Customer Service Mortgage Loan
Resume:
* ***** *****, ***********, ** 60440
Daytime phone 630-***-**** - Evening phone 630-***-**** Education
Nationwide Multistate Licensing System & Registry, IL 2007 - current - Mortgage loan originator license Illinois College of Du Page, Glen Ellyn, IL
1988 - 1990 - General courses
Lyons Township High School, LaGrange, IL
1984 - 1988 - Graduated
Career Objective
A challenging position that will utilize my strong knowledge and experience with problem solving, relationship building, team work, credit/income/math skills, learning new/following guidelines, computer knowledge and excellent customer service.
Employment
01/21 - present - Cardinal Financial, Lisle, IL
-Licensed mortgage loan officer
- Responsibilities include originating Conventional, FHA, VA, and IHDA residential mortgage loans.
- Market to current data base, realtor partners, circle of influence, past and present borrowers.
- Sales calls and/or meetings to engage with business partners.
- Meet with prospective borrowers in person or virtually to discuss financial needs. Collect income/asset information, credit info, etc.
- Analyze complete financial story and guide borrowers to loan programs that suit their needs.
- Run automated underwriting system, lock interest rates.
- Work with processing team and underwriting to ensure a complete loan file is approved and ready for closing.
- Attend closings and work with business partners to complete a smooth closing and support my borrowers at this important time.
05/20 - 01/21 - Success Mortgage Partners, Lisle, IL
-Licensed mortgage loan officer
- Responsibilities same as above. Reported to same branch manager as above. Our team moved together as a whole to Cardinal in the same branch office.
09/14 - 04/2020 - Homebridge Financial, Naperville, IL, Lockport, IL
- Licensed mortgage loan officer
- Responsibilities include originating Conventional, FHA, VA, and IHDA residential mortgage loans.
-Market to current data base, current referral sources, and new potential referral sources and/or clients.
-Attend Chamber of Commerce networking opportunities
- Make regular sales calls to realtors and CPA’s. Attend “open houses”.
- Meet with borrowers and analyze their mortgage needs. Review income, assets and credit and determine which loan program best fits their needs. Structure loan to guidelines.
-Run LP or DU, collect data based on findings. Submit a full loan application package.
- Work with production team to obtain outstanding loan conditions and prepare loan for clear to close.
- Attend all closings to ensure the loan closes smoothly and to finalize the transaction. 1
02/14 - 08/2014 - Charter One Bank, Naperville, IL
- Licensed mortgage loan officer
- Responsibilities include originating Conventional, FHA, and VA residential mortgage loans.
- Meet with borrowers to analyze their situation and their mortgage needs.
- Analyze borrowers income, assets and credit and structure loan and place in appropriate loan program.
- Run LP or DU and follow findings to submit a proper loan application package.
- Work with underwriters, processors and borrowers to make sure all outstanding internal and external conditions are met.
- Attend all closings to ensure the transaction is smooth and all parties are satisfied.
- Continue to build new and maintain current relationships with referral partners such as realtors and CPA’s.
-Attend “Open Houses” and other networking events to ensure exposure and meet new possible clients or referral sources.
04/13 – 02/2014 – Chase, Mount Prospect, IL
- Mortgage Banker
- Responsibilities include originating Conventional, FHA, and VA residential loans.
- Meet with borrowers to analyze their income, assets, and credit and place them into a loan program that best meets their needs.
- Properly structure loans according to bank guidelines.
- Run LP and Zippy and analyze in order to submit an accurate loan application package.
- Work with borrowers to obtain any outstanding underwriting conditions.
- Work with Processing to make sure internal and external conditions have been met to prepare file for closing.
- Attending closings for purchases and refinancing to ensure a successful completion of the funding and to insure borrowers and realtors are satisfied.
- Build relationships within the bank partners to grow referral sources and allow myself to capitalize on new business from current Chase customers.
- Establish and maintain relationships with new realtors by working as a team to uncover new leads that are beneficial to both of us.
- Continue to reach out to past borrowers either through mailings or phone contact. 01/09 – 04/11 – US Bank, Bolingbrook, IL
- Senior Mortgage Loan Officer
- Responsibilities include originating Conventional, FHA, VA and IHDA residential loans. I also originated stand alone and simultaneous Home Equity loans. - Properly structure loans according to bank guidelines.
- Met with borrowers to analyze their income, assets, and credit and place them into a loan program that best met their needs.
- Properly structure loans according to bank guidelines.
- Run LP and analyze in order to submit an accurate loan application package.
- Work with processing staff to make sure underwriting conditions are met and file is complete for closing. This includes attending closings to insure borrowers are satisfied and funding is successful.
- Establish and maintain new relationships with realtors, financial advisors and CPAs. This includes attending “open houses” and organizing “broker opens” with current realtor partners.
- Continue to strengthen the relationships with my bank partners, cross sell and look for other opportunities within the bank for my borrowers.
