Customer Service Sales
Resume:
Christal Johnson
* Email: ********.*********@*****.*** * Contact:
PROFESSIONAL DEVELOPMENT HIGHLIGHTS
. Series 6 & 63 licenses
. Texas Life & Health Insurance license
. Oklahoma Non-Resident license
. Achieved top recognition for Investment production in 2008 in DFW market
at Wachovia
. Top lending producer for 2009 in local bank branch
. Over 8 years of loan origination & processing with 3.5 years of Mortgage
Banking
. 5 years of experience with Conventional, FHA, FNMA/FHLMC lending
. Strong skills of organization & persuasion to achieve goals / Analytical
/ Driven
. Excellent Written and Oral Communication
. Provide dynamic customer service and problem resolution
. Learns quickly / Team Player / Remains Flexible
. Takes initiative / Needs little supervision
EXPERIENCE
Capital One / Sr. Mortgage Processor (Contractor) 11/12 - 05/13
Traditional mortgage loan processor for major bank for developing
mortgage exposure in major markets. Primary point of contact between
the mortgage consultant and the applicant. Stacked files, gathered
credit & income supporting documentation from the applicant & 3rd
parties to support loan approval. Completed verification of income &
mortgage, ordered title, appraisal & employment verified within ten
days of closing. Cleared underwriting conditions for final approval.
Complied with the company policies & procedures and maintained
investor regulatory guidelines throughout lending process. FHA,
FNMA/FHLMC lender. Also acted as team lead & trainer for existing
employees and new hires. Responsible for gathering daily pipeline
tracker reports from all team members executed on excel spreadsheet
submitted to various management channels.
Amerisave Mortgage/ Mortgage Processor - Jr. Underwriter (Remote) 07/12 -
10/12
Responsible for a pipeline of up to 30-40 loans per month.
Reviewed loan application package for completeness &
accuracy. Gathered credit, income and supporting documentation from the
applicant & 3rd parties to support loan approval. Reviewed income
documentation from the applicant within 24 hours of receipt of them.
Calculated & verified income, deposits, assets, liabilities & required
funds to close. Reviewed credit report & verified liabilities against what
was submitted on the 1003 by the applicant. Ordered updated payment
history through Credco, title commitment, pay offs, homeowner's insurance
coverage & appraisal. Verified employment, completed processing checklist
prior to submission for final approval. Once approved, submitted loan into
closing, set up closing with title company. Mantained communication with
closing department through funding. Utilized VOIP system to communicate
with applicants and all parties within the organization. Paperless
environment.
VALIC / Financial Advisor 06/11 - 01/13
Offer comprehensive suite of life insurance, retirement
savings products and guaranteed income
solutions. Primary focus 403(b) sector with established book of business &
sales territory. Set appointments for annual review with existing clients
& generated new business through sales seminars, referrals and face to face
contact. Identified suitable solutions for potential clients that best met
client's needs & goals.
Rose International / Mortgage Servicing Specialist - Processor
(Contractor) 02/11 - 05/11
Supports the servicing of mortgage loans on defaulted and/or non-
defaulted loans. Analyze customer request for loan modification in
accordance with established guidelines to determine the appropriate
course of action, determined if loan conditions on approved loans are
satisfied by reviewing income, asset & liability documentation,
completed verification of income & verification of mortgage,
packaged loans & submitted to underwriting. Processed complex levels
of transactions, researched & prepared loan documentation, ordered 3rd
party attorney fees for files in foreclosure and remained in
communication with mortgage investors & other 3rd parties. Maintained
project management for up to 200 files, strong attention to detail and
organizational skills utilized with minimal supervision. Trained up to
15 new hires on computer systems & loan modification processes.
Ordered & maintained departmental office supplies. Other assignments &
special projects completed as needed.
Wells Fargo Bank / Sr. Licensed Personal Banker2 06/07 - 11/10
Sold retail banking products to current and potential clients. Used
cross-selling techniques to acquire 100% of the client's business,
such as investments, partner referrals, and credit & loan origination
products. Originated, closed & funded auto loans. Worked with
customers as well as local & regional auto dealerships to close & fund
loans. Originally Wachovia Dealer Services, maintained current
product knowledge in credit approvals, policies & established
guidelines. Utilized relationship building & retention skills to
maximize sales opportunities. Maintained project management &
customer portfolio through profiling analysis tool & using auto
underwriting decisioner. Established long-term relationship with
high net worth clients. Executed retention strategies to maintain
existing relationships. Cash handling as well as opening & closing
procedures performed. Responsible for generating new business by
networking with local businesses & universities to set up Wells At
Work onsites. Solicited business through outbound cold calling and
warm lead transfers. Lead team huddles to set daily performance
expectations. Retrieved daily activity reports & reported to
management & other team members. Assisted with training new bankers
in the local branch. Other cross-functional responsibilities
performed.
HOME 123 Mortgage / Sr. Loan Advisor & Processor, Loan Closer
02/05 - 04/07
Originate prime & sub-prime loans for non-conforming lender. Took
credit applications via phone or online, pulled & reviewed credit
reports, submitted loan proposals to prospective clients, ordered
title, appraisal, collected income documents & determined if loan
conditions on approved loans are satisfied by reviewing income, asset
& liability documentation, completed verification of income &
verification of mortgage, packaged loans & submitted to underwriting
for final approval. During busier times assisted in pre-underwriting
files. Loan closer responsibilities performed. Managed over $1
million each month in projected pipeline consistently. Remained in
top percentile in closed to funded loans.
Centex Home Equity / Processor / Loan Officer 03/04 -
01/05
Performed loan processing responsibilities to include verification of
mortgage, ordering title & appraisal, Responsible for gathering credit
& other documents from the customer & 3rd parties, throughout lending
process determined if loan conditions on approved loans are satisfied
by reviewing income, asset & liability documentation, completed
verification of income & verification of mortgage, packaged loans &
submitted to underwriting for final approval. Later performed duties
of loan officer to solicit & originate loans for subprime lender.
Ameriquest Mortgage Company / Account Executive, Loan Closer
01/03 - 02/04
Non-conforming, sub-prime lender. Originated loans for customers with
limited to poor credit. Utilized telemarketing & outside personal
sourcing efforts to obtain business. Maintained project management
throughout the loan process. Responsible for reviewing closing
documents & closing loans at the end of the month. Overnight travel &
mandatory overtime required.
EDUCATION
1994 - 1995 Oral Roberts University, Freshman year completed
ACTIVITIES
Dallas CASA (Court Appointed Special Advocate) Volunteer
References available upon request.
Contact this candidate