Tracie Maganas

**** *. ****** **., *********, WA. 99337

Cell Phone 509-***-****

Email: ad0pnh@r.postjobfree.com

Summary of Skills

As a resident of the Tri Cities community for over 30 years, I have built my reputation on honesty, integrity and knowledge. I have grown an extensive network of both professional and personal contacts. Experienced in providing complete transparency, communication and follow through, while above all building a trusted relationship with all parties involved in the mortgage transaction. Loan origination is not just about providing a home loan it is about asking the right questions to of the client to assess their specific needs and presenting them with a product to meet those needs. Over 25 years of experience in the sales, banking, mortgage lending, and insurance and financial services industries, through this I have acquired extensive knowledge of the mortgage lending process which will provide home buyers with a higher level of service. Experience in developing home construction cost breakdown estimates, from origination to completion of the home building process. I have 6years experience managing bank and mortgage lending sales teams.

07/01/2022-06/26/2023: Spokane Teachers Credit Union

Branch Location: 4842 W Hildebrand Blvd

Loan Officer: Counselor and Originator of home mortgage loans including construction, jumbo, lot loans, conventional and government home loans. Outside sales, networking with STCU employees to receive referrals as well as business development with realtors, builders and business professionals.

01/22/2018-06/18/2022: Wells Fargo Home Mortgage

Branch Location: 3311 W Clearwater STE B100

Loan Officer: Duties included origination of Conventional, FHA/VA, USDA, Construction loans. Assist clients with obtaining a mortgage loan, from origination to closing. Evaluation of client needs, networking within the bank for internal referrals as well as outside business development with realtors, builders and professionals within our community.

04/01/2016-04/15/2017: US Bank Home Mortgage

06/1998-8/2000 Branch Manager / Registered Representative

04/1997-05/1998 Loan Officer

10/1992-09/1994 Loan Officer

Corporate Office: Minneapolis, Minnesota

Loan Officer / Branch Manager / Investment Registered Representative; Duties include origination of Conventional, FHA/VA, USDA, Construction, and WSHF loans. Assist clients with obtaining a mortgage loan, from origination to closing. Evaluation of client needs to distinguish the best product for that particulars client. Supervision and management of five full-time employees; Production and operation of this full service bank branch; Sales and Service manager; Overall operations and Budget for the branch. During this period the branch has met all bank compliance and audit requirements. Also Registered Representative and assisted customers with their managed investments i.e., IRA, 529, Savings and retirement plans.

01/2015-04/2016: Summit Funding Inc.

Branch Location: 8412 W Gage Blvd, Kennewick, WA 99336. 509-***-****

Loan Officer; Duties included origination of Conventional, VA/FHA, USDA, WSHF loan programs.

1/15-8/15 Loan Partner II. Assisted Loan Officer/Branch Manager with sales, business development origination and processing of loan and attending loan closings.

072-12-04/2014: Landmark Professional Mortgage Co. LLC. (LPMC, LLC)

Corporate office: 9020 SW Washington Square Rd, Suite 100. Portland, OR 97223. 503-***-****.

Branch Location: 1333 Columbia Park Trail, Ste 110, Richland WA 99352. 509-***-****

Branch Manager / Loan Originator; opened new branch location, and branch budget. We grew loan volume over the first year period to 30,720,000 with a team of four loan originators. Assist Clients with their mortgage needs, from origination through closing.

12/2003-7/2012: Farmers Insurance & Financial Services

Corporate Office: 4680 Wilshire Blvd, Los Angeles CA. 90010. P: ***-**-****

Local Office: 3617 Plaza Way Ste. H. Kennewick, WA 99338.

Insurance and Financial Services Agent and Owner; Owned and operate a Farmers Insurance Agency, Sales and service of property, casualty and life insurance. Financial services sales, of retirement accounts, savings plans, college savings plans, through Farmers Financial Solutions as a registered representative.

09/2010- 07/2012: Hometown Lending a Division of Bay Equity LLC.

