Loan officer / loan processor / banking
Resume:
Joshua Cartier
Colorado Springs, CO
****.*******@*******.***
PROFESSIONAL SUMMARY
Business Professional and Military Veteran offering over sixteen years of experience in the United States Coast Guard and Civilian Sectors; to include business, logistics, and finance career backgrounds; in addition to a Bachelors in Business Management/ Finance and several licenses such as MLO and A+. Background mainly consists of credit unions and lenders/ realty;, and have been in mortgage lending/ real estate as a partial responsibility in my roles since 2007, but directly have been in full time employment (100%, solely mortgage related) since 2014. Possesses a comprehensive background in: Project & Personnel Management, Sales, Credit and Data Analysis, Problem Resolution, Finance/ Lending, Obtaining and maintaining deadlines, and in the Mortgage/Real Estate sectors. Motivated and resourceful team player and mid-level leader/ mentor with a strong desire to succeed and do whatever it takes to get the job done; personally, for the company, and for his team. Possesses a keen ability to thrive in fast paced, dynamic settings that require willingness to adapt and adjust. Currently looking to utilize these skills and eventually become senior leadership to contribute to a positive work environment and increase productivity and revenue. Highly experienced in the following areas:
PROFESSIONAL EXPERIENCE
Mortgage Loan Processor II / Assistant:Trainee Funder/Closer
08/2020- Current
HCL Technologies – Denver, CO
Managed pipeline with an average of 15-25 closings/ month
Processed Conventional, VA, FHA purchases and refinances (conforming and nonconforming)
Training for Closer/ Funder to assist their pipeline
Contracted to begin training for underwriter role in six months
Verification/ Follow Up- Escalation Specialist/ Floater (Processor Team Lead)
03/2020 – 08/2020
Advanced Data/ Advantage Credit – Colorado Springs, CO
Processed verifications for mortgage lenders
Created new full written VOE/VOM/VOR/VOD orders
Follow up and manage escalated verifications
Received/ worked dozens but completed/ submitted an average of 15-20 completed and audited written verifications per day
Managed a pipeline of an average of 60-70 written verifications; with every order checked and update to lender at least every two days for follow up
Follow Up/ Escalation Specialist, handled all difficult situations dept. members could not handle when director was preoccupied or I was acting lead.
Assistant Trainer; Mentor
Utilized eVOE proprietary software to send and receive written verifications in sometimes as little as 6 minutes
Environment: Day 1 Certainty almost exclusively, adherence to Fannie May guidelines with QA/QC, Byte, Cadence, Optimal Blue, and Encompass. Also used 3rd part verifiers such as Credits Plus, the Work Number, CCC Verify, SSA, etc to obtain necessary/ correct documents for closing. Extremely proficient in web browsing and searching to obtain proper contacts for mortgage/ and or loan documentation / verification
Trainee/ Associate Real Estate Broker
10/2018 - 06/2019
Keller Williams Client’s Choice- Colorado Springs, CO
Trained under Broker
Attended two month Independent University to obtain license
Set-up/ Processor I/ Mortgage Loan Originator 05/2017 - 08/2018
Academy Mortgage Corporation– Colorado Springs, CO
Completed “set up” on every loan that came through the branch, averaging about 100 files a month
Requested VOE’s, VOR’s, VOM’s, payoffs, EOI, License Pulls, title requests and follow up
Pulled Credits Plus Reports, property taxes and exclusions
Acted as Jr. Processor, then regular processor; completed terms required by underwriting, sr. processors, and calling out conditions
Submitted files to underwriting per industry standards, but maintained a priority for lending to clients directly referred through builder/ lender relationships due to common changes occurring during new builds
Processed VA, FHA, Conventional, (Conforming and Non Conforming), and briefly exposed to USDA loans
Procured as many required routine documents as possible to be able to utilize DU and Day 1 Certainty, Encompass
Licensed MLO who made sales calls, attended BNI chapters, sales referrals, collaborated with Sr MLO’s to close individual sales/ team loans
Obtained new clientele and maintained relationships with other professionals such as builders like Classic Homes, title companies and realtors for Continuing Education/ mutually beneficial referrals
Maintained compliance with all TILA/RESPA/all other applicable regulations
Business Partner COO 7/2014 – 4/2016
Springs Demolition Group, LLC – Colorado Springs, CO
Deliver consulting services to client base, identifying technical needs and making sound recommendations to integrate new methodologies that enhance productivity and functionality.
