Mortgage Loan Officer

AMANDA WHITEHEAD

Holly Pond, AL ***** 256-***-**** *************@*****.*** WWW: Online Digital Resume Successful Mortgage Loan Officer with over 15 years of experience in secondary market lending. Successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet deadlines and a dedicated professional with history of meeting company goals in addition to utilizing consistent and organized practices. Skilled in working under pressure, in high stress situations, on a tight time line, always adapting to new situations and challenges to best enhance the brand of the company. Excellent reputation for resolving problems and improving customer satisfaction. Quick Learner that adapts to change quickly and with ease. Extensive real estate knowledge and success in client and realtor education. Well versed in Fannie Mae Freddie Mac guidelines, as well as government financing such as USDA, VA, FHA and a few other niche products. Possesses deep understanding of credit analysis, credit repair, income analysis, loan origination, and closing. Experience in starting up two separate mortgage departments for local banks and implementation and maintenance of the mortgage POS website for customers to apply online. Extensive knowledge in quoting interest rates, cost estimates, and writing up contracts for FSBO transactions. Experience in managing a team of dual roll loan officers within a bank and assisted with all faucets of the secondary market lending as well as performed annual reviews and review of team goals for each. Create and maintain onboarding and training

materials for new hires

Contract negotiations

Market Research and Sales Development

Referral Network Development

Real Estate Title and Underwriting Guideline review Establish and implement department policies and

procedures

Government loan, conventional loan, and

construction Lending

Underwriting Process

Mortgage department Accounts Payable and

Implement and encourage community involvement

for team

Morale booster and encourager to team

Oral And Written Communication

Audit and compliance

Annual reviews for employees

Streamline processes

Credit Repair

Prospecting Clients

income analysis including self employed borrowers

i.e. LLC, sole proprietors, Corporations, and W2

earners

PROFESSIONAL SUMMARY

SKILLS

Accounts Receivable along with GL ticket

knowledge

New mortgage department set up, vendor contract

completion, and review for set up

Microsoft 365

Mortgage Loan Originator, 08/2020 - Current

Gateway Mortgage Group – Cullman, AL

Work with underwriters to fix application problems and resolve issues that may arise Oversee scheduling of timely loan closing to satisfy home builder, realtor and borrower needs under certain time restraints

Implement sales strategies that establish relationships with realtors, CPAs, homebuilders, attorney's, insurance agents in order to increase sales

Obtain copies of applicants' credit history and review paperwork to determine ability to repay loan, uncover struggles and strategize to consolidate to reduce debt load when applicable. Explain flow of loan process and technical financial information to applicants in easy to understand language. Begin loan origination process by ordering credit reports, disclosing initial documents to borrower to click sign, appraisals and preliminary title report, obtain and review in depth supporting documentation from borrower i.e. paystubs, bank statements, tax returns etc. Cash Flow analysis for personal and business tax returns and K1's Create (co) branded marketing flyers, emails, social media posts, and educational materials for seminars and other industry professionals for their first time homebuyers, credit repair clients, Veterans, identity theft, Natural Disaster scenarios etc. to further educate on options available to them Guideline review and application

Interest rate forecast and lock in for borrowers

Compile closing costs and fee worksheet figures

Product fit borrowers based on financial needs, assets, income and credit scores Work with income and property eligible loan products and ensure properties pass requirements, and borrowers income fits within median income guidelines or as stated in product guidelines Prepared file for final clear-to-close

Maintained compliance with privacy and security requirements, as well as federal statutes covering conventional, construction and government loans.

Specialize in construction loans for one time and two time close loans covering site built homes and modular homes. Monitor progress and assist in draws working closely with builder and borrower until home is complete WORK HISTORY

and modification / permanent loan is closed

Work daily with CRM, LOS and POS systems as well as Loan Beam (Linkstep), BYTE, Surefire powered by Top of Mind, GIPP, Learning Hubs, ADP, Microsoft software (outlook, excel, powerpoint, 365, bookings, calendar, Teams, Onedrive, To- Do), MobilityRE, Motivity, IDS, Optimal Blue for rate quotes and lock-ins, Concur, Compensafe, Compspot, Connex, as well as many 3rd party sites and systems. Mortgage Team Lead, Supervisor, 12/2012 - 08/2020 Peoples Bank Of Alabama – Cullman, AL

Follow up post closing with borrowers to ensure everything is as it should be and ensure process flowed smoothly for all parties involved

Initiate and track social media marketing campaigns Assisted mortgage team with CRA credit smart seminars as required per FDIC policy and CE classes for realtors for business development purposes

Supplied realtors with branded material to handout to clients, specifically first time homebuyers, to assist in home buying and mortgage loan processes

Monitor marketing strategies performed with Google Analytics Assisted team in new business development

Specialize in construction lending for one time close and two time close loans and track progress to prepare for modification or permanent mortgage loan

Assisted and supervised team of loan officers in answering questions for secondary market mortgage loans, compliance, assisted with initial documentation prep Processed mortgage loans as needed

Right hand to mortgage manager assisting in any area help was needed and stand in, in manager's absence Prepared reports for tracking Google analytics for different marketing campaigns and to track mortgage website traffic

Set up, ran testing, and maintained mortgage website daily in issuing rates, updating guideline changes, set up or remove loan officers, etc.

Stayed abreast of guideline changes in mortgage industry and relayed to loan officers as needed Attended conferences out of state for mortgage department POS and LOS systems maintained Assisted in resolving any issues that would arise during loan process for loan officer's supervised Focused on community reinvestment with educated low income areas with majority minority population as per FFIEC and FDIC

Onboarding and Trained new team members by relaying information on company procedures and safety requirements

Coached team members in techniques necessary to complete job tasks Evaluated employee skills and knowledge regularly, training and mentoring individuals with lagging skills. Took on additional job duties during unexpected backlog, resulting in meeting project target date. Directed and supervised team of 15 engaged in secondary market mortgage lends and career development Prepared detailed reports on updates to project specifications, progress, identified conflicts and team activities to report to board of directors monthly

Managed schedules and accepted time off requested

Received and approved team members expense reports for reimbursement Performed annual reviews

Assisted Mortgage Manager and Executive Vice President in hiring process for team members when needed Constantly reviewing and working on originating and processing process to further streamline flow to reduce any type of duplicated work during process

Made LOS system changes and created template based print groups to speed up process for loan officers and processors

Originated loan as needed in absence of mortgage loan officer Some College (No Degree): Behavioral Sciences

Wallace State Community College - Hanceville - Hanceville, AL Transferred to finishing school. No Associates degree offered in Major of Behavioral Science at time of attendance. Some College (No Degree): Behavioral Sciences

Athens State University - Athens, AL

Cullman Association of Realtors Public Relations Committee

- April 2012 to Present

Assist a committee in raising funds for local charities and organizations Cullman Association of Realtors Executive Committee

- Jan. 2020 to December 2020

Cullman Area Chamber of Commerce

- May 2014 to October 2014

Assisted in recruiting members to join the Cullman Area Chamber of Commerce Victim Service of Cullman - 501C3 organization assisting in domestic abuse survivors

- September 2022 to Present

Board of director and treasurer / secretary

EDUCATION

ACCOMPLISHMENTS

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