Loan Officer Senior

JAMES R. MUSIAL, JR.

*** ******* *****, *****, ** 60135 * 847-***-**** * *********@*****.***

EXPERIENCE

GUARANTEED RATE DIRECT SALES DIVISION – Chicsgo IL 06/2023 - 11/2023 MORTGAGE CONSULTANT

New business obtained through Direct Call Center generated leads. Held mortgage lending license in 13 states, including Illinois.

FIRST AMERICAN BANK – South Elgin, IL 01/2021–10/2022 SENIOR LOAN OFFICER

Obtaining new business from existing client base as well as referrals from clients, realtors, insurance agents, accountants, lawyers, friends, and family I have worked with throughout my lending career. I have been in the industry now long enough to serve 3rd and 4th generation families.

C & R MORTGAGE CORPORATION – Niles, IL 07/2019–12/2020 SENIOR LOAN OFFICER

Obtaining new business from existing client base as well as referrals from clients, realtors, insurance agents, accountants, lawyers, friends, and family I have worked with throughout my lending career.

BLUESTAR MORTGAGE CORPORATION – Schaumburg, IL 01/2018 – 06/2019 SENIOR LOAN OFFICER

Obtained new business from existing client base as well as referrals from clients, realtors, insurance agents, accountants, lawyers, friends, and family members I have worked with throughout my lending career. Built lead generating system through Facebook and Zillow.com

WELLS FARGO MORTGAGE, NATIONAL ASSOCIATION – Oak Brook, IL 08/2017- 01/2018 SENIOR LOAN OFFICER

My manager and friend from Sterling Home Mortgage Corporation recruited me to work for him at Wells Fargo. I found this position not to be a good and appropriate match for my client relationships and poor reputation of Wells Fargo in the industry at that time.

COMMAND CAPITAL MORTGAGE SERVICES, LLC – Oak Brook Terrace, IL 03/2017–08/2017 SENIOR LOAN OFFICER

Obtained new business from existing client base as well as referrals from clients, realtors, insurance agents, Accountants, Lawyers, friends, and family members I have worked with throughout my lending career. Company is also no longer in business.

INTERFIRST MORTGAGE COMPANY – Lincolnshire, IL 01/2017 – 02/2017 SENIOR LOAN OFFICER

Sterling Home Mortgage Corporation closed 12/01/2016 and all employees were hired to work in the same capacity at InterFirst Mortgage Company. There was an issue with the company and the GSE’s and we were all let go to file for unemployment. No explanation was given to us.

STERLING HOME MORTGAGE CORPORATION – South Barrington, IL 5/2008 – 12/2016 MORTGAGE LOAN OFFICER

Developed new business within mortgage broker banking environment nationwide. Obtained mortgage loans from generated leads through use of the internet (LendingTree.com), personal leads and ads on WMAQ TV, as well as the local and nationwide newspaper publications. I was the leading LendingTree.com producer of a staff of five loan officers and won LendingTree.com awards the last two years. Held seminars for mortgage lending within the community at local banks. Loans made were primarily conforming “A” paper. Originated and closed an average of 25-35 loans per month. Was hired initially in 2002 and worked until 2007.

THE ELGIN STATE BANK – Elgin, IL 2000 - 2002 COMMERCIAL LOAN OFFICER Maintained/Serviced $32,000,000 of a total commercial loan portfolio of $105,000,000. Developed and implemented a prospecting effort for new business. New business generated by loan officer was $8,000,000 over 2 years. Upheld Elgin State Bank policy by offering all bank products to every customer as well as meeting personal needs (Relationship Banking). Also, responsible for the daily monitoring and developing/implementing strategies for marginal loans in the commercial loan portfolio. $1,800,000(Not included in $21,000,000). Cross sold bank products to my customers. LASER PRO documentation trainer for the Bank. Left due to management and ownership change. Was offered a position in Residential Lending with Sterling.

FIRST MIDWEST BANK, N.A. - DEERFIELD, Deerfield, IL 1998-2000 COMMERCIAL LOAN OFFICER

Maintained/serviced a loan portfolio of more than $30,000,000 of a total commercial loan portfolio of $135,000,000. Initiating and implementing a prospecting effort for new business. New business obtained by writer year to date was $3,500,000. Cross sold bank products to all customers. Worked with Central Credit Administration on Documentation project. Supervised and managed analysts and clerical personnel.

FIRST BANK OF SCHAUMBURG, Schaumburg, IL 1996-1998 COMMERCIAL LOAN OFFICER /ANALYST

Loan Officer in training and commercial loan analyst. Managed construction loan draws and lines of credit for many construction companies (Builders). Worked with Title companies as well to disburse on various Builders’ lines of credit. Also performed daily cash management duties for some of the bank’s largest commercial bank accounts. Performed Field Audits for some of our larger Receivable clients.

1984-1996 (WORKED FOR SAME ORGANIZATION – I WAS RETAINED THROUGH 2 MERGERS AND AQUISITIONS)

FIRST CHICAGO/NBD CORPORATION, Skokie, IL 1992-1996 BANK SUPPORT ADMINISTRATOR

Responsibilities: analyzing, approving and documenting commercial loans; troubleshooting loan system problems; documenting loans in conjunction with attorneys and internal documentation personnel; attending sales calls with commercial loan officers; managing and training lending staff in all areas of lending at various branches; developing procedures for all lending operations.

NBD WINFIELD BANK, Winfield, IL 1988-1992 LOAN OPERATIONS/CREDIT MANAGER

Managed Loan Operations Department of the Bank (4 people); being the resident expert of the Bank involving credit policies, procedures, and loan documentation preparation; monthly reporting of the Bank’s lending activities to the Board of Directors; preparing consumer and commercial loan presentations for Bank approval, possessing lending authority to make loans from $1.00 - $75,000.00. Some sales calls new business development.

NBD BANCORP, INC., Skokie, IL 1984-1988 INTERNAL BANK AUDITOR

Responsibilities: audited all bank operations/functions and managed and trained audit staff (12 people).

EDUCATION:

- NATIONAL AND STATE OF ILLINOIS MORTGAGE LICENSE – Fall, 2010

- STATE OF ILLINOIS MORTGAGE LICENSE – 5/05 as well as continuing education (IAMB and NMLS)

- ELMHURST COLLEGE (NOW ELMHURST UNIVERSITY), Elmhurst, Illinois - Bachelor of Science - 2/1997 Major: Business Administration Management/ Finance

- ILLINOIS BANKERS ASSOCIATION - Bank Internal Auditor School (6/1985 - 6/1987) Certified Bank Internal Auditor

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