Steve Elmore

*** ****** ****, ***. ***, Colorado Springs CO. 80905

Phone: 719-***-****

Email: adxrv4@r.postjobfree.com

Profile: High-performance sales/customer service representative, and data entry professional with over 15 years’ experience in customer contact & service, data entry, loan structuring & presentation, loan processing, office automation, team leadership, telephone sales and business management. A valuable asset to any company that places a high priority on customer service, communication, and effective organization.

Career Highlights:

Real Estate Experience: Loan officer in residential mortgage industry from 1997 until 2007, during which I regularly networked with both buying and listing agents, and became familiar with the details of real estate transactions. This experience was increased and updated in three other time periods; with USAA Mortgage Services from 2010-201, followed by Peoples Mortgage from 2012-2013, and finally with Mortgage Solutions Financial from 2015-2016.

Entered the finance industry from an unrelated field in 1997 and was promoted from telemarketer to loan officer in one month.

During the first month as a loan officer, received award for top closer of the month, with 5 loans generating $27K in origination fees.

Advanced to team manager in four months, motivated team to achieve highest closing ratio in the following month, totaling $1m in mortgage loans.

Responded to sweeping industry changes by shifting primary focus to VA & FHA loans.

In some of the hardest months in mortgage industry history, attained monthly averages from $500K to $1M for Ascend Mortgage and Evergreen Home Loans.

Achieved the equivalent of degree in business management through "hands on" experience in the home finance industry.

In 12 months of telephone service sales, achieved highest conversion rate in the call center for over 120 days

Licensed as insurance agent for state of Colorado.

Functional Experience:

Customer Contact. Extensive experience in contacting prospective customers via tele-marketing [averaged 10 contacts per week] and networking with other professionals. 12 months experience in high-volume call center supporting a technical service organization.

Loan Structuring & Presentation. Performed in-depth analysis of prospective borrowers’ individual financial needs, and structured of loans that meet those needs, while constantly monitoring changing loan parameters and fluctuating interest rates. Presented proposed programs to borrowers and maintained a constant level of goal orientation & customer service, facilitating an average of 3 to 5 loan closings per month.

Loan Processing. Assembled and updated all relevant data for loan processing, including: verification of citizenship, employment & income information, residential background, pay-off figures for loans and debts to be discharged.

Office Automation. Proficient in leading loan industry-related software, including Calyx Point loan processing and desk top underwriting software, as well as Microsoft Office products

Functional Experience in Other Fields:

Proficient in the use of SAP and Oracle software. I became familiar with these programs during my tenure with Evicore and Connect 4 Health Colorado. (See job history.)

Steve Elmore

820 Oxford Lane, Apt. 310, Colorado Springs CO. 80905

Phone: 719-***-****

Email: adxrv4@r.postjobfree.com

Functional Experience: [continued]

Team leadership. Managed teams of up to 10 loan officers, providing supervision and training and ensuring quality customer service by contacting their prospective borrowers.

Business Management. Facilitated successful merger between ascend mortgage one, llc and evergreen home loans by restructuring business practices to align with new corporate guidelines and updating client database to sustain repeat business.

Work Summary:

10/31/2022-3/9/2023: Wipro/Alight/CVS: Customer Care Agent for the CVS MyHR Service Center

6/14/2022-10/6/22: Robert Half/Lendmark Financial Services: Loan Consultant

4/2021-02/2022: Artech/Accenture Group/TN Department of Labor and Workforce Development… Claims Agent, Legislative Team/TN Department of Human Services, Application Processor

1/2021-2/2021: Genpact/Bank of America… Loan Processor [Note: This was a contract position, processing loans for the Small Business Paycheck Protection Program. Contract was terminated early due to lack of response from the public.]

4/2020-10/2020 Evicore…Intake Representative

11/2019-4/2020 Dollar General... Salesperson

Location: Colorado Springs CO.

12/2018-3/2019 Atterro/ Connect For Health Colorado… Customer Care Agent/Enrollment

Assistant [Contract Position]. Location: Colorado Springs CO.

9/2017-9/2018 Conduent/Verizon Wireless… Tier 1 Customer Care Representative.

Location: Colorado Springs CO.

8/2015-5/2016 Mortgage Solutions Financial… Loan Processor/Funding Monitor.

Location: Colorado Springs CO.

10/14- 5/15 Alorica… Retention Specialist.

Location: Colorado Springs CO.

5/13- 10/14 Time-Warner Cable……Customer Care Representative.

Location: Colorado Springs CO.

7/12 – 3/13 Peoples Mortgage Corp Loan Assistant.

Location: Colorado Springs CO.

8/11 – 11/11 Credit Service Company Collections Agent.

Location: Colorado Springs CO.

07/10 - 01/11 Peyton Resource Group/USAA Mortgage Loan Processor

[Contract Position]. Location: Colorado Springs CO.

