Tina Edge

Senior Mortgage Loan Officer

***- ***-**** ad2aa2@r.postjobfree.com Chattanooga, TN 374**-******** CAREER OBJECTIVE

Result oriented professional with over 30 years of successful experience in the mortgage industry. Top- performer with track report of consistently meeting or exceeding goals and customers expectations. Ability Summary Sell financial services, such as loan, tax, and securities counseling to customers of financial institutions and business establishments. EXPERIENCE

MORTGAGE LOAN OFFICER, Boone, NC

Southern Trust Mortgage LLC, January 2006-July 2022

• Analyzed applicants' financial status, credit, and property evaluations to determine feasibility of granting loans. Managed pipeline of loans from pre-qualification through closing while ensuring high levels of customer service were met throughout the entire process.

•

Developed and maintained relationships with customers, real estate agents, title companies, appraisers and other industry professionals to ensure successful loan closings.

•

• Built relationships with real estate agents, businesses, and other referral sources. MORTGAGE LOAN OFFICER, Mooresville, NC

Movement Mortgage, December 2021-July 2022

• Negotiated terms between lender and borrower that satisfied both parties' needs.

• Stayed abreast of new types of loans and other financial services and products to better meet borrowers' needs. Conducted in-depth interviews with borrowers to determine financial goals and objectives, as well as their current income and assets for underwriting purposes.

•

• Maintained current knowledge of local and federal laws, regulations and guidelines related to mortgages. MORTGAGE LOAN OFFICER, Charlotte, NC

Atlantic Bay Mortgage Group, October 2020-December 2021

• Explained to borrowers different types of loans and credit options available and terms of services. Utilized advanced knowledge of Fannie Mae and Freddie Mac guidelines to accurately assess borrower qualifications for loan programs.

•

• Created marketing materials such as flyers and brochures outlining services offered by the company. Managed pipeline of loans from pre-qualification through closing while ensuring high levels of customer service were met throughout the entire process.

•

MORTGAGE LOAN OFFICER ASSISTANT, Hickory, NC

Alcova Mortgage, January 2020-April 2020

• Processed loan applications according to established procedures while adhering to compliance standards. Collaborated with real estate agents, title companies, appraisers and other third-party vendors throughout the loan process.

•

• Compiled required documentation such as tax returns, credit reports, bank statements and pay stubs.

• Verified borrower's income, assets and liabilities to ensure they meet lending requirements. MANAGER, Charlotte, NC

Wells Fargo Home Mortgage, September 2018-December 2019

• Mentored and trained new employees on company policies and procedures.

• Monitored sales activities and identified opportunities for improvement, displaying keen analytical skills.

• Conducted research into new products or services that could benefit the organization's bottom line.

• Liaised regularly with upper management to ensure alignment of goals and objectives.

• Orientated and trained employees, encouraging confidence and helping individuals adapt faster to job roles. MORTGAGE LOAN OFFICER, Charlotte, NC

Movement Mortgage, October 2017-September 2018

Researched various types of mortgage options available from different lenders in order to provide customers with best possible solutions for their unique situation.

•

Provided detailed explanations of mortgage products available to potential borrowers in order to assist them in selecting an appropriate loan program.

•

Attended seminars or webinars related to mortgage banking topics such as new regulations or changes in lending policies.

•

• Built relationships with real estate agents, businesses, and other referral sources. Analyzed customer credit reports to evaluate creditworthiness and risk factors associated with each loan application.

•

• Met with borrowers to educate on loan process and obtain information for loan applications. Reviewed financial documents including tax returns, bank statements, pay stubs and other applicable documents to verify accuracy of information provided by the borrower.

•

COMPANY OWNER, STATESVILLE, NC

EDGE MORTGAGE COMPANY, September 2003-March 2008

• Oversaw daily operations, ensuring compliance with all relevant laws and regulations.

• Created business plans, forecasts and budgets to drive short and long-term growth strategies.

• Maintained positive relationships with customers through excellent customer service practices.

• Negotiated contracts with vendors to secure favorable terms and pricing structures.

• Oversaw staff by hiring and terminating, creating schedules, and tracking payroll. TITLE CLERK, STATESVILLE, NC

EDGE MOTOR COMPANY, February 1997-March 2006

• Handled titles, written contracts and certified documents for sale transfer and purchase of vehicles.

• Demonstrated ability to communicate effectively with customers regarding their title needs. Processed and registered vehicle warranties and extended service contracts, maintaining log of contracts processed and mailed.

•

• Aptitude for staying abreast of changes in state laws governing motor vehicle titles and registrations.

• Proficient in filing and organizing documents, such as title applications and records.

• Able to work independently or collaboratively with other team members in a fast-paced environment. MORTGAGE LOAN OFFICER, STATESVILLE, NC

BANK OF AMERICA, October 1999-September 2003

• Used consultative selling techniques to advise clients on mortgage loan options and other financial products. Developed and maintained relationships with customers, real estate agents, title companies, appraisers and other industry professionals to ensure successful loan closings.

•

Managed pipeline of loans from pre-qualification through closing while ensuring high levels of customer service were met throughout the entire process.

•

• Provided technical guidance or support when needed during difficult transactions. Conducted in-depth interviews with borrowers to determine financial goals and objectives, as well as their current income and assets for underwriting purposes.

•

EDUCATION

ASSOCIATE IN SCIENCE (A.S.) IN BUSINESS/ACCOUNTING, Statesville, NC Mitchell Community College, May 1996

SKILLS

Client Interviews Real Estate Appraisal Desktop Underwriting Expertise Knowledge Of VA Loan Process Applicant Counseling

CERTIFICATIONS

• Nationwide Mortgage Licensing System #85826

REFERENCES

References available upon request

Contact this candidate