, GAP Insurance, Extended Warranty Protection)
  • Audit and process Lien Perfections on all collateral loans.
  • Keep track of changes in State Documents, procedure, and fees in regards to title processing
  • Maintain Vintek (ELT Program) System
  • Interact with Members and Member Service Representatives and provide the information necessary to ensure Credit Union can perfect lienholder information.
  • Ensure all lien documentation is completed accurately, signed, and notarized (If applicable).

Real Estate Agent

Keller Williams Realty Gulf Coast, Pensacola, FL

Apr 2014Jun 2016

  •  Present purchase offers to sellers for consideration.

  • Act as an intermediary in negotiations between buyers and sellers, generally representing one or the other.

  • Compare a property with similar properties that have recently sold to determine its competitive market price.

  • Advise clients on market conditions, prices, mortgages, legal requirements and related matters.

  • Promote sales of properties through advertisements, open houses, and participation in multiple listing services.

  • Accompany buyers during visits to and inspections of property, advising them on the suitability and value of the homes they are visiting.

  • Prepare documents such as representation contracts, purchase agreements, closing statements, deeds and leases.

  • Confer with escrow companies, lenders, home inspectors, and pest control operators to ensure that terms and conditions of purchase agreements are met before closing dates.

  • Interview clients to determine what kinds of properties they are seeking.

  • Coordinate property closings, overseeing signing of documents and disbursement of funds.

  • Generate lists of properties that are compatible with buyers' needs and financial resources.

  • Contact property owners and advertise services to solicit property sales listings. 

  • Arrange for title searches to determine whether clients have clear property titles.

  • Display commercial, industrial, agricultural, and residential properties to clients and explain their features.

  • Review property listings, trade journals, and relevant literature, and attend conventions, seminars, and staff and association meetings to remain knowledgeable about real estate markets.

  • Coordinate appointments to show homes to prospective buyers.

  • Answer clients' questions regarding construction work, financing, maintenance, repairs, and appraisals.

  • Advise sellers on how to make homes more appealing to potential buyers.

  • Investigate clients' financial and credit status to determine eligibility for financing.

  • Develop networks of attorneys, mortgage lenders, and contractors to whom clients may be referred.

  • Inspect condition of premises, and arrange for necessary maintenance or notify owners of maintenance needs.

  • Conduct seminars and training sessions for sales agents to improve sales techniques.

  • Appraise properties to determine loan values.

  • Evaluate mortgage options to help clients obtain financing at the best prevailing rates and terms.

  • Arrange meetings between buyers and sellers when details of transactions need to be negotiated.

  • Secure construction or purchase financing with own firm or mortgage company.

  • Solicit and compile listings of available rental properties. Review plans for new construction with clients, enumerating and recommending available options and features.

  • Visit properties to assess them before showing them to clients.

  • Locate and appraise undeveloped areas for building sites, based on evaluations of area market conditions.

 


Education

Pensacola State College, Pensacola, FL

19971999

Gulf Breeze High School, Gulf Breeze, FL

19901994

License & Certificates

  • National Notary Association (August 2009)  #15663280
  • Florida Department of Financial Services Insurance License  #W012310
  • Florida Real Estate License (April 2014)
  • Notarial Signing Agent (December 2014)
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