Licensed Loan Officer
Resume:
Joseph Dunbar
New Baltimore, MI *****
ad2spd@r.postjobfree.com
Education:
• Bachelors of Business Administration (2019)
• Associates in general studies (2016)
• Associates in general science (2016)
• High school Diploma (2008)
Overview:
• Business administrative specialist
• Mortgage experience (operations/sales)
• 4 years active duty military service (United States Marine Corps) 2008-2012
• 2 Afghanistan deployments
• Security specialist with a keen eye for detail
• Capable of defusing uncomfortable/confrontational situations
• Proficient using Microsoft office (word, excel etc)
• Exceptional computer and internet skills
Business professional with 4 years of experience in the United States Marine Corps, attached to the 2nd Light Armored Reconnaissance Battalion. Worked for the number 1 Lender in America for 3 years (UWM), primarily as a Closing specialist. Immaculate security specialist with a keen eye for detail. 3 college degrees, with my major in Business Administration. Between 2008-2012, I deployed on two separate occasions (09-2011) across the globe to Afghanistan, enhancing the ability to foster relationships with foreign agencies and accomplish International objectives. A dedicated and experienced professional who balances the necessity, protecting people and property, with the need to maintain good relationships with customers and the public. Exceptional computer and internet skills, with a strong understanding of business efficiency methods, and immense dedication to reducing the red tape that can cause business issues. Works well with all levels of management. Equally capable of working alone or as a member of a team. Proactive problem solver and analytical thinker who is comfortable and confident, taking the initiative.
Willing to relocate: Anywhere
Authorized to work in the US for any employer
Work Experience
Junior Loan Officer
Central Mortgage Funding - Southfield, MI
June 2023 to Present
• Reaching out to consumers via credit inquiry, and assist accordingly
• Relentless determination to obtain and transfer leads to offer the best rate/Loan type available to the consumer
• Work alongside senior LOs, and assisting as needed Change of Circumstances
United Wholesle Mortgage - Pontiac, MI
February 2023 to June 2023
Change of Circumstances job priority is to make significant changes to a loans parameters:
• Loan structural changes (loan amount, appraised value, sales price, program/product change etc)
• Date compliance per TRID guidelines for numerous entities
• Manual fee adjustments (some may result in tolerance)
• Verbally communicating the reasoning as to why something, in any way negatively impacts the client
• Many grey areas where critical thinking is crucial
• Following up with clients for structural loan changes that are considered an ‘Invalid’ product, per TRID
• Determining whether a tolerance is true (broker responsible dollar amount)
• Identifying and addressing secondary adjustments, in which were a result from satisfying the first
(domino effect on loan structure/parameters/fees)
Account Executive
United Wholesle Mortgage - Pontiac, MI
July 2022 to April 2023
Account executives work directly with the clients, and quarterback them throughout UWM’s mortgage process.
• Contact clients daily
• Clients most reliable source of contact
• Coordination specialist from rate lock through post-closing
• Advising clients how to utilize UWM perks (partner points)
• Sell any and all products/programs UWM offers, to remain a top contender for wholesale lending Closing Specialist
United Wholesle Mortgage - Pontiac, MI
October 2020 to February 2023
Closing operation specialists, work directly with brokers and Title agents over the phone. Job duties:
• coordinate and resolve any conditions preventing the loan from funding.
• Balance closing disclosures
• Follow TRID guidelines and hold other parties accountable
• Manually send/release wires to Title companies (funding)
• Assuring all fees are added/included per compliance and consist of an invoice when required
• Deciphering the different TRID guidelines for all loan types (FHA, VA, Conventional, Correspondent, USDA, Elite High Balances etc)
• Problem solving (passing QM, consolidation of fees while maintaining integrity and compliance)
• Provide quality service with proper CCP (client preference)
• Adapt to TRID and state guidelines that continuously change Rigger/Pipe Fitter
Zachary Construction Corporation
August 2019 to February 2020
Rigging consisted of supporting and assisting the assigned team or crane if you will, by staging materials and necessary tools to achieve each work load safely and effectively. Assists with manipulating rigging lines, hoists and pulling gear in order to move or support heavy equipment while lifts are being conducted. Responsible for retrieving all necessary tools, enabling operators and other riggers to complete day to day tasks. October 2019, I switched crafts and worked directly under the Pipe Department. Pipe fitting consisted of the assembling, layout, installation, and maintenance of various piping systems. Which included maintenance for pneumatic and hydraulic equipment for industrial production usage. During that time, I was responsible for helping other fitters attach pipes to walls, fixtures, steel flanges, and various different structures. My main resources consisted of a wide array of various tools Brackets, clamps, welding equipment, grinders (numerous sizes). I chose to switch to pipe fitting, because it is a lucrative craft and more rewarding in regards to marketability within the industry. Pipe Fitting requires you to implement and utilize other craft skill and knowledge, with the patience and preciseness for accurate and tedious work.
