Account Executive Mortgage
Resume:
Clarence Packer
Clifton Heights, Pa. 19018
Phone - 484-***-****
**************@*******.***
QUALIFICATION SUMMARY
A highly motivated professional with over 8 years of Retail and Wholesale
experience in the Mortgage industry and I am NMLS licensed in Pennsylvania.
I'm looking for a challenging position where I can successfully utilize my
knowledge and experience.
EMPLOYMENT
Member Advantage Mortgage (working at Sun East Federal Credit Union)
Sr. Mortgage Consultant
February 2013 - December 2013
> Interview and counsel members and non-members, face-to-face and over the
telephone to help members and non-members with their mortgage loans
> Takes first mortgage loan applications via face-to-face interview, mail,
and over the telephone entering application data into on-line system
> Determine applicants' qualifications; providing detailed information
about our mortgage products and evaluating, personalizing and
recommending financing alternatives
> Review the application for completeness and integrity of loan data
> Review the automated recommendation to approve the loan or refer it for
further analysis
> For approved loans, determines applicable loan conditions and
documentation requirements and advises the borrower of loan conditions
and documentation requirements
> Requests and obtains documentation needed and forwards to Mortgage
Processor
> Submit Rate Lock Request form for locking the rate
> Maintain good working relationship with assigned Mortgage Processor
regarding progress and required processing information (e.g.,
verifications of employment, assets, income, and liabilities; appraisal
reports
> Follows up on unanswered requests for documentation
> Maintain contact with the borrower, Realtor and/or seller during the
entire loan progress; responds to inquiries and resolves problems
regarding processing of the loan
> Respond to inquiries about mortgage applications, processing status,
problems, and concerns
> Market to real estate agents, brokers and /or builders, including
conducting in-person calls with the purpose of developing referral
relationships resulting in individual loans
> NMLS licensed in PA
Clarence Packer
Page 2 of 4
EMPLOYMENT (continued)
Continental Home Loans
Sr. Loan Officer
November 2012 - February 2013
Originate mortgage loans by establishing relationships with Realtors,
Builders, Financial Planners, etc
Take first mortgage loan applications via face-to-face interview, e-mail
and over the telephone entering application data into on-line system
> Determine applicants' qualifications; providing detailed information
about mortgage and equity loan products; clarifying complexities of the
mortgage/equity loan process; and evaluating, personalizing, and
recommending financing alternatives
> Review the application for completeness and integrity of loan data
> Review the automated recommendation to approve the loan or refer it for
further analysis
> For approved loans, determine applicable loan conditions and
documentation requirements and advises the borrower of loan conditions
and documentation requirements
> For referred loans, analyze areas of concern and determines proper course
of action (e.g., obtain explanations for derogatory credit)
> Prepare loan disclosures required by state laws (e.g., Good Faith
Estimate, Truth-In-Lending)
> Request and obtain documentation needed and forward to Mortgage Processor
> Maintain good working relationship with assigned Mortgage Processor
regarding progress and required processing information (e.g.,
verifications of employment, assets, income, and liabilities; appraisal
reports and investor requirements, etc
> Follow up on unanswered requests for documentation
> Maintain contact with the Borrower, Realtor and/or seller during the
entire loan progress; responds to inquiries and resolves problems
regarding processing of the loan
> NMLS licensed in Pennsylvania
Capital Financial Mortgage Corporation
Sr. Loan Officer
February 2010 - November 2012
? Advise borrowers regarding appropriate loan programs that may best suit
their financial and personal needs which includes evaluating the best
loan programs, and options within loan programs, for each borrower's
needs; making recommendations
Clarence Packer
Page 3 of 4
EMPLOYMENT (continued)
regarding loan products and options; determining how the property
collateral and use of loan proceeds will affect the borrower's
eligibility for various loan programs, and answering borrowers' questions
on all aspects of the transaction
? Analyze the prospective borrower's income and debt and pre-qualify the
prospective borrower to determine the maximum mortgage that the
prospective borrower can qualify for
? Maintain up-to-date knowledge on products, pricing, procedures and
regulations to provide prospective borrowers with up-to-date product
information
? Advise the borrower in understanding and clearing credit problems and
other transaction issues
? Gather all file documentation
? Provide and explain disclosures to the borrower, including Truth in
Lending, Good Faith Estimate and others
? Participate in loan closings as needed
? Receive Inbound calls and make Outbound calls to prospective Borrowers
from Lower my Bills lead source
? Establish and maintain ongoing referral source relationships from real
estate brokers, builders, previous customers and other external sources
? NMLS licensed in Pennsylvania
e-Primary, LLC
Sr. Technical Recruiter
April 2008 - August 2009
? Sourced, placed, and managed IT computer professionals
? Recruited for Contract, Temp to Permanent and Permanent positions
? Recruited for Banking, Telecom, Engineering, Healthcare and Insurance
industries
? Scheduled candidate interviews with clients
? Maintained a pipeline of qualified candidates for all openings
? Checked references as part of the hiring process
? Set up technical screens for potential candidates
? Closed candidates, made and negotiated offers of employment
? Recruiting sources: job boards, referrals, user groups, social networks
and company database
? Experience with Applicant Tracking System: ACT
Clarence Packer
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EMPLOYMENT (continued)
Mercantile Mortgage Company
Wholesale Account Executive
February 2002 - October 2007
? Generated new Conventional, Sub prime and Alt-A Broker business
? Maintained and Serviced existing accounts
? Updated pipeline daily and daily follow-up on Full Packages
? Graded and Priced Pre-qualifications
? Educated Brokers on company products and services
? Reviewed and understood Investor guidelines
? Made 25+ cold calls weekly to generate new business
? Set up and educated Brokers on Automated Underwriting System
? Attended Broker Tradeshows
? Trained new loan officers
? Territories included: Delaware County PA, DE, MD, CT, and VA
Palarco, Inc.
Sr. Technical Recruiter
October 1995 - February 2002
? Sourced, placed, and managed IT computer professionals
? New business development
? Recruited for Pharmaceutical, Banking, Healthcare industries
? Scheduled and conducted in-office interviews
? Maintained a pipeline of qualified candidates for all openings
? Checked references as part of the hiring process
? Closed candidates, made and negotiated offers of employment
? Experienced with ATS: ACT and Goldmine
EDUCATION
Gloucester County Community College
? Associates Degree in Business Administration
Contact this candidate