Mortgage Loan Officer

Christian A. Ciltara

**** ***** *****

Parma, Ohio 44134

Mobile: 216-***-****

*********.*******@*****.***

IT PROFESSIONAL OBJECTIVE

Recently CompTIA A+ certified professional ready to begin a career in information technology, with an eventual focus on network architecture and cyber security

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EXPERIENCE

Nations Lending Corporation, Independence, OH

Senior Business Retention Officer

09/2021-5/2022

Analyze book of currently-serviced borrowers for retention refinance opportunities

Field marketing calls for borrowers with payoff requests to keep their servicing on the company's books.

Maintain strong relationships with serviced borrowers to earn repeat business. First Home Mortgage Corporation, Baltimore, MD

Project Reviewer

03/2021-06/2021

Underwrote condo project documentation according to review type within FNMA/LPA guidelines.

Set and cleared project review conditions.

Recorded full review approvals with FNMA Condo Project Manager.

Tracked condo project information and documentation in shared condo team resources and databases.

Maintained communication with branches and assisted with fulfillment of conditions. Ensured that all requests were completed timely within the appropriate turnaround windows.

Performed legal reviews for new projects and project conversions. Nations Lending Corporation, Independence, OH

Condo Underwriter

02/2020-03/2021

Reviewed loan files to determine condo review type.

Contacted third parties to request and ordered documentation necessary for completion of condo project review.

Communicated review progress to the branch who requested the review.

Underwrote condo project documentation according to review type within FNMA/LPA guidelines.

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Tracked condo project review information and documentation in shared condo team resources and databases.

Underwriting Assistant

05/2018-02/2020

Worked closely with underwriting team to provide time saving assistance and keep the flow of loan assignments to team members smooth and evenly distributed.

Reviewed loan files submitted to underwriting to ensure quality standards were met before assignment to an underwriter.

Returned deficient filles submitted to the underwriting queue to the branch they were submitted from, with reason for the return explained, and provided specific instructions to correct the deficiency before submitting the file again.

Ordered non-delegated mortgage insurance for the underwriting team and uploaded all necessary information for the mortgage insurance company to render a decision. Loan Officer

12/2013-05/2018

Interviewed prospective clients for mortgage loan eligibility and advised on loan options.

Established and maintained strong client relationships to garner repeat business and referrals.

Entered and accurately maintained loan information into Encompass LOS.

Served as the primary point of contact throughout the process for clients through loan closing.

Quicken Loans, Cleveland, OH

Loan Officer

04/2012-05/2013

Interviewed prospective clients for mortgage loan eligibility and advised on loan options.

Established and maintained strong client relationships to garner repeat business and referrals.

Served as the primary point of contact throughout the process for clients through loan closing.

EDUCATION

Garfield Heights High School, Garfield Heights, OH 09/1999-06/2003

High School Diploma

TECHNOLOGY SKILLS AND CERTIFICATIONS:

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CompTIA A+ Certification. ID COMP001022176617

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