Manager / Key Holder
Vitamin Shoppe
February 2019 to August 2019
Oversaw opening and closing operations of a three person team, ensuring the store remained in compliance with current company policies and procedures. Managed operational costs by spearheading inventory control, leading, up to date shipping department activities, as well as meeting wage targets. Maintained regular store maintenance, followed loss prevention standards, ensured timely processing of receipts, kept shelves full and processed products priced accordingly. I fostered an environment of continuous education, while supporting the company driven training initiatives. Ensured all employees participated in continuous learning activities, and providing accurate health knowledge to customers. Maintained integrity via selling methods to remain within DSHEA compliance (Dietary Supplement Health and Education Act of 1994).
Assistant Manager
General Nutrition Center
May 2018 to February 2019
Assisted in the hiring, training and coaching to develop the topmost performing employees. Assisted management with all applicant screening. Tracked performance data for our assigned store and made necessary adjustments to productivity and efficiency. Lead a two person team of high performing Health Enthusiasts who supported a healthy lifestyle of others. Ensured all employees had a full and clear understanding of all store communications to include product information, advertising, promotions and other marketing initiatives. Responsible for ordering merchandise and supplies to maintain appropriate inventory levels, according to GNC guidelines to maximize sales and maintain store appearance. Partnered with Loss Prevention to ensure adherence to GNC policies and procedures were maintained and followed at all times. My store achieved Top 10 in Sales, in District 9, for two consecutive quarters. Security Guard
G4S Secure Solutions, Chrysler HQs
October 2015 to May 2016
Conducted regular patrols onsite and ensured visibility of all buildings and outside entities at the Chrysler/ Fiat Headquarters in Auburn Hills, MI. Monitored the facility to ensure there was always deterrent and security plan in place and enforced. Observed facility and identified any activities which may cause damage to property, a client or employee. Regularly checked locks, windows and equipment to ensure there was no evidence of tampering. Recorded all data such as property damage, unusual occurrences and malfunctioning of equipment. Patrolled area of operation and manned post per security management. Assisted FCA personnel with proper instructions and directions during emergency situations, and ensured proper contingency plans were implemented safely. Conducted thorough identification checks of each individual attempting to enter the premises, including shipments from outside entities, which included a vehicle inspection to ensure no contraband or banned items/materials would enter the facility.
0341 Infantry Mortar Section Leader
United States Marine Corps - Camp Lejeune, NC
September 2008 to September 2012
Carried Out Orders of the 81MM Team Leader
United States Marine Corps
May 2009 to November 2009
Carried out orders of the 81mm Team Leader. Performed assigned tasks as a Gunner in the Weapons Platoon. Maintained the condition, care and maintenance of the assigned personnel, weapons systems and equipment, which included Light Armored Reconnaissance Vehicles (LAV's). Performed operator level maintenance, proficiency, and functions checks on the M252 81 mm Mortar weapons system. Cross trained as a 0313 LAV crewman, performing assigned duties of vehicle maintenance as well as accountability and proficiency of all nomenclatures and diagnostic checks on the LAV-M (Light Armored Vehicle- Mortar) to include the LAV's electrical and communication equipment (Intercom system, VHF SINCGARS Radios, vehicle mounted antenna). During my four year enlistment, I deployed twice to Afghanistan (May 2009-November 2009, May 2011-November 2011). I received a Meritorious Mast award
(2010), for exceptional leadership skills and extreme proficiency at ones duty. After four years of active duty, I received an honorable discharge.
Education
Bachelor's Degree in Business Administration
University of Mount Olive
2019
Associates Degree in General Studies
Oakland Community College
2016
High school diploma
Rochester Adams High school
2008
Skills
• Leadership and Supervision Experience
• Time Management
• Excellent Interpersonal, Written and Verbal Communication skills
• Determined and Competent learner
• Excellent Customer Service
• Team Player
• Proficient in Microsoft Word, Excel, PowerPoint and similar programs
• Loss Prevention
• Blueprint Reading
• Mechanical Knowledge
• Security
• Mechanic Experience
• Account Management
• Salesforce
• Accounting
• Analysis skills
• Communication skills
• Manufacturing
• Mortgage servicing (2 years)
• Escrow
• Fair Housing Regulations
• Underwriting
• Computer Networking
Military Service
Branch: United States Marine Corps
Rank: E-4
Awards
Meritorious Mast
June 2010
The Meritorious Mast is a formal and ceremonial acknowledgment recognizing an enlisted person being awarded a Letter of Appreciation, Certificate of Commendation, or a personal decoration whenever personal performance is considered noteworthy or commendable beyond the usual requirements of duty by a demonstration of exceptional industry, judgment, or initiative. A Meritorious Mast is conducted in exceptional cases of award.
Certifications and Licenses
Secret Clearance
Pre-licensing Loan officer Course
20 hour MI SAFE Comprehensive Mortgage Pre-licensing Loan Officer Course
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