Mortgage Loan Risk Assessment
Resume:
Angela Redding
Zephyrhills, FL *****
ad5qc7@r.postjobfree.com
Dedicated and results-driven Lending Manager with a proven track record of successfully managing and optimizing lending operations. Seeking to leverage my extensive experience in risk assessment, loan origination, team leadership, and customer relationship management to contribute to a dynamic financial institution's growth and profitability. Committed to delivering exceptional service, minimizing credit risk, and achieving lending goals while fostering a culture of teamwork and compliance. Results-driven lending management professional with 26 years of experience in the financial industry, demonstrating a consistent track record of achieving and exceeding lending targets. Proven expertise in managing loan portfolios, risk assessment, and team leadership. Adept at developing and implementing lending strategies to drive revenue growth and ensure compliance with regulatory standards.
Work Experience
Mortgage Loan Processor
Stockton Mortgage Corporation - Zephyrhills, FL
October 2023 to Present
Play a crucial role in the loan origination process by gathering and verifying borrower information, ensuring all necessary documentation is complete and accurate, and liaising between loan officers, underwriters, and borrowers to facilitate a smooth loan approval process. Responsibilities include but are not limited to reviewing loan applications, ordering credit reports and appraisals, verifying income and employment information, and preparing loan files for underwriting review. Communicate with borrowers to request additional documentation and provide updates on the status of their loan applications. Strong organizational skills, attention to detail, and knowledge of mortgage lending regulations. Effective communication and customer service skills to maintain positive relationships with clients and colleagues throughout the loan process.
Branch Manager/Mortgage Loan Originator
Clear Mortgage, LLC - Oxford, FL
March 2023 to October 2023
• Efficiently manage, strategize, and lead work operations to surpass portfolio metric targets.
• Proficient in overseeing all aspects of loan portfolios, including origination, underwriting, and servicing. Successfully managed portfolios with a combined value of $300 Million.
• Accountable for overseeing the entire mortgage process, encompassing both conforming and nonconforming loans.
• Demonstrated ability to develop and execute lending strategies that align with organizational goals. Implemented innovative approaches to expand lending programs and increase profitability.
• Conducting file underwriting to ensure compliance with the latest laws, regulations, and business processes.
• Skilled in assessing credit risk and implementing effective risk mitigation strategies. Proven record of minimizing lending losses through thorough analysis and risk management practices.
• Strong leadership and team-building skills with experience in managing and mentoring lending teams. Fostered a culture of collaboration, accountability, and continuous improvement, resulting in improved team performance.
• In-depth knowledge of lending regulations, ensuring full compliance with federal and state laws. Successfully managed audits and maintained a clean record of regulatory compliance.
• Provide credit repair counseling to clients.
• Effective communicator with a customer-centric approach. Built and maintained strong relationships with clients, ensuring high levels of customer satisfaction and repeat business.
• Proficient in financial statement analysis, cash flow modeling, and risk assessment. Utilized data- driven insights to make informed lending decisions.
• Design and implement effective training programs for new hires.
• Handle mortgage file processing.
Loan Originator Assistant
Lending Path Loan Partner - Columbia, SC
August 2020 to March 2023
• Efficiently manage, strategize, and lead work operations to surpass portfolio metric targets. Successfully executed the full spectrum of mortgage origination and processing tasks, encompassing borrower qualification, product selection, and sales, comprehensive package setup and compilation, and efficient pipeline management.
• Skilled in assessing credit risk and implementing effective risk mitigation strategies. Proven record of minimizing lending losses through thorough analysis and risk management practices.
• Accountable for overseeing the entire mortgage process for both conforming and nonconforming loans.
• Perform file underwriting to ensure compliance.
• Demonstrated ability to develop and execute lending strategies that align with organizational goals. Implemented innovative approaches to expand lending programs and increase profitability.
• Strong leadership and team-building skills with experience in managing and mentoring lending teams. Fostered a culture of collaboration, accountability, and continuous improvement, resulting in improved team performance.
• In-depth knowledge of lending regulations, ensuring full compliance with federal and state laws. Successfully managed audits and maintained a clean record of regulatory compliance.
• Provide credit repair counseling to clients.
• Effective communicator with a customer-centric approach. Built and maintained strong relationships with clients, ensuring high levels of customer satisfaction and repeat business.
• Proficient in financial statement analysis, cash flow modeling, and risk assessment. Utilized data- driven insights to make informed lending decisions.
• Source and onboard new talent.
• Designated as the Lead Trainer for all incoming personnel. Branch Manager
One Main Financial (fka CitiFinancial) - Ocala, FL July 1999 to July 2021
• Efficiently manage, strategize, and lead work operations to surpass portfolio metric targets.
• Execute comprehensive mortgage origination and processing tasks, encompassing borrower qualification, product selection, and sales, package setup and compilation, and pipeline management, among other responsibilities.
• Skilled in assessing credit risk and implementing effective risk mitigation strategies. Proven record of minimizing lending losses through thorough analysis and risk management practices.
• Accountable for overseeing the entire mortgage process, encompassing both conforming and nonconforming loans.
• Demonstrated ability to develop and execute lending strategies that align with organizational goals. Implemented innovative approaches to expand lending programs and increase profitability.
• Create, execute, and supervise branch collection strategies and recovery action plans.
• Strong leadership and team-building skills with experience in managing and mentoring lending teams. Fostered a culture of collaboration, accountability, and continuous improvement, resulting in improved team performance.
• In-depth knowledge of lending regulations, ensuring full compliance with federal and state laws. Successfully managed audits and maintained a clean record of regulatory compliance.
• Design personalized loan production and business development achievement models for individuals and branches.
• Effective communicator with a customer-centric approach. Built and maintained strong relationships with clients, ensuring high levels of customer satisfaction and repeat business.
• Conduct interviews, select, and train candidates to meet office staffing needs.
• Selected as one of eight leaders to serve on the Business Development Council tasked with creating and implementing a new company Business Development Guide, which outlined an enhanced process for achieving District production objectives.
• Proficient in financial statement analysis, cash flow modeling, and risk assessment. Utilized data- driven insights to make informed lending decisions.
• Traveled as a relief manager, covering multiple locations in Florida and Georgia.
• Serve as an interim District Manager for the Southeast Florida District when required.
• Attained the highest net income over expenses recognition across the entire state of Florida.
• Market, underwrite, approve, and manage collateralized and unsecured loans. Education
Lake Sumter State College
January 1998 to December 1999
Tavares High School - Tavares, FL
January 1992 to December 1992
Skills
• Sales Pipeline
• Risk Management
• Negotiation
• Loan Origination
• Loan Officer Experience
• Financial Services
• Management
• Fair Housing Regulations
• Salesforce
• Underwriting
• Business Development
• Relationship Management
• Credit Analysis
• Results-driven lending management professional with 26 years of experience in the financial industry,
demonstrating a consistent track record of achieving and exceeding lending targets. Proven expertise in
managing loan portfolios, risk assessment, and team leadership. Adept at developing and implementing
lending strategies to drive revenue growth and ensure compliance with regulatory standards. Certifications and Licenses
MLO License
Present
NMLS 284683 FL, SC, NC, VA, & TN
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