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Your Name

MORTGAGE LOAN OFFICER

NEW JERSEY

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

Professional Summary

To obtain a challenging position that allows me to utilize my current skills to assist in advancing a business that offers me a stable employment opportunity. I am also eager to learn new skills and career advancement with in the Mortgage Industry.

Highly motivated sales associate with extensive customer service and sales experience.

  •  Mortgage Loan Underwriting - Mortgage Loan Processing - Sales & Loan Originating .
  • TEN YEARS OF MORTGAGE LOAN EXPERIENCE INCLUDING LOAN ORIGINATING , PROCESSING , CLOSING , , MANAGING LOAN PIPELINES AND MORTGAGE OPERATIONS ,  AND TRAINING OF PERSONNEL , on RESPA,TRID,TILA
  • Extensive expertise in finance by originating and underwriting residential mortgages, commercial and consumer loans, managing the pre-approval process for the wholesale purchase of mortgages, managing loan portfolios and interim servicing.
  • Mortgage: Preparation of consumer mortgage loan closing documents for proper funding, as well ascompliance with corporate and government directives.

Work Experience

MORTGAGE LOAN OFFICER

BBVA COMPASS, AUSTIN, TX

Aug 2016May 2017

  • Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
  • Meet with applicants to obtain information for loan applications and to answer questions about the process.
  • Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
  • Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
  • Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
  • Review and update credit and loan files.
  • Review loan agreements to ensure that they are complete and accurate according to policy.
  • Stay abreast of new types of loans and other financial services and products in order to better meet customers' needs.

MORTGAGE LOAN PROCESSOR,

USAA FEDERAL SAVINGS BANK, SAN ANTONIO, TX

Jan 2016Aug 2016

 

  • Additionally I originated mortgage loans, performed loan processing Training new loan officers and loan processors.
  • originated mortgage loans/collect client's information/ verify accuracy for loan processor, prequalification, knowledge of mortgage programs;
  • Loan Processor: Processing FHA, VA, and Conventional mortgage loan applications, case opening, review and update verifications, submitting file to underwriter for loan approval.
  • Prepared and processed all mortgage loan documents.
  • Verifies, compiles, and types application information for mortgage loans: Reviews residential loan application file to verify that application data is complete and meets establishment standards, including type and amount of mortgage, borrower assets, liabilities, and length of employment.

  • Recommends that loan not meeting standards be denied.

  • Calls or writes credit bureau and employer to verify accuracy of information.

  • Types loan application forms, using computer.

  • Calls specified companies to obtain property abstract, survey, and appraisal.

  • Informs supervisor of discrepancies in title or survey.

  • Submits mortgage loan application file for underwriting approval.

  • Submits  and mails approval and denial letters applicants.

  • Submits approved mortgage loan file to MORTGAGE LOAN CLOSER for settlement.

  • Records data on status of loans, including number of new applications and loans approved, canceled, or denied,using computer.

MORTGAGE LOAN OFFICER,

USAA FEDERAL SAVINGS BANK, SAN ANTONIO, TX

May 2014Jan 2016

•Evaluate credit worthiness by processing loan applications and documentation within specified limits

•Interview applicants to determine financial eligibility and feasibility of granting loans

•Determine all applicable rations and metrics and set up debt payment plans

•Communicate with clients either to request or to provide information

•Justify decisions (approvals/rejections) and report on them

•Complete loan contracts and counsel clients on policies and restrictions

•Update job knowledge on types of loans and other financial services

•Maintain and update account records

•Assess customer needs, explore all options and introduce different types of loans

•Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish quotas

•Go the “extra mile” to build trust relationships, customer loyalty and satisfaction throughout the underwriting

process

Operate in compliance with laws and regulations and adhere to lending compliance guidelines

Compiled database of loan applicants' credit histories, corporate financial statements and other financial

information.

Submitted loan applications to the underwriter for verification and recommendations.

Compiled database of loan applicants' credit histories, corporate financial statements and other financial

information.


  • Additional Loan Officer education include: Mortgage Broker Lending: Law and Practice, Mortgage Ethics: Judgment & Practice, Federal and State Regulatory Compliance for Loan Officers, and Ethics for Loan Officers & Mortgage Brokers.

