MC

MILTON CRUTCHFIELD

972-***-****

adlt61@r.postjobfree.com

*** ********* *****],

Mesquite, TX 75149

PROFESSIONAL SUMMARY

Knowledgeable banking professional skilled at managing the group's loan application and approval processes. Effectively review documentation to evaluate the creditworthiness of each customer. Experienced with all facets of FHA,.VA and conventional loans.

Self-starting, sales-oriented Loan Officer with competitive nature, adaptability, and good listening skills. Able to understand needs of clients and provide loan products and services meeting personal targets. Motivated to build pipeline and book of business built on customer service, customer retention, and customer referrals.

SKILLS

Document analysis

Regulatory compliance

Underwriting support

Calculate payments

Verify agreements

Manage complaints

Complete loan applications

Networking

Multitasking

EXPERIENCE

Loan Officer, Legacy Pro Lending, Jan 2018 Current, Forneo, Texas

Gained knowledge of products and programs offered to educate clients about various product solutions.

Complied with company quality standards and applicable regulations governing financing.

Took applications and collected income and asset documentation to enable underwriting and prompt loan decisions.

Analyzed applicant's financial status, credit, and property evaluations to determine feasibility of granting loans.

Resolved customer complaints through research and investigation.

Monitored pipeline by communicating with underwriters and processors.

Account Executive, Peoples Choice Home Loans Inc., May 2017 Jun 2018, Dallas, Texas

Created new business with existing clients and identified areas of improvement to meet sales quotas.

Analyzed sales statistics gathered by staff to determine sales potential and inventory requirements and monitored preferences of customers.

Prepared sales contracts and order forms.

Recommended products to customers, based on customers' needs and interests.

Kept updated files with current listings of customer business operations, sales histories and key personnel.

Residential Lending Processor III, First Nationwide Mortgage Corporation, Sep 1996 Jun 2004, Dallas, Texas

Reviewed activities regularly to identify opportunities for improvement.

Gained knowledge of products and programs offered to educate clients about various product solutions.

Reviewed loan agreements for completeness and accuracy.

Resolved customer complaints through research and investigation.

Monitored pipeline by communicating with underwriters and processors.

Analyzed applicant's financial status, credit, and property evaluations to determine feasibility of granting loans.

Assisted clients through loan application process cycle through closing.

Educated students on available financial aid options, including grants, loans, and scholarships.

Credit Administrator, Centex Home Equity Company, Aug 1998 Oct 2000, Dallas, Texss

Reported the degree of risk involved in approving loans and credit applications to individual customers.

Resolved customer complaints and collected missing information by consulting with customers.

Managed daily tasks consistently and sought out opportunities to go beyond requirements and support business targets.

Completed loan applications with the full credit analyses and summaries of loan requests and submitted to loan review committees for approval.

EDUCATION

Bachelor of Science, Accounting Jun 1988

Truman State University Kirksville, MO

Student Scholar Athlete

Associate of Science, Ao Jun 1986

Grayson County Community College Dennison, Texas

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