Jacob M. Cohen, MBA

**** **** ****** ****, ******** Al 35242 (205) 613 - 4717 www.linkedin.com/in/jacobknowsmortgage ad3icz@r.postjobfree.com

Profile

I am currently a Mortgage Loan originator at American Pacific Mortgage. I have 18 years of Mortgage/Banking experience. I consider myself a friendly, outgoing team player who has a knack for detail and getting things done. My past experiences and education has prepared me for whatever challenges or roles I may face in the future. I am very passionate about helping and teaching others and making sure that all bases are covered.

Experience

LOAN OFFICER AMERICAN PACIFIC MORTGAGE FEBRUARY 2023 - PRESENT

· Worked with home buyers looking to buy, build, renovate or refinance their home

· Maintain and grow a professional COI network with referral partners

· Profiled clients and formulate solutions for home buyers when needed

· Coordinated with my team on multiple fronts for each transaction to assure a smooth and flawless closings

· Specialized in assisting Self - Employed borrower (educated them on income qualification)

· Consulted with borrowers to help improve their credit to get them in position to buy a home

· Communicated complicated concepts to clients in a thoughtful way using non-jargon language

· Leveraged past clients, referral partners and social media to grow my business

· Assisted and helped organize multiple open houses with my realtor partners

· Completed on average 30+ outbound phone calls per day to prospective clients and referral partners

· Organized multiple seminars/continued education classes as a licensed state instructor with the Alabama Real Estate Commission

o Examples of work: Credit and Credit Repair, Specialty Lending, Construction Lending etc.

· Referred Commercial Loans to our Commercial Lending department and other lenders in Birmingham such as Multi-Family, Owner Occupied and Business Lines of Credit LOAN OFFICER GOLDWATER BANK SEPTEMBER 2015 – JANUARY 2023

· Helped start the Crew Lending (under GWB) brand with my previous manager Trey Callegan

· Specialized in assisting Self Employed Borrowers

· Assisted homeowners in their pursuit of buying, building, renovating or refinancing their homes

· Coached clients on multiple fronts to help improve their credit to help improve their odds of qualifying for a home loan

· Trained and assisted with onboarding new Loan Officers and coaching them on Social Media best practices

· Advised and consulted Reverse Mortgage clients on the features and benefits of Home Equity Conversion Mortgages

· Organized multiple seminars/continued education classes as a licensed state instructor with the Alabama Real Estate Commission

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o Examples of work: Credit and Credit Repair, Specialty Lending, Construction Lending etc LOAN OFFICER NETWORK FUNDING FEB 2014 – AUGUST 2015

· Helped homeowners achieve their goals of purchasing, construction, renovating, or refinancing their homes

LOAN OFFICER ASSURANCE FINANCIAL JUNE 2011 – FEB 2014

· Helped homeowners achieve their goals of purchasing, construction, renovating, or refinancing their homes

BRANCH REP BBVA COMPASS MARCH 2007 – JUNE 2011 Sr Financial Consultant March 2007 – July 2010

· Set up basic financial products such as checking, savings and money market accounts

· Call block on a daily basis due to the lack of traffic at the Liberty Park location

· Encouraged and coached teller line on how to look for potential clients whether it be loans or investments

· Profiled numerous clients for financing needs as well as looked for investment opportunities

· Dealt with primarily Preferred One and Preferred Two clients which are considered high valued clients

· Used the Compass Bank online contact Management System (CRM) to track and record contact with prospective clients on a daily basis

· Began taking and processing Mortgage Refinance and Purchase loans 4th quarter 2009 Preferred Relationship Manager Aug 2010 – June 2011

· Worked a client data base of mid-high valued clients. I had my Life and Health License as well as my Series 6. This allowed me to sell fixed and variable retirement products to clients

· Assisted our client base with opening and managing financial products such as money markets, certificate of deposits, home equity lines/loans, business equity lines/loans

· Encouraged and coached teller line on how to look for potential clients whether it be loans or investments.

· Advised and Set up Business Lines of Credit for prospective clients looking for financing for their small business

BRANCH SPECIALIST/BRANCH ASSISTANT AMSOUTH/REGIONS JULY 2005 – MARCH 2007

· Assisted clients with bank activities/customer service and product cross sell.

· Referred Business Lending, Home Equity Lending, Deposit accounts to private banking department

· Excelled in home equity lending

· Profiled numerous clients for financing needs as well as looked for investment opportunities Page 3

Education

BACHELOR OF SCIENCE IN BUSINESS ADMINISTRATION, FINANCE CONCENTRATION MAY 2005 UNIVERSITY OF ALABAMA, TUSCALOOSA

MASTERS IN BUSINESS ADMINISTRATION AUGUST 2012 UNIVERSITY OF ALABAMA IN BIRMINGHAM

Skills & Abilities

· Finance and economics background

· Strong communication skills

· Problem Solver

· Customer Service

· Proficient in Excel, Word, PowerPoint

· Strong Presentation Skills

· Working with mid-high valued clients

· Credit Analysis

· Strong Outbound calling skills

· Attention to detail

· Organization skills

· Client education

· Team collaboration

· LinkedIn marketing

· Remote Presentation

· Consumer Portfolio Management

· Customer Relationship Management

Activities and Interests

Exercising, spending time with family, watching old movies and further growing myself as a person.

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