06/09 - 06/10 Precision Response Corporation Inbound Phone Sales

[Contract Position]. Location: Colorado Springs CO.

02/08 - 04/09 Progressive Insurance Inbound Phone Sales Representative.

Location: Colorado Springs CO.

04/08 - 06/08 Evergreen Home Loans Sr. Loan Consultant.

Location: Colorado Springs CO.

04/04 - 04/08 Ascend Mortgage One, LLC Sr. Loan Officer.

Location: Colorado Springs CO.

03/00 - 04/04 McGinnis Mortgage Corporation Sr. Loan Officer

03/97 - 03/00 First Capital Mortgage Sr. Loan Officer & Team Manager.

Location: Colorado Springs CO.

Education:

High School Diploma

Completed Property and Casualty Insurance exam.

References available on request.

X

Addendum to Resume/Positions and Relevant Duties/Skills/Achievements

1/21-2/21 Genpact/Bank of America: Data entry and processing of loan applications for the Covid 19 relief Small Business Paycheck Protection Program. The public response to the program was much lower than anticipated, and therefore the call volume was low. I processed between 10-20 calls per dy.

4/20-9/20 Evicore: Taking calls from medical facilities and doctors’ offices to record medical data for health care claims for medical procedures. Forwarding of this information to Evicore’s clinical staff to determine if procedure was medically necessary. Handled between 50-75 calls per day.

12/18-3/19 Atterro/ Connect For Health Colorado…

Basic account maintenance, opening new accounts, data entry and updating records of account. Primarily I worked as an Enrollment Assistant, aiding customers to determine what kind of health coverage they qualified for, and what types of tax credits and subsidies were available to make coverage more affordable. This work included establishing eligibility for both regular health coverage plans (such as through Anthem/Blue Cross/Blue Shield, Kaiser Permanente, etc.), and state/federal funded programs such as Medicare.

9/2017-9/2018 Conduent/Verizon Wireless…

Basic customer care encompassing aspects of billing, account maintenance and closure, data entry, problem solving, and technical troubleshooting.

8/2015-5/2016 Mortgage Solutions Financial: Duties/Skills…

Receiving and evaluating incoming loan packages to ensure all needed documents were correctly signed and notarized. Data entry, including, but not limited to, updating closed loan information, inputting and/or updating information for new and existing loans. Monitoring email “funding inbox” to ensure that loans that had to fund the same day had all the correct documentation. Sending authorization for release of funding cash-wires to title agencies, and/or other authorized loan-closers.

7/15- 8/2015 Tristar Funding… Sales

Duties/Skills: Making outbound sales/acquisition calls, office automation, running multiple computer applications, data entry.

10/14- 5/15 Alorica… Retention Specialist

Duties/Skills: Taking inbound calls for purposes of retaining existing customers, customer service, office automation, running multiple computer applications.

5/13- 10/14 Time-Warner Cable……Customer Care Representative

Duties/Skills: Taking inbound customer care calls, account update and management, scheduling payments and new services, technical and non-technical trouble-shooting, office automation, running multiple computer applications.

7/12 – 3/13 Peoples Mortgage Corp Loan Assistant

Duties/Skills: Utilization of industry-related software, including Calyx Point loan processing and desk top underwriting software, as well as Microsoft Office products.

Assembling and updating all relevant data for loan processing, including: verification of citizenship, employment & income information, residential background, pay-off figures for loans and debts to be discharged.

Facilitating loan closing process, scheduling loan closings, review of final figures.

8/11 – 11/11 Credit Service Company Collections Agent

Duties/Skills: Making outbound calls for collections of outstanding debts, account management and updating, scheduling payments, office automation/use of debt collections software, running multiple computer applications

07/10 - 01/11 Peyton Resource Group/USAA Mortgage Loan Processor

Duties/Skills: Utilization of industry-related software, including Calyx Point loan processing and desk top underwriting software, as well as Microsoft Office products.

Assembling and updating all relevant data for loan processing, including: verification of citizenship, employment & income information, residential background, pay-off figures for loans and debts to be discharged.

Facilitating loan closing process, scheduling loan closings, review of final figures.

06/09 - 06/10 Precision Response Corporation Inbound Phone Sales

Duties/Skills: Office automation, utilizing current customer service/sales software. Taking inbound sales calls, and establishing new accounts, running multiple computer applications.

Relevant Career Achievements: In 12 months of telephone service sales, achieved highest conversion rate in the call center for over 120 days

02/08 - 04/09 Progressive Insurance Inbound Phone Sales Representative

Duties/Skills: Completed qualification for property and casualty license, office automation, utilizing current insurance sales/customer service software, running multiple computer applications, maintenance of existing policies, and establishing new customer accounts.

Relevant Career Achievement: Obtained property and casualty insurance license.

