DARRYL GARTH

**** ***** **** **, *******, GA ****9 * 678-***-**** *

ad29b5@r.postjobfree.com

OBJECTIVE:

I am seeking a competitive and challenging environment where I can serve your organization as a consultant,

financial analyst or in sales as it relates to small business, banking, real estate or in the mortgage industry.

SKILLS

Excellent Analyzing Small Business Documents Excellent Customer Service/listening Skills

Excellent in Sales and Negotiations Strong Underwriting skills

Strong Loan Origination and structure skills Excellent Time Management Skills

Detailed Trainer for New Hires in Sales Client Services/Call Center/Legal Specialist

Skilled at reviewing Financials Word, Excel, Power Point

PROFESSIONAL EXPERIENCE

Loan United (02/2022 – Present)

Mortgage Loan Originator

Originating loans from inbound live transfer leads to purchases and refinances

Originating FHA, VA, Conventional and USDA as well as HELOCS, and Reverse Mortgages

Calling leads from Velocify lead system que at least three times a day or until contact is made with results

Efficient in Encompass, and Calyx, and have worked several proprietary originating systems as well

Collecting financial and tax documents for processing as well as disclosures for submission of loans

Responsible for structuring, pricing and seeking underwriting approval through desktop underwriter or Loan

prospect

Cardinal Financial LLC (02/2021-02/2022)

Loan Supervisor/Coordinator/LO

• Responsible for assisting Lo's in constructing loans and reviewing income docs

• Responsible for the producing and generating loans for FHA, Conventional, and USDA, and VA

• Responsible for maintaining and managing a pipeline of at least 4.5 million a month between 3 Lo's

• Assisting Lo's in solving problems from Credit issues, and or helping in clearing underwriting conditions

American Eagle Mortgage Company/LendUS-(07/2020-02/2021)

Branch Manager

• Recruiting Loan Officers to build a brand

• Produce Loans also through past contacts and relationships with current Realtors

• Financially responsive for the Branch's cost while effectively adding and increasing the bottom line

American Equity Mortgage-(03/2018-06/2020)

Loan Officer

• Responsible for originating FHA, VA and Conventional Mortgages

• Average closing seven to ten loans a month

• Reviewed all post-closing documents, HUDl, Prelim, Note, and Deed, to ensure policies

• Reviewed all sensitive closing loan documents for all types of loans, FHA, Conventional, and VA

American Home Mortgage-(07/2017-03/2018)

Senior Team Lead (Licensed Load Originator)

• Lead a team of six individual loan originators in the sales of Mortgage Loans

• Assist in marketing for the team and restructuring loans

• Solving problems for the originators and trained on new products and procedural changes

• Responsible for team generating three to five million a month in volume

• Originating over one million in volume for realtors, and other related clients and referrals

Annie-Mac Mortgage, Alpharetta, GA (08/2016-06/2017}

Licensed Mortgage Loan Originator - GA & FL

• Collects financial documents, and tax returns to analyze for Loan Submission

• Specializing in originating Loans in Encompass

• Originating and specializing in FHA, VA, USDA, Conventional and Non-Conventional Mortgages

• Effectively establish and manage a large mortgage loan pipeline

• Maintain compliance with the S.A.F.E. Mortgage Licensing Act and all related regulations

• Demonstrates excellent customer service, sales and negotiating skills

• Possess NMLS license/registration

Can Capital -Capital Access Network (03/2014- 07/ 2016)

Business Funding Analyst/ Lead II

• Consulted small businesses on different funding options

• Analyzed small business documents and recommended ways to enhance their business

• Gathered and received business documentation and reviewed for funding

• Evaluated business platforms for startup business and advised on directing to other platforms

First Century Bank, N.A. / Alpharetta, GA (10/2012-02/-2014}

Loan Originator

• Responsible for originating FHA, VA, and Conventional Mortgages

• Average closing seven to ten loans a month

• Reviewed all post-closing documents, HUDl, Prelim, Note, and Deed, to ensure policies

• Reviewed all sensitive closing loan documents for all types of loans, FHA, Conventional, and VA

Focus Receivables Management - Collections (12/2011-10/2012}

Collections Specialist

• Responsible for collecting on Bank of America and Wells Fargo Charged off Debt

• Collected on debit card products, commercial, and home equity

• Collected over 128k in gross dollars for the year

• Very known legible of FDCPA laws along with mini-Miranda law

• Experienced on the dialer system and free dial

Home Savings of America FDIC- Mortgage Banker (2010-2011)

Loan Officer

• Responsible for originating loans through inbound and outbound calls in all states

• Closed over 13 million in volume in both FHA and Conventional mortgages

• Well diverse in Calyx/Encompass LOS systems

• Responsible for collecting over 84k in fees and revenue for 2010

DUCATION

niversity of Tennessee at Knoxville -Major: Finance (1988-1990}

pecial Licensing Licensed Mortgage Broker for Florida 2007 ***

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