Loan Officer Customer Service
Resume:
Wesley Johnson
*******@***********.***
Objective: Secure a job that utilizes my education and job experience. Education
• Bachelor of Science in Comprehensive Business Administration UNIVERSITY OF NEBRASKA AT KEARNEY - Kearney, NE May 1988
• General Studies
CENTRAL COMMUNITY COLLEGE - Columbus, NE 1984 to 1986
• Associate in Agri-Business
NORTHEAST COMMUNITY COLLEGE - Norfolk, NE 1978 to 1979 Skills and Certifications
NMLS Certificate #2028528 • Loan Origination • Banking • Loan Officer Experience • Underwriting • Insurance Sales • Business Analysis • Account Management • Credit Analysis • Negotiation • Management • Microsoft Outlook • Business Development • Pricing • Financial Analysis • Salesforce • Marketing • Accounts Receivable • Budgeting • Fair Housing Regulations • Sales Management Work Experience
Nexa Mortgage, LLC
Branch Manager Albion, Nebraska location
• loan originator, structured and closed home mortgage loans with variety of loan types, VA, FHA, USDA conventional, variable rate, almost every type of loan. Nexa mortgage has over 170 lending partners.
• Loan sifter program was used to find best type of loan for the customer
• Met with home buyers explaining different advantage of one loan compared to another loan, finding which loan gives best advantage for the home buyer
• Went to home shows meeting with realtors discussing pain points and how Nexa Mortgage will be able to help and assist in relieving pain points
• Pulled credit on home buyers. I then explaining ways to increase credit scores helping customers increase credit score which resulted in qualifying for better quality loan with lower interest rates and terms
Norma Johnson Estate - Newman Grove, NE – Personal Rep September 2015 to Oct 2017
• Managed the payoff of bank loans, real estate, and operating loans
• Oversaw the harvesting, delivering and marketing of all grain
• Organized farm equipment and real estate auctions
• Liquidated the cow/calf and feedlot operation
Johnson Farms - Newman Grove, NE - Owner/Operator/Manager June 1978 to Sept 2015
• Participated in all phases of grain and livestock production including sales, advertising, hedging, and futures trading; performed bookkeeping duties
• Organized work schedules to meet deadlines and coordinated diverse tasks.
• Responsible for budgeting and accountable for control and disbursement of annual gross income Handled all business with the bank such as making loan arrangements, money deposits, set-up and paid off bank notes, applied for insurance, etc.
• Revitalized a nearly bankrupt farming and livestock operation into a nearly debt free business with sales of just under $250,000 in three years.
Bank of the West - Norfolk, NE- Loan Officer/Personal Banker October 2007 to Nov 2009
• Raised customer service scores from the last place to first place rating in a group of 22 bank branches for 5 straight months
• Resolved finance issues with bank customers
• Originated & closed loans (Business/Ag loan, Auto, Home Equity, Home Consumer, Refinance of Real Estate)
• Maintained working relationship with existing bank customers while developing a successful business strategy to gain future customers
• Managed the Taylor Ave Bank branch's daily operations and oversaw 3 Employees
• Aggressively opened new accounts, consulted with customers to explore present and future financing needs.
Bank of Elgin - Elgin, NE - Ag Loan Officer November 2002 to December 2004
• Completed government energy loans, and monitored all government interest assist loans
• Organized loan documentation for all home loans
• Responsible for maintaining the Farm Equity database and annual farm inspections
• Attained Federal Crop Insurance License, Property and Casualty Insurance License, also a member of the Bank's Safety Committee.
• Advanced and paid off customer loans and lines of credit
• Prepared credit write-up and loan request of bank customers for loan committee approval. Franchise Mortgage Accept - Columbus, NE- Commercial Loan Officer/Loan Originator Nov 1996 to July 2001
• Originated, structured, and closed commercial loans up to $5 million under fully amortized loans with terms ranging from three to twenty years on fixed and floating rate.
• Maintained working relationships with existing customers and developed relationships with new customers with business sales ranging from $500,000 to $50 million.
• Prepared credit write-ups and financial reviews for each transaction, which included financial statements analysis, business history, management ability assessment, collateral adequacy, industry analysis, and recommendation for approval.
• Evaluated customer's transaction needs and formulated appropriate credit structure to meet customer's needs and expectations within the company's range of financial products while satisfying yield and profitability requirements.
• Communicated and negotiated credit structures with clients and approval authorities.
• Interfaced with customers and customer's counsel to consummate transactions in a timely and cost effective manner.
• Generated and reviewed credit reports for each potential customer to ensure the customer meets the company's credit score requirements.
• Developed and maintained relationships with franchisors, franchisees, and industry experts to establish and maintain a market presence and for referral business.
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