Responsible for business development, sales, marketing campaigns and program implementation for local, city, and state clients seeking to utilize an on-line presence toward business growth
Worked with mortgage lenders (sub-contracted) to obtain contracts for evictions and repossessions.
Environment: Functioned as a construction/ demolition employee and business partner, to include daily tasks such as completion of legal paperwork, regulation compliance, and managed one employee. Worked with correct contractor and lenders to prepare property for auction or short sale.
Member Service Sales & Service Supervisor/ Loan Officer 11/2012 – 4/2013
Bellco Credit Union – Parker, CO
Target external clientele to assist organizations in solving issues, creating value, maximizing growth and improving business performance, which required extensive use of business knowledge to provide objective advice and expertise.
Managed branch operations at an Assistant Manager level to include employee recruitment, termination, branch goal achievement, member satisfaction ratings, and employee promotions
Trained nine employees to review credit bureau reports and create profile sheets for sales opportunities in order to strengthen member relationships into primary financial institution relationships
Managed branch employees to include supply and procurement for branch, marketing, and business development campaigns.
Loan Officer – made branch level decisions regarding overriding and approving/ denying a HQ LoanOfficer’s Approval/ Denial
Environment: Microsoft Office software, Velocity, CUDL/ CUDC, IMC, OSI/ DNA, Ceridian, ADP, Siebel, TSSO/ Bancstar, Relationship Manager, and Credits Plus
Senior Operations Officer/ Jr Loan Officer District Sales Coordinator 3/2007-10/2012
Security Service Federal Credit Union – Colorado Springs, CO
Designed and facilitated sales incentive programs resulting in branch teams attaining 123+% ratings for both monthly goals and quarterly/annual statistics
Led branch teams to achieve a quarterly 90+% member satisfaction level Sales Coordinator for the Mountain District to include all branches in Colorado, portions of Texas, and portions of Utah
Represented the Credit Unions in business development campaigns at multiple local restaurants, military recruiters, and dealerships
Member of the titles task force and operations manual task forces; assigned with creating process improvement in credit union loan processes and operational procedures
Jr Loan Officer
Environment: Microsoft Office software, Velocity, CUDL/ CUDC, IMC, OSI/ DNA, Ceridian, ADP, Siebel, TSSO/ Bancstar, and Relationship Manager.
Third Class Petty Officer (Galley-Buyer/Logistics) 9/2004-1/2007
United States Coast Guard – Various Locations
Assess, analyze and procured suppliers based on established quality and reliability standards including preparing purchasing orders, bid proposals, and reviewing requisitions for goods and services.
Used and prepared statistical data and performed quality assurance of material handling and facility based production and compliance resulting in increased budget savings.
Performed scheduled, routine, and immediate maintenance on complex munitions and defense systems valued in excess of $5M while ensuring adherence to safety procedures
Supervised 5+ personnel in the handling, transportation, and allocation of valued resources during time critical operations. Commended by senior leadership for setting the standard in workplace initiative, professionalism, and appearance
Conducted on the job training to make both rank and rate (Job Specialty)
Environment: Managed day-to-day operations involved with planning, supply, purchase orders, procurement, and budgeting.
Education, Training and Certifications
Bachelor of Science in Business Management, University of Phoenix (May 2015) 3.62GPA
Nationwide Mortgage Licensing System registered (#990936)
Former Colorado Secretary of State Notary Public
Former Medallion Signature Guarantee authorized signer
Toastmaster’s Leadership Course Completion Certificate
Northridge Green HOA Board Member; Treasurer, 2010-2014
Delta Mu Delta Business Fraternity member
National Society of Leadership and Success Honor Society Member
Former BNI Chapter member
Regular Volunteer in community organizations such as Wounded Warrior Project and Care and Share
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