Loan Officer Financial Services
Resume:
Linda Romaelle
Miami, FL *****
*************@*****.***
Professional Summary
Dedicated and reliable professional with 25 years of experience, offering versatile skill sets in financial services and accounting, with a proven track record in implementing initiatives to reduce costs, streamline processes and deliver the highest standard of service. Highly skilled in conflict resolution and mediation techniques and particularly strong in sales, critical thinking and ability to effective communicate with individuals at all levels.
Willing to relocate: Anywhere
Work Experience
Realtor and Loan Officer
Florida Capital Realty and First Financial Inc
June 2016 to Present
Realtor: Prospect, interview clients, show homes, place contract, negotiate executed sales contract
• Loan Officer: Educate and pre-qualify clients, pre underwrite loans, gather and verify documents, submit to underwriter, gather conditioned items, attend closing. Follow up with clients post-closing. Senior Administrator Loan Officer
THE FORCE GROUP
October 2015 to June 2016
• Responsible for accounting, bookkeeping, marketing, license and regulations, and NMLS reports.
• Promoted and executed business development, marketing and customer relationship management.
• DU and Mortgage Industry Standards Maintenance Organization's (MISMO) proficiency for Fannie Mae and Freddie Mac.
• Conduct initial customer interview and loan applications to find appropriate loan program.
• Interpreted and reviewed purchase contracts for realtors to ensure completeness and accuracy.
• Handled Credit Bureau Disputes, Rapid re-scores, instant credit merges and supplements.
• Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers.
• Processed and communicated documentation requirements, status and potential issues to all parties in to the loan transaction, compiled with all underwriting conditions. (TRID).
• Ensured the Loan Origination System is accurate and up to date at all times throughout the loan transaction.
• Reviewed and communicate initial and final loan approval notifications within a desired timeframe.
• Cultivated strong professional relationships and positive rapport with all parties related to the loan transaction.
• Preform and maintained all bookkeeping and loan compliance. Retail Mortgage Consultant
WELLSFARGO BANK
June 2014 to September 2015
• Generated residential mortgage loans.
• Executed the loan origination process, including ordering credit reports, appraisals and preliminary title reports.
• Adhered to all federal and state compliance guidelines relative to retail mortgage lending.
• Analyzed applicant disclosures, financial status, credit and property evaluation to determine feasibility of granting loan.
• Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers.
• Educated loan customers on the variety of loan products and available credit options. Retail Mortgage Banker
CHASE BANK
August 2012 to May 2014
• Generated residential mortgage loans.
• Executed the loan origination process, including ordering credit reports, appraisals and preliminary title reports.