Loan Officer Mortgage Consultant

CHARLES J. KENNEDY, JR.

**** ****** **. **. *****, MO 63126 314-***-**** ************@*****.***

Objective To obtain a position in a financial institution utilizing and developing skills in

management, finance, sales, and customer service.

Professional Experience

Management

Ensured that all loans were compliant with Federal and State regulations.

Trained telemarketers to bring in clients for mortgages.

Taught new loan officers lending strategies, both conforming and nonconforming.

From start through completion, documented the loan process for compliance accuracy.

Finance

Coordinated bank deposits, solved bank reconciliation problems, directed payments for inventory loans.

Closed home loans for home purchase, refinance, and investment property in all 50 states.

Assisted home buyers with purchase through FHA, VA, HARP, and conventional lending.

Helped homeowners to refinance and save money through debt consolidation.

Worked with area attorneys to solve tax lien and severe debt problems of home owners.

Consulted with clients and suggested investment strategies.

NMLS licensed in 24 states. Passed all compliance regulations.

Sales and Customer Service

Closed and processed loans from start to finish.

Efficiently opened accounts and coordinated sales activities of stockholders.

Received customer service awards in recognition of excellent service.

Increased production of conforming, nonconforming, and home equity loans in the U.S.

Taught management how to increase fees on each individual mortgage loan.

Won many high-producing awards 2009 to 2013.

Marketed past clients; retained their continual business.

Exceeded branch Second Mortgage and Home Equity loan goals.

Work History

Intercontinental Capital Group Mortgage Consultant August 2020 – present

Completed loans in Missouri, Colorado, and Arizona, as well as numerous personal-sourced loans and California high-balance loans. Ensured that all loans were compliant with Federal and State regulations. Helped homeowners to refinance and save money through debt consolidation.

Insight Home Loans Mortgage Consultant May 2019 – August 2020 Worked on licensing requirements. Documented the entire loan process for compliance accuracy. Referred clients to refinancing options. Collected an uploaded documentation to the computer system.

1st Equity Funding Group Mortgage Consultant Sept 2018 – May 2019

Started Loan applications For Refinance and Purchase. Entered data on Computer using standard computer programs. Uploaded income information. Verified client information on Mortgage loans. Followed loan thru from start to closing. Followed up and made sure loans were funded.

Ditech Financial Senior Loan Officer Jan 2018 – Sept 2018

Taught new loan officers innovative lending strategies, both conforming and nonconforming. Ensured that all loans were compliant with Federal and State regulations. Followed loan thru from start to closing. Followed up and made sure loans were funded. Consulted with clients and suggested investment strategies..

Bank of America Senior Loan Officer April 2015 – Dec 2017

Helped homeowners to refinance and save money through debt consolidation. Followed up and made sure loans were funded. Trained telemarketers to bring in clients for mortgages. Ensured that all loans were compliant with Federal and State regulations.

Fifth Third Bank Senior Loan Officer Jan 2015 – Feb 2015

Ensured that all loans were compliant with Federal and State regulations. Followed loan thru from start to closing. Followed up and made sure loans were funded. Worked with area attorneys to solve tax lien and severe debt problems of home owners.

Enterprise Bank– St. Louis, MO Senior Loan Officer Feb 2014 – Jan 2015

Documented the entire loan process for compliance accuracy. Helped homeowners to refinance and save money through debt consolidation. Increased production of conforming, nonconforming, and home equity loans in the U. S. Ensured that all loans were compliant with Federal and State regulations.

Wells Fargo – St. Louis, MO Senior Loan Officer April 2013 – Jan 2014

Increased production of conforming, nonconforming, and home equity loans in the U. S. Worked with area attorneys to solve tax lien and severe debt problems of home owners. Consulted with clients and suggested investment strategies.

JP Morgan Chase – Chesterfield, MO Senior Loan Officer Mar 2009 – Jan 2013

Followed loan thru from start to closing. Followed up and made sure loans were funded. Ensured that all loans were compliant with Federal and State regulations. Helped homeowners to refinance and save money through debt consolidation. Followed up and made sure loans were funded.

First Horizon Home Loans – St. Louis, MO Senior Loan Officer 2001 – 2009

First Community Resources – University City, MO Senior Loan Officer 1997 – 2001

Custom Mortgage – Creve Coeur, MO Loan Officer 1995 – 1997

Georgetown Mortgage Inc. – University City, MO Loan Officer 1990 – 1995

Education

Maryville University - St. Louis, MO B.S. in Management, Minor in Finance and Marketing 1986

Dean’s List, President of Executive Business Association, Student Government Senator, Tennis Team Sportsmanship Award

Chuck Kennedy References

Dennis Sauerwein Owner, First American Lending 314-***-****

John Doheny Attorney, Tax Specialist 314-***-****

David Allen Stockbroker, Oppenheimer Securities 314 746- 2576

Ann McCool Prudential Realtors 314-***-****

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