04/08 - 06/08 Evergreen Home Loans Sr. Loan Consultant

Duties/Skills: Contacting prospective customers via telemarketing [averaged 10 contacts per week] and networking with other professionals.

Performing in-depth analysis of prospective borrowers individual financial needs, and structured of loans that meet those needs, while constantly monitoring changing loan parameters and fluctuating interest rates. Presented proposed programs to borrowers and maintained a constant level of goal orientation & customer service, facilitating an average of 3 to 5 loan closings per month.

Utilization of industry-related software, including Calyx Point loan processing and desk top underwriting software, as well as Microsoft Office products.

Assembling and updating all relevant data for loan processing, including: verification of citizenship, employment & income information, residential background, pay-off figures for loans and debts to be discharged.

Facilitating successful merger between Ascend Mortgage One, LLC., and Evergreen Home Loans by restructuring business practices to align with new corporate guidelines and updating client database to sustain repeat business.

Relevant Career Achievements: Responded to sweeping industry changes by shifting primary focus to VA & FHA loans. In some of the hardest months in mortgage industry history, attained monthly averages from $500K to $1M for Ascend Mortgage and Evergreen Home Loans. Achieved the equivalent of degree in business management through "hands on" experience in the home finance industry.

04/04 - 04/08 Ascend Mortgage One, LLC Sr. Loan Officer

Duties/Skills: Contacting prospective customers via telemarketing [averaged 10 contacts per week] and networking with other professionals. 12 months experience in high-volume call center supporting a technical service organization.

Performing in-depth analysis of prospective borrowers individual financial needs, and structured of loans that meet those needs, while constantly monitoring changing loan parameters and fluctuating interest rates. Presented proposed programs to borrowers and maintained a constant level of goal orientation & customer service, facilitating an average of 3 to 5 loan closings per month.

Utilization of industry-related software, including Calyx Point loan processing and desk top underwriting software, as well as Microsoft Office products.

Assembling and updating all relevant data for loan processing, including: verification of citizenship, employment & income information, residential background, pay-off figures for loans and debts to be discharged.

Facilitating successful merger between Ascend Mortgage One, LLC., and Evergreen Home Loans by restructuring business practices to align with new corporate guidelines and updating client database to sustain repeat business.

Relevant Career Achievements: Responded to sweeping industry changes by shifting primary focus to VA & FHA loans.

In some of the hardest months in mortgage industry history, attained monthly averages from $500K to $1M for Ascend Mortgage and Evergreen Home Loans.

03/00 - 04/04 McGinnis Mortgage Corporation… Sr. Loan Officer

Duties/Skills: Contacting prospective customers via telemarketing [averaged 10 contacts per week] and networking with other professionals. 12 months experience in high-volume call center supporting a technical service organization.

Performing in-depth analysis of prospective borrowers individual financial needs, and structured of loans that meet those needs, while constantly monitoring changing loan parameters and fluctuating interest rates. Presented proposed programs to borrowers and maintained a constant level of goal orientation & customer service, facilitating an average of 3 to 5 loan closings per month.

Utilization of industry-related software, including Calyx Point loan processing and desk top underwriting software, as well as Microsoft Office products

Assembling and updating all relevant data for loan processing, including: verification of citizenship, employment & income information, residential background, pay-off figures for loans and debts to be discharged.

03/97 - 03/00 First Capital Mortgage Sr. Loan Officer & Team Manager

Duties/Skills: Contacting prospective customers via telemarketing [averaged 10 contacts per week] and networking with other professionals. 12 months experience in high-volume call center supporting a technical service organization.

Performing in-depth analysis of prospective borrowers individual financial needs, and structured of loans that meet those needs, while constantly monitoring changing loan parameters and fluctuating interest rates. Presented proposed programs to borrowers and maintained a constant level of goal orientation & customer service, facilitating an average of 3 to 5 loan closings per month.

Utilization of industry-related software, including Calyx Point loan processing and desk top underwriting software, as well as Microsoft Office products

Assembling and updating all relevant data for loan processing, including: verification of citizenship, employment & income information, residential background, pay-off figures for loans and debts to be discharged.

Serving as team-manager for 5-10 loan officers; responsible for training loan officers and monitoring their loan applications and files.

Relevant Career Achievements: Entered the finance industry from an unrelated field in 1997 and was promoted from telemarketer to loan officer in one month.

During the first month as a loan officer, received award for top closer of the month, with 5 loans generating $27K in origination fees.

Advanced to team manager in four months, motivated team to achieve highest closing ratio in the following month, totaling $1m in mortgage loans.

X

Additional Job History/Experience

1988-1990: Play It Again Sports

Position: Clerk/Salesperson/Cashier

1990-1993: Heroes and Dragons

Position: Clerk/Salesperson/Cashier

Contact this candidate