MATTHEW KAPSA

Spring City, PA *****

484-***-**** - adt9ve@r.postjobfree.com

PROFESSIONAL SUMMARY

Driven Loan Officer with track record in mortgage and home lending product sales. Demonstrating strong interpersonal skills and exceptional service throughout sales process. SKILLS

Customer Relations

Loan Processing Coordination

Credit History Review

Property Evaluation

Application Reviews

Referral Network Development

Loan Feasibility Assessment

Automated Underwriting Systems

Creditworthiness Determination

Loan Disbursement

Economics Understanding

Experian Credinomics

Persuasive Sales Techniques

New Client Acquisition

WORK HISTORY

09/2016 to Current Licensed Massage Therapist

Self Employed – Spring City, PA

Provided safe, effective and appropriate massage therapy techniques during customer appointments.

Performed massages and stretching modalities for clients using hot stone, Swedish and deep tissue.

Spoke with clients regarding health history, expectations, services and procedures for safety and customer satisfaction.

Maintained client treatment records and designed long-term care programs for return customers.

Assessed clients carefully to determine massage needs and potential problems due to individual physical conditions.

Created marketing advertisements to increase awareness of services and boost sales. 01/2012 to 04/2013 Mortgage Loan Processor

Wells Fargo Home Mortgage – Limerick, PA

Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.

Prepared file for final clear-to-close by branch management. Handled any conditions sent from underwriting departments. Reviewed financial statements and contacted institutions and customers to clarify details. Communicated with originator and applicant concerning progress of loan file. Set up and completed loan submission packages.

Coordinated closing process with attorneys, title companies and government clerks. Verified credit histories, personal references and employment backgrounds for each applicant.

04/2006 to 08/2011 Claims Adjuster

Hartford Steam Boiler Insurance – Wayne, PA

Held claims adjuster licenses in 14 states and adjusted equipment breakdown reinsurance claims covering the entire range of electrical equipment. Reviewed claims covering all forms of refrigeration and heating systems for commercial and small business policy holders.

Utilized telephone and an extensive array of software applications to adjust accident claims for the primary insurer their agents and end clients. Preformed multiple administrative functions from researcher to chronographer, accountant to negotiator, adjusting claims for property damage, spoilage, business income loss and extra expense.

03/2004 to 09/2005 Home Mortgage Consultant

Wells Fargo Home Mortgage – Malvern, PA

Collaborated with and facilitated communications between borrowers and lenders to obtain ideal loans for home purchases.

Assessed clients' financial data to determine loan suitability. Presented, explained and processed home loan documents such as good faith estimates and loan locks to borrowers.

Explained different types of loans pertaining to client situations. Worked with underwriters to fix application problems and resolve issues. Fielded customer complaints and provided solutions. Monitored pipelines to track and log status of loans. Explained very technical financial information to applicants in easy to understand language.

Developed prospects for new loans by conducting weekly cold calls. 01/2003 to 08/2004 Loan Officer

Equity One – Horsham, PA

Selling a widely diverse product mix in nearly all fifty states. Originated, reviewed, processed, closed and administered customer loan proposals. Submitted loan applications to underwriter for verification and recommendations. 01/2001 to 01/2003 Mortgage Broker

Kuranda Financial Mortgage Inc – Strafford, PA

Sold Mortgages at a retail Location which catered to walk in clientele and telephone and internet solicitation in multiple states

Recognized in my first year as the firms MVP in acknowledgment for my contributions of knowledge of the industry, sales skills and willingness to share my insights with the sales force.

Received the top two sales awards in 2001.

01/1991 to 01/2001 Mortgage Broker / President and Owner Granite Financial Planning Group,Inc. – King of Prussia, PA Due to the failing health of my business partner, started my own mortgage origination company . Solicited Realtors and home buyers to provide financing for first and second mortgages for purchases or refinancing. Development of sales and marketing materials and processing system for all work flow. Processed files for underwriting and attended all closings.

09/1986 to 04/1995 Mortgage Broker/Vice President & GM Financial Planning Group,inc – King of Prussia, PA Started, managed and grew all mortgage related operations for an existing small full service securities brokerage firm. Was responsible for the cultivation and control of all correspondent relationships with banks and lending institutions. EDUCATION

Bachelor of Science: Dual Major Economics And Finance Drexel University - Philadelphia, PA

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