- Continue to reach out to current bank customers by sending mailers, participating in “Mortgage Monday’s” and by making a strong presence in the bank.
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12/07 – 01/09 - Guaranteed Rate, Mokena, IL
- Vice President of Mortgage Lending
- Responsibilities include originating Conventional and FHA (conforming and non-conforming) residential loans.
- Meet with borrowers to analyze their income, assets, and credit and place them into a loan program that best meets their needs.
- Run DU and analyze in order to submit an accurate loan application package.
- Work with attending closings to insure borrowers are satisfied and funding is successful.
- Establish and maintain new relationships with realtors, financial advisors, and CPAs. This includes attending
“open houses” - and organizing “broker opens” with current realtor partners.
- Properly structure loans according to bank guidelines. 11/97 – 12/07 - Washington Mutual Bank, F.A., Downers Grove, IL 01/05 – 12/07 - Mortgage Loan Consultant
- Responsibilities include establishing and maintaining relationships with realtors, financial advisors, CPAs and potential borrowers.
- Meet with borrowers to analyze their current financial and credit situations and present appropriate loan options.
- Complete an accurate loan application, obtaining employment and asset information. This includes pulling credit and running DU to structure loans accordingly and place them into a loan program that best meets their needs.
- Lock loan with appropriate pricing and time frame for borrowers.
- Communicate with Operations, Underwriting, and borrowers to make sure all conditions and expectations are met for closing. This includes attending closings to insure a successful funding. 06/02 - 01/05 - Sr. Loan Coordinator
06/00 - 06/02 - Production Specialist III
11/97 - 06/00 - Production Specialist II
- Responsibilities included process and close FHA, VA, and conventional (conforming and non-conforming) residential transactions.
- Processing and closing for new construction, manufactured homes, and existing properties.
- Processing and closing for Illinois properties and other states such as CA, CO, MN, MO, OH, PA and TX
(including escrow and non-escrow states).
- Review title work, assets and calculate income.
- Guide loan consultants on pending and denied files to restructure the loan for reconsideration by Underwriting.
- Clear and meet all conditions set by Underwriting.
- Review and prepare loan documents to close in Trust.
- Prepare quality files for HMDA and Compliance Audit.
- Prepare FHA files for submission to HUD for government insuring.
- Prepare files for post-closing.
- Train new employees to process and close loans following FHLMC, FNMA, FHA and VA guidelines.
- Certified to underwrite/reconcile loans with an Accept Plus and Accept status from Loan Prospector Automated Underwriting System.
- Assist team leader with managerial tasks and assist team members and service partners.
- Communication with customers and service delivery partners on a daily basis. 10/91 - 11/97 - LaSalle Home Mortgage Corporation, Hinsdale, IL 08/95 - 11/97 - Senior Loan Processor
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- Responsibilities included opening (order title, appraisal, etc) and preparing conventional, IHDA and FHA loans for underwriting and closing.
- Processed loans consisting of new construction and existing Illinois and out of state properties.
- Review title work, income, and asset documents.
- Obtain the necessary paperwork from borrowers to clear underwriting conditions for closing.
- Delivered quality and complete files to the Closing Dept. for preparation of closing documents.
- Communication with service partners and customers on a daily basis. 08/93 – 08/95 - Senior Loan Closer
- Responsibilities included reviewing and preparing closing documents for closings of conventional, FHA and IHDA loans.
- Obtained and cleared conditions to be met at closing and before funding.
- Review title work.
- Balanced and prepared closing figures, issued drafts for disbursements and authorized approval for funding.
- Prepared files for post closing.
- Submitted case binders for government insuring.
- Communication with all parties involved in the transaction. 10/91 – 08/93 - Senior Receptionist
- Answered and directed busy switchboard of incoming calls.
- Clerical duties such as typing, accounts receivable and assisting office manager with various projects.
- Assisted Closing Department with post closings.
- Assisted loan officers with customers during loan application appointments. Previous employment prior to 10/91 - furnished upon request Skills
- Knowledge of Microsoft Outlook, Lotus Notes, Microsoft Word, Excel, Pronto, Loan works, MLAPS, Optis, Mortgage ware, Loanworks, Envoy, Net O, Contour and Octane. Additional Training
- Courses and/or certificates in Customer Service Excellence, FHA/VA, Self Employed borrower, HMDA, IHDA, Construction Lending, Products, PricingUnderwriting/Reconciling, special bond programs and First Time Homebuyer. All compliance trainings per company, Mortgage loan officer Licensing in Illinois. Recognitions
- Several customer service awards given by Washington Mutual
- Received recognition from borrowers by sending in correspondence into management.
- Received certificates for top producing processor/closer with Washington Mutual.
- Consistently requested by top producing peers to process and close for them.
- Top 10 % percent originated and closed loans within the company for several months.
- Consistently receives positive customer service survey results.
- Recognized by management for product knowledge and team leader/member efforts. References available upon request
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