Leadership ( Customer Service ( Underwriting( Classroom Guidelines ( Progress Reports Training Projects ( Evaluative Methods (Counseling ( Presentation/Facilitation ( Loan Modifications Qualified mortgage processor, underwriter, and loan officer; dedicated to helping others identify and enhance their unique potential for homeownership. Exceptional negotiation abilities and convincing skills; producing proven results. Extensive knowledge of previous statistics and the current trends in the sales market. I want to produce a solid foundation for ongoing customer service and employee development. Presently
St. Philip’s College (Aug2013-Present) San Antonio, TX U.S. Army veteran
Ingram Park Auto Center (Jul 2013-Jan 2014) San Antonio, TX Sales Consultant
Analyzes applicant’s financial status, credit, an evaluation to determine feasibility of granting loan.
Worked in a team of eight under the senior salesman
Pleasant personality with extraordinary command over the language
Delivered cars to purchasing customers
Wells Fargo (Mar 2011-Mar 2013) San Antonio, TX
Educated borrowers with re-financing, interest rates, home improvements, and cash out refinancing.
Reviewed title for potential loan faults; insuring title is without charge and clear of rights or tax liens.
Collected all required documents for loan processing and underwriting conditions.
Exceeded customer expectations with program advantages through quality service and customer maintenance.
Developed, planned closing, and funded loans in its totality
Informed customers of mortgage loan programs offered by Fannie Mae, FHA, and VA via phone, internet and emails.
Chosen repeatedly to coach, develop, and assist other regions with homeowner stimulus programs. Wachovia Bank (Nov 2007-Mar 2011) San Antonio, TX
Offered mortgage loans with inventive financing through sub-prime lending.
Tailored loans for borrowers with particular financing requirements; suggested loan programs based on the understanding of products offered.
Communicated loan disclosures, closing costs and interest rates, adhered to the regulatory guidelines per state.
Managed customer’s files to insure regular and accurate closings.
Greeted new clients with first and second mortgage loans for refinancing Quinton Larking A Résumé of Qualifications page two World Savings Bank (May 2001-Nov 2007) San Antonio, TX Underwriter/ Loan Officer
Reviewed loan criteria for complete, stated no income, interest rates, loan to value, and credit worthiness.
Checked the borrower’s ability, credit worthiness, character, and guarantee to become home proprietors; offered FHA conventional loan agendas.
Suggested loan programs both traditional and non-traditional to fit customer’s need.
Evaluate, authorize, or recommend approval of commercial, real estate or credit loans.
Conducted mortgage sales via telephone (refinancing, purchases and home equity.) U.S. Army (Jun 1988-May 1994) Neunanberg, Germany
Processed all new and retiring soldiers, documentation for entry or exit to/from the armed forces. Led weekly orientation sessions for new military, retiring military and incoming civilians.
Provided contract updates to contracting officer, issued necessary modifications to clarify questions concerning such topics as language, ambiguities, or clarification of contract clauses.
Monitored key performance indicators, audited all payroll transactions and travel reimbursements, ensuring compliance with military policies and procedures.
Processed all special pays to include one- time payments, fines, garnishments, and incentive pays and bonuses.
San Antonio College A.A. Orthopedics
Currently attending St. Philips College