Chief Customer Service Supervisor

BANK OF AMERICA/DBA COMMUNITY BANK , BAMBERG, GERMANY

Nov 2011May 2014

 

  • Perform account maintenance functions outlined in CSR and Loan manual for individual or organization.

  • Performed all bad debt follow-up on overdraft & RCS's, prepared PLA's

  • Problem solving skills, reconcile accounts handle district and home office request.

  • Cross-sell banking services and products to customers.

  • Participate in community events to position the bank as a leader within the territory.

  • Loan processing & funding for new, used and signature loans. Highlights:

  • Cross trained in all areas of the bank, substitute for Chief CSR & Chief

.

Financial Advisor for Card Services,

JP MORGAN CHASE , SPRINGFIELD, MO

Oct 2010May 2011

 

  • Accurately process over 100+ calls a day by addressing customer's credit concerns.

  • Build and maintain customers' satisfaction by providing excellent service, in a fast call center environment.􀀀

  • Suggest strategies so customers can use to achieve their financial goal and objective cash management and financial advice.􀀀

  • Sell financial products based on customer needs to maximize their credit card usage and benefits, explain and document concerns with a prompt resolution Maintained strict confidentiality of bank records.

  • Responsible for calling clients to negotiate interest rate reductions on their credit cards as well as Hardships and general financial advisor duties.
  • Served as the affluent clients' primary financial advisor, managing and delivering financial products and services (including banking and lending, wealth management, financial planning, risk management, and estate planning) via on-going relationships.

WORKOUT NEGOTIATOR/LOAN LITIGATOR

BANK OF AMERICA , LANCASTER, CA

Apr 2006Oct 2010

 

  • Negotiated terms with all involved parties from the initial workout solicitation pre-approval to the final approval of workout once supporting documentation is received.
  • Negotiated and drafted contracts in English and Spanish, including private and commercial leases, property purchase and sale contracts, commercial loans, debt refinancing and workout plans.
  • Responsible for providing detailed, thorough research and review of foreclosure accounts in compliance with procedural guidelines utilizing analytical, negotiation and workout skills to minimize financial losses to the company.
  • Negotiated with Banks, Private Investors, Mortgage Lenders/Servicers to secure permanent loan modifications or workout assistance.
  • Negotiated proactive workout solutions designed for borrowers who had the willingness but limited capacity to pay their mortgages.
  • Borrowers who are in special workouts with loan modifications I also assist with loss mitigation by getting the information needed from the borrower over to be handled by a negotiator who will approve or deny the modification.
  • all facets of real estate workouts, including the evaluation, documentation, negotiation, and closing of discounted payoffs, note sales (both individual and bulk sales), deeds in lieu of foreclosure, loan restructures and REO dispositions;
  • o Negotiate and Submit Short Sale, Deed in Lieu, and refer to modifications to Freddie Mac using WP2 (Workout Prospector).

EDUCATION

GED

GENERAL STUDIES , FORT LEONARD WOOD MO

20092009

4.0 GPA
  • I hold a GED General Education Diploma ( High School non-graduation diploma) diploma in General from Truman education Center in MO.

Additional Information

  • Skills/Qualifications: Customer Service, Customer Focus, Phone Skills, Listening, Verbal Communication, Data Entry Skills, Product Knowledge, Job Knowledge, Objectivity, Dependability, Multi-tasking, Bilingual. 100% Spanish Proficiency.
  • Full Billingual,Great Responsability in any job task, administration skills,great learning skills too & excellent references.
  • In addition, have developed exceptional working knowledge of prevailing regulations and guidelines for military pay, coding, and military travelling affairs.
  • As military male spouse, I am uniquely qualified to assess and address the needs of military members and spouses alike.
  • As a military spouse for ten years so I adapt easily to new environments.
  • Maintained a database of military spouses, helped to plan events for spouses and families and helped to improve the morale and welfare of the battalion.
  • Network with other military spouses to boost morale and community support for events and the military families.
  • Personal: Positive attitude, upbeat personality, strong inter/intra personal communication skills, great customer service, organizational techniques and time management skills.
  • Licensed Mortgage Originator - NMLS#1211267
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