Loan Officer Mortgage

Maria Laura Papallo NMLS *****

Palm Bay, FL/East Longmeadow, MA 32907 321-***-**** ************@*******.*** CAREER SUMMARY

Loan Officer with focus on maximizing efficiency. Strong communication, organizational, conflict resolution, problem solving and interpersonal skills. Goal-oriented leader with outstanding knowledge of sales, collections, underwriting, banking, auditing, credit analysis, loans and information technology. Able to set priorities to achieve immediate and long-term goals while meeting excellence in customer service. Energetic and self-motivated team player/builder. Proven ability to work both independently and in a team. Experienced in successful management of diverse groups of people.

CAREER EXPERIENCE

Security National Mortgage 07/15/2023-Present

Mortgage Loan Officer – Space Coast Region Florida Meets with and interviews with potential and current clients to understand their lending needs including first-time mortgages, and refinance of existing loans.

Explains the differences between approval requirements of various types of mortgages; prepares and presents a lending package based on client specifications.

Assists clients with completion of mortgage applications, inspecting completed documents for accuracy and thoroughness. Outside sales that involved realtor and Builder business to develop interest in my company to do business with us. Provided Preapprovals, and worked applications from start to finish. National Fidelity 09/15/2023-03/01/2024

Common debt negotiation strategies include asking for reduced interest rates, working with a lender to create a repayment plan and considering debt consolidation. responsible for managing client accounts, developing, and implementing financial solutions, and maintaining relationships with clients. My role involved providing financial guidance and resolving client inquiries and working towards achieving client financial goals. I used Strong interpersonal and communication skills educated and helped clients settle their debt to achieve a healthier financial lifestyle. I worked with different creditors and law firms to negotiate settlement terms River City Mortgage 11/1/2019-04/01/2023

Regional Mortgage Loan Officer

Licensed Mortgage Loan officer in 20 + states including Florida in the US. Specializing in Refinancing of FHA and Conventional Fannie and Freddie Mac 1st mortgages. Worked with Realtors to develop purchase loan business, refinanced new business by calling on daily purchase and refinance leads, Call center, also appointments were made for me to visit customers’ homes and sold refinances for debt consolidation loans in the New England Area. Carrington Mortgage Services 09/1/2015-10/1/2019

Mortgage Loan Officer

Retail Division. Refinanced existing portfolio, Worked with Realtors to develop and produce new Business. for all types of government loans. Team coach, highest producer. CitiFinancial

Executive Vice President 2/1/1994- 5/15/2015

District Sales & Collection: Manager of 8 offices in both CT and MA. Supervised 28 employees, conducted performance reviews, coaching, hiring, terminations. In addition, supervised collections portfolio. Developed a brand-new district to superior results. Oversaw personal loans, home equity, 1st and second mortgage, consumer finance. Managed portfolio of over 100 million dollars and competed with all other regions to be the number 1 district. Evaluated the effectiveness of the branch office system and individual branches by directing reviews of branch activity statistics and related reports. Responsible for income and expense goal setting and end results, consistent with the company’s business plan. Ensured and compliance with federal and state regulations throughout the branch system. Collected payments, completed loan applications and met with customers. Traveled to eight branch offices between CT and MA daily, to conduct reviews. LEADERSHIP/TECHNOLOGY SKILLS

- Advanced in Microsoft; Excel, Word, Outlook, PowerPoint.

- AUS Systems LP DU

_ Credit Report Analyzation

- Excellent interpersonal and customer service skills.

- Excellent organizational skills and attention to detail.

- Excellent interpersonal and customer service skills.

- Thorough understanding of Federal Housing Authority (FHA), Veterans Affairs (VA), Federal National Mortgage (Fannie Mae), and other types of construction and conventional loans.

- Proficient with Microsoft Office Suite or related software. EDUCATION

Classical High School

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