Corporate Office: 10025 19th Avenue SE, Ste. 100 Everett, WA 98208 425-***-****

Branch location: 3617 Plaza Way Ste. H, Kennewick, WA 99338

Branch Manager/Loan Originator; I managed, two loan officers. Assist Clients with the Mortgage process, identifying product that best suited the client’s needs, gathering the necessary documents from the customer for qualifying and see the loan through to closing. Conv., FHA, VA mortgage loans.

04/2010-09/2010: Loan Network LLC,

Corporate Office: 1600 Lind Ave. SW, Ste. 180, Renton, WA 98057, 425-***-****

Branch Location: 3617 Plaza Way Ste H. Kennewick, WA 99338. Senior Loan Officer Loan, working with clients to indentify the right loan program for their particular needs. I originated FHA/VA,USDA and conventional loans.

01/2009-04/2010: Sound Mortgage, LLC,

Corporate Office: 815 S. 336 St. Federal Way, WA 98003, 253-***-****

Branch Location: 3617 Plaza Way Ste H. Kennewick, WA 9938. Loan Originator of FHA, VA, Conv, Mortgage loans. Loan origination and making sure that customer did fit into the qualifying guidelines.

10/2005-08/2008: Morgan Financial Inc., DBA Sun West Mortgage Services.

Corporate Office: 935 NW 19th Ave. Portland, OR 97209 503-***-****

Branch Location: 1010 Pennsylvania St. Richland, WA 99352 Senior Loan Originator working through the loan application process. Explaining the loan documents and seeing the loan through to closing. Loan products offered FHA/VA, USDA and Conventional loans.

09/2002-12/2003: Home Loan Center a division of Mann Mortgage LLC.

Corporate Office: 1220 Whitefish Stag, Kalispell, MT 59901

Branch Location: Loan Advisor/Branch Manager working with clients to find the right mortgage loan product that best suit their needs, providing origination of FHA, VA and Conventional residential Mortgages.

01/2002-9/2002: Raymond James Financial Services - Independent Financial Advisor & Columbia Western Mortgage Company – Loan Officer.

Branch Location: 7411 W. Clearwater Ave., Kennewick, WA 99336. 509-***-****. worked with clients to set up and maintain their investment portfolio as a licensed FA through Raymond James. Columbia Western Mortgage Co.

06/2001-01/2002 Financial Advisor - Waddell & Reed

Branch Location: 8203 W Quinault Ave. Kennewick, WA 99336 509-***-****

Advising and assisting clients regarding financial plans and investments. Retirement Plans, College Education Plans, Annuities, Long Term Care and Life Insurance. Advising client’s with investment planning to meet their financial goals and objectives, on a very personalized level.

10/2000-04/2001 Branch Manager - Bank of Idaho

Corporate Office: 399 N Capital Ave, Idaho Falls, ID 83403, 208-***-****

Branch Location: Clearwater Ave. Kennewick WA. 99336. Responsibilities included Management of a staff of four full time employees; Promotion of the positive image of the bank in the community through public relations and community involvement; Maintaining priorities in sales, customer service and bank compliance; and the overall operations and budget of the bank branch.

04/1997-05/1998 Loan Officer-US Bank

Corporate Office: 80 S 8th St. Ste. 224, Minneapolis, MN, 55402, ***-**-****

Responsibilities included Loan origination of Conventional, VA, FHA, and special programs for moderate to low-income housing, public relations and sales.

10/1995-03/1997 Loan Officer - Columbia Western Mortgage

Responsibilities included Loan origination of Conventional, VA, and FHA home loans. Conducting seminars and networking with realtors and other prospective business clients. Position was 100% commission, requiring highly motivated sales.

10/1994-09/95 Loan Officer - Jameson Group, Inc.

Opening and operating a new office in Kennewick, WA. Origination of Conventional, FHA/VA and new construction mortgages. On site lender for LaPierre / Sherman, new construction loans, all aspects of running the Tri-Cities office.

9/1990-02/1991 Loan Officer - TransWestern Mortgage

Responsibilities included Loan origination, Closer, and Processor. TransWestern sold company shortly after I arrived. The new company did not keep the Tri Cities office and I returned to college.

06/1988-08/1990 Loan Processor - Frontier Federal Savings and Loan

Responsibilities included Loan Processing, Conventional, FHA, VA, and Construction loans. Frontier Federal Closed in October 1990.

References available upon request

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