TINA RIPPLE

Imperial, MO *****

314-***-**** - ad4ezj@r.postjobfree.com

PROFESSIONAL SUMMARY

Organized Mortgage Loan Officer with over 20 years of experience in mortgages, customer service and real estate. Adept at mathematical accuracy and following financial regulations. With my mortgage experience comes an extensive knowledge of understanding real estate contracts, title, survey and appraisals. SKILLS

Economics Understanding

Customer service-focused

Loan Portfolio Monitoring

Loan Feasibility Assessment

Property Evaluation

NMLS Registration

Decision-Making

Product Education

Regulatory Disclosure Preparation

Income Evaluation

Document Review

Credit File Updating

Loan File Maintenance

Financial analysis aptitude

Licensed Mortgage Loan Originator

Sales Development

Loan Processing Coordination

Residential mortgage lending

regulations

Customer Relations

Client Counseling

Remote Video Conferencing

Marketing expertise

Customer Service

Creditworthiness Determination

Microsoft Office

Market Analysis

Remote Office Availability

Problem-Solving

WORK HISTORY

03/2018 to Current Mortgage Loan Officer

USA Mortgage – Arnold, MO

Fielded customer complaints and provided solutions. Increased loan approval rates by efficiently managing pipeline and maintaining strong relationships with borrowers, referral partners and underwriters. Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.

Analyzed potential risks and evaluated loan products to identify suitable options for customers.

Explained different types of loans pertaining to client situations. Utilized CRM software proficiently for tracking leads, organizing client information, and planning follow-up communications. Organized educational seminars for prospective homebuyers, increasing company visibility in the community.

Participated in industry events and conferences to build relationships and gain market intelligence.

Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.

Assisted clients in selecting correct loan product and terms to meet needs and financial goals.

Negotiated favorable terms on behalf of clients, ensuring their long-term financial success with their mortgage loans.

Analyzed loan applications and credit reports to determine loan eligibility and risk level.

Managed risk effectively by adhering closely to compliance guidelines during all stages of the loan origination process.

Evaluated loan requests and documents to verify accuracy and completeness. Identified opportunities to cross-sell and upsell loan products to customers. Optimized sales strategies by analyzing team performance metrics and implementing data-driven improvements.

Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.

Developed and maintained relationships with customers, lenders and other third parties.

Participated in ongoing professional development programs to continuously expand knowledge of the mortgage industry and enhance skills as a loan officer. Mentored junior loan officers to improve team performance and meet organizational goals.

Negotiated loan terms and conditions with customers to secure best deal. Increased loan approval rates by efficiently managing pipeline and maintaining strong relationships with borrowers, referral partners, and underwriters. Streamlined the loan application process for improved customer satisfaction and a higher volume of closed loans.

Checked loan documents for accuracy prior to closing. Supervised loan personnel and motivated to maintain customer service and performance standards.

Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.

Proactively identified solutions for customers experiencing credit issues. Developed strong partnerships with local real estate agents to generate consistent referral sources for mortgages.

Worked with underwriters to fix application problems and resolve issues. Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.

Researched and updated industry knowledge on changing legislation and regulations.

Maintained a comprehensive knowledge of current industry trends and regulatory changes to provide expert guidance for clients.

Reviewed loan files and updated to match current standards. Conducted thorough market research to identify new business opportunities within target demographics.

Approved loan applications based on customer creditworthiness and provided detailed financial advice.

Developed extensive network of referral partners to source new mortgage loan opportunities.

Negotiated loan terms and conditions with clients to maximize profitability. Established plans and payoffs for customers' loans, prioritizing control of overall costs.

Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.

Followed up with clients on missing loan documents, providing guidance on best way to complete application process.

Review title and survey to ensure clean title for clients. Review appraisal to ensure value is met per contract. Review real estate contract to make sure it meets lending requirements. Developed and implemented marketing campaigns to generate new business opportunities.

04/2017 to 03/2018 Branch Manager

Primary Residential Mortgage – St Louis, MO

01/2016 to 04/2017 Mortgage Loan Officer

Supreme Lending – Arnold, MO

12/2009 to 01/2016 Mortgage Loan Officer

USA Mortgage – Arnold, MO

EDUCATION

05/1998 Bachelor of Science: Geography

Northwest Missouri State University - Maryville, MO

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