Real Estate Sales Representative
Resume:
Kevin Patrick O’Brien
*******************@*****.***
Objective
Transfer extensive knowledge and experience in the mortgage lending business to an equally rewarding and challenging career, where I am an asset to an organization’s culture and success. Summary
Over 35 years of originating high-quality loans with traditional loan companies and banks and non-traditional sources such as word-of-mouth satisfied clients. Developed clear, consistent, and effective communication style and processes with vendors, clients and colleagues yielding over 500 successfully completed external and internal projects. Well versed in federal and non- federal guidelines such as Ginnie Mae, FHA, Fannie Mae/Freddie Mac and VA loans. Completed discrete reviews of finances and personal information to secure best outcomes for customers while meeting all Customer Financial Protection Bureau and Compliance Regulations. Skills and Expertise
• Continuously learn new material and maintain high levels of expertise in the origination of FNMA, FHLMC, and Ginnie Mae loans, including the pre-application guidelines, application and post closing issues. Develop knowledge of company products, policies and procedures, and underwriting requirements.
• Understand real estate appraisals, title reports, and real estate contracts.
• Analyze detailed financial and credit data, matching customers needs with the appropriate loan program and level of risk.
• Develop relationships with each customer and colleague to support each loan process and maintain privacy of information.
• Receive customer application, quote rates and points, and complete the necessary follow up activities with the registration and lock-in of loans.
• Perform miscellaneous duties as needed and required.
• Work with high affluent clientele, while analyzing personal, business, corporate tax returns on a case by case transaction.
• Completed classes in Non-Conforming Sales Training and High Performance Sales Training.
• Exceeded and/or met sales goals consistently throughout career.
• Mentored 20 Junior Home Mortgage Consultant’s, teaching vocabulary, products, sales techniques and guidelines for all available products. Experience
Truist Mortgage
Home Mortgage Consultant
2020 - present
-Inform prospective and existing customers of Truist’s programs, rates, policies, underwriting requirements, and loan procedures.
-Develop and maintain a high degree of visibility for Truist Mortgage in the marketplace with Real Estate Agents, Builders, CPA’s, Truist Bank locations and Truist Wealth Management Partners.
-Consistently close loans in excess of annually projected goals for over 30 years, which includes Conforming Freddie Mac/Fannie Mae, FHA/VA, Community Development Administration (CDA), State of Maryland Bond Loans, USDA, Doctor Loans, and Non-Conforming loans amount.
-Analyze clients’ pros and cons of qualifying and then determine the best program to fit their specific needs.
Wells Fargo Mortgage Corporation
Mortgage Sales Representative
1995-2020
Independence One Mortgage Corporation (purchased by Wells Fargo) Mortgage Sales Representative
1988-1995
Gilpin Mortgage
Landover, MD
Mortgage Sales Representative
1987-1988
Education
George Washington University
Bachelor of Science (B.S.) Psychology
Certification
Nationwide Mortgage Licensing System and Registry (NMLSR) Certified Community Service
Advisory Board for Columbia Lighthouse for the Blind (Non-Profit); Umpire (Volunteer), Southern Maryland Little league; Coach (Volunteer) Southern Maryland Little League; Board Member, Southern Maryland Little League; Appalachia Service Project.
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