Customer Service Loan

Christian S. DeBerry

*** ****** ****** ************, ** 06109

Cell: 860-***-**** E-mail: **********@*****.***

Knowledgeable and innovative finance, sales and marketing professional whose success is based on integrity, exceptional customer service, efficiency and ambition. Excellent rapport building skills, coupled with the ability to communicate effectively. A seasoned professional that listens well with the interest of others to maximize the outcome in order to achieve the best results. Web Based Training Certification and Licensing

Customer service-focused Sales expertise Collections Proficiency Steward of institutional regulatory compliance Bank security issues Debt and credit management Bottom Line Loan Master, Loan Servicing Encompass 360 Mortgage Origination Software Knowledge of VA loan process

Reliable Detail-oriented excellent time management analytical skills

Implemented several strategies that successfully increased sales and improved client retention rates. Promoted to Senior Loan Officer after 6 months of employment. Took initiative to create loan applications by way of tax preparation/certification.

Obtained Mortgage Loan Officer License State of CT 2015 -Present

Companies worked for after Bank of America as a licensed MLO from 2016-Currently

American Financial Network- 2016-Currently-RemoteWethersfield, CT/ Hartford, CT

Carrington Mortgagae-2016-Windsor, CT

Movement Mortgage-2016 - North Haven, CT

Bank of America Home Loans: December 2015 to December 2016 Hamden, CT

Mortgage Loan Officer- My role was to solicit current BOA customers that came to the Hamden Financial Center and speak to them about refinancing or purchasing a property using BOA home mortgage products. I also reached out to my established Real Estate contacts as a referral source to pre-qualify borrowers to purchase. Also worked with borrowers to obtain Home Equity Loans

Simsbury Bank & Trust: January 2015 to September 2015

Simsbury, CT

Mortgage Loan Originator- Self sourced mortgage loans with best practices in the industry by visiting established Realtor contacts and cold calling agents to establish referrals.

June 2013 to July 2014 New Haven, CT

First Niagara Loan Set/Loan Servicing:

Assisted senior-level credit officers with complex loan applications. Adhered to all federal and state compliance guidelines relative to retail mortgage lending. Performed daily maintenance of the loan applicant database. Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan. Performed ceiling maintenance of the Treasury Management Auto-pay product.

April 2013 to August 2012 Old Say brook, CT

Bank of England/New Eng Alliance Mortgage

Senior Remote Loan Officer Adhered to all federal and state compliance guidelines relative to retail mortgage lending.

Interviewed an average of 25-50 mortgage loan applicants per month. Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan. Performed daily maintenance of the loan applicant database. Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers. Educated customers on the variety of loan products and available credit options.

February 2011 to July 2012 Milford, CT

Mortgage Consultants of America

Senior Loan Originator made outbound calls, and received inbound calls to/from borrowers who requested information on refinancing or purchasing property. Successfully entered mortgage applications into Calyx software, determined interest rate and prepared file for processing. Closed loans that qualified under guidelines required by the lender/investor. Provided expert financial advice on mortgage and both educational and personal loans.

February 2009 to March 2011 Wallingford, CT

Webster Bank Consumer Lending Division

Senior Loan Officer Received inbound calls made outbound calls from existing Webster Bank data base promoting new products. Quoted rates and locked rates for various lending programs for mortgage loans, Home Equity Loans and Lines of Credit. Opened checking and savings accounts offered CD's and other investment products. Executed the loan origination process, including ordering credit reports, appraisals and preliminary title reports.

March 2006 to January 2009 Danbury, CT

Fairfield Financial Group

Senior Loan Officer Adhered to all federal and state compliance guidelines relative to retail mortgage lending. Closed FHA loan programs, locked rates with lock desk and closed FHA Streamline loans. Adhered to all federal and state compliance guidelines relative to retail mortgage lending. Executed the loan origination process, including ordering credit reports, appraisals and preliminary title reports.

April 2002 to February 2006 Cromwell, CT

Home Funds Direct Senior Loan Officer

Called true source leads soliciting Accredited Home Lending's mortgage programs. Entered info into Empower loan origination software, fee spread sheet called Revenue Calculator was generated on each loan to ensure loans were in compliance and in line with Section 32 guidelines. Adhered to all federal and state compliance guidelines relative to retail mortgage lending.

February 1999 to March 2002 Wallingford, CT

Home Gold Inc.

Loan Originator interviewed an average of 25-50 mortgage loan applicants per month. Performed daily maintenance of the loan applicant database. Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan. Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers.

March 1996 to January 1999 Orange, CT

American General Finance

Loan Administrator Performed daily maintenance of the loan applicant database. Adhered to all federal and state compliance guidelines relative to retail mortgage lending. Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan. Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers.

1985 Hamden, CT, United States Hamden High School High School: Diploma

Safe Act Certification: Completion Dates: 12/27/2014 & 1/7/2015 Proschools

NMLS ID# 157367

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