James D. Bolinger

***** ***** *** ******** ** ***78~ 574-***-**** ~ adx51m@r.postjobfree.com

Director of Mortgage Lending

Mortgage industry professional with staff management and loan-processing experience

Comprehensive knowledge of conventional and government loan programs.

Diligent and detail-oriented -- thorough in the mortgage process from gathering borrower information, verifying loan documents and reviewing file documentation to guide each loan from preapproval to closing. CORE COMPETENCIES

FNMA FHA FHHLC and VA knowledge.

Regulatory compliance.

Adobe Expert.

Skilled in receiving, analyzing and evaluating incoming documents to ascertain loan eligibility.

Adept at verifying credit reports, income, and assets.

Well versed in filing and submitting loan through automated underwriting programs like DU/LP upon validation.

Substantial knowledge of real estate terminology and departmental procedures, loan related documentation requirements and relevant state issued regulations.

Excellent Communication Skills.

Enjoy talking to people and establishing a long-term, loyal customer base.

Work effectively with minimum supervision.

Self-motivated with ability to diversify techniques based on the job requirements.

Possess strong analytical and planning skills.

Fluent in English and knowledge of Spanish, Portuguese, and Russian. EXPERIENCE

Champions Mortgage, Seminole FL

Director of Mortgage Lending (April 2022 - December 2022)

Oversee and direct daily activity for the Operations teams.

Monitor productivity and budgetary performance of the operations department, ensuring efficient management of processes and balanced delegation of work is prioritized

Ensure customer satisfaction remains exemplary by frequently reviewing customer comments, concerns, and questions. Track the operations department and provide coaching as necessary to make improvements

Manage and track individual and team performance to provide updates to senior leadership regarding overall process, performance, and productivity

Create and communicate operational goals for the team that align with overall business objectives

Contribute to efficient loan operations by maintaining an understanding of overall business initiatives, implementing changes where needed

Excel Mortgage, Tampa, FL

Mortgage Staff Manager (May 2016-April 2022)

Verified, compiled, and typed application information for mortgage loans. Reviewed residential loan application file to verify that application data is complete and meets establishment standards, including type and amount of mortgage, borrower assets, liabilities, and length of employment.

Reviewed signed loan docs and made recommendations if loan did not meet standards or was at risk of be denied.

Collected employment information to verify accuracy of information.

Ordered and reviewed appraisal and requested any changes that needed to be made.

Contacted specified companies to obtain Title, property inspections, survey, and condo docs.

Finalized loan in either Desktop Under-Writer or Loan Prospector.

Submitted mortgage loan application file for underwriting approval. Called and Emailed approval letters to applicants and collects the necessary Documentation for resubmission to under writer.

Resubmitted conditions to under writer for final approval and the Clear to close.

Submitted approved mortgage loan file to MORTGAGE LOAN CLOSER Closing Discloser and for settlement.

Recorded data status of loans; Submitted, approved, canceled, or denied, uploads all docs, verifies the file is complete in Caylx and verifies all contact information is correct in Caylx. Quick Close, Seminole, FL

Mortgage Loan Processing Manager (March 2013-May 2016)

Developed a detailed loan tracking system that led to an 80% decrease in manual loan tracking effort.

Regarded as one of the company’s most productive loan processors,

Ensured all files were complete prior to underwriting hand-off and coordinated effectively with title companies to ensure smooth closings.

Processed challenging loan applications of first-time borrowers, self-employed applicants and borrowers with problematic credit histories.

Reviewed and verified borrowers' income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal.

Ensured all files were complete prior to underwriting hand-off and coordinated effectively with title companies to ensure smooth closings.

Outperformed company average in achieving loan processing turn-around time of 30 days. Real Estate Entrepreneur (2007 – 2013)

Participated in weekly Sheriff Sale Auctions to purchase residential and commercial real estate.

Worked with various government offices to research title liabilities.

Completed whole house renovations including re-wiring projects, and all other aspects of the Renovation Project.

Replaced old service panels.

Successful implemented sales processes within preferred time frames.

Worked with Mortgage Loan Originators to help the buyers with Mortgage Finances. Elkhart Montessori Academy, Elkhart, IN

Board Member/School Spokesman (2007-2013)

Received Montessori Teacher Assistance Training.

Participated in monthly board meetings and made key decisions.

Researched, identified, and proposed solutions to resolve various school issues and deficiencies.

Increased student enrollment by participating in local public events.

Propelled unique family recruitment programs to increase student count.

Acted as a liaison between school and parents.

Recruited various vendors to sponsor school events.

Aided in reversing strained relationships that ended up brining new families to Montessori. Mishawaka Utilities, Mishawaka, IN

Outside Service Representative (1996-2008)

Sized up and installed current transformers and service trims.

Programmed and installed service demand meters.

Worked with new commercial clients to understand their electrical demand needs.

Performed electrical resolution procedures for residential and commercial customers.

Assessed and analyzed existing electrical equipment.

Insured customers had most efficient metering equipment.

Installed and removed residential meters.

Mishawaka Utilities, Mishawaka, IN - http://mishawaka.in.gov/mu Electrical Meter Theory Apprenticeship (1996)

Attended required classes to complete apprenticeship ENERGO, Riga, Latvia

International Business Facilitator (2000 – 2007)

Created company portfolio and proposal for Latvian retailer.

Secured exclusive rights to market Craftsman and Klein tools in Latvia.

Conducted business and contract negotiations.

Increased electrical supply and tool sales by 10% by developing key relationships with American companies.

Patrick Industries, Elkhart, IN

Machinery Department Supervisor (1994-1996)

Supervised laminating machine workers.

Conducted company trainings for all Latin American/Spanish employees.

Served as translator.

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