Residential Mortgage Loan Closer
Resume:
Emmett P Burleson
Gary, IN *****
adqtov@r.postjobfree.com
Mortgage Lending: Seek a financial institution that offers an opportunity in Mortgage Loan Underwriting. Desire Consumer, Residential or Home Equity loan underwriting and administration combined with potential management responsibilities. Summary of Experienced 27-year Banking professional. Committed, highly effective Authorized to work in the US for any employer
Work Experience
Mortgage Loan Closer
TD Bank - Mount Laurel, NJ
April 2021 to Present
Responsible for preparing and delivering Residential Mortgage Loan packages to the various Title Companies and Settlement Services.
Consumer Lending Underwriter
First Financial Bank - Cincinnati, OH
November 2020 to March 2021
Responsible for approving and underwriting all Home Equity Loans, Home Equity Lines of Credit, and Residential Bridge Loans for the footprint states of Indiana, Illinois, and Northern . Licensed Insurance Producer
Combined Insurance Company - Milwaukee, WI
August 2016 to April 2017
Licensed Insurance Agent responsible for the Northwest Indiana Market. Mortgage Loan Officer
GSF Mortgage Corp
February 2016 to April 2016
Loan Originator capacity. Responsible for establishing relationships and creating name recognition in the Northwest Indiana market. Successful in arranging referral programs with four (4) Realtors in three (3) different cities in the primary zip-code target area. Mortgage Loan Officer
American Financial Network
September 2015 to January 2016
Loan Originator capacity. Primary accomplishment is the establishment of a regional relationship with HUD/USA. Responsible for securing financing for HUD homes in Indiana counties of: LaPorte, Gary (West Lake), Gary (East Lake), and Crown Point (primary outlet). Programs results were 8-leads since inception
(11/30/15) with a total of $1,572MM in mortgage loan leads. Vice President / Consumer Loan Officer
Highland Community Bank - Chicago, IL
2003 to 2011
Senior officer responsible for the day-to-day and strategic direction of: the consumer loan function
(including originating and underwriting and supervision of Jr. Lenders), the retail banking branch network, fraud and security units, BSA compliance, and the credit administration area. Seasoned manager that is experienced in all facets of Consumer Loan Management and Administration. Responsible for regulatory loan compliance, loan related call report preparation, HMDA monitoring, management of FHLB collateral line, and development and implementation of all loan related polices and procedures. Vice President - Retail Lending Group Manager
Shore Bank - Chicago, IL
1999 to 2003
Manager of $34MM consumer loan operation including: Direct, Indirect, Home Equity, Credit Cards, Residential and Multi Family Mortgage Loans. Successfully grew loans outstanding 37% in 26-months, while maintaining acceptable delinquency and loss levels. Average 20% total loan growth from apartment buildings and Church loans. Effectively implemented risk based pricing for all loan types. Credit Counseling seminars graduated #100 attendees in 2001 through affiliation with the Church and Community Relations Division.
Regional Manager
The Loan Store Inc - Michigan City, IN
1996 to 1999
Sr. Officer capacity for newly formed finance company subsidiary of Horizon Bank. Responsible for entire scope of company's day to day operation. Personally wrote and implemented all company loan policies, standards, and procedures. Successfully grew branch office network to four facilities, and $10MM in consumer loan originations in 30-month period. Managed all site selections and lease negotiations, also responsible for hiring and training of all branch managers. Retail Loan Officer
Horizon Bank - Michigan City, IN
1988 to 1996
Held several lending positions including: Collection Manager, Indirect Lending Officer, Consumer Loan Manager and Residential Mortgage Loan Officer. Extensive prior experience in all phases of loan administration and underwriting with proven portfolio performance results. Major accomplishment includes obtaining certification for bank and self as FHA/HUD approved mortgage lenders. Regional Loan Underwriter
Household Finance Corporation - Palatine, IL
1983 to 1988
Responsible for underwriting all consumer installment and revolving loan applications for the states of Indiana, Kentucky, and Minnesota. Managed pipeline of #700 average loan decisions per month. Previous Branch Manager for offices in Palatine Illinois, and Cincinnati Ohio. Successful completion of Branch Manager Training Program.
Education
depth
Commercial Lending Institute
May 2008
Consumer Loan Management
National Consumer Credit School - University of Oklahoma 1989
Bachelor of Science in retail sales and consumer behavior Indiana University, College of Business and Economics 1982
Skills
• leader with excellent written and verbal communication skills. Successful, proven lender that has grown in management responsibility for four financial institutions in three states. Classic self
• starter with well developed analytical skills, and professional integrity.
• Banking
• Loan Origination
• Underwriting
• Loan Officer Experience
• Credit Analysis
• Fair Housing Regulations
Certifications and Licenses
Insurance Producer License
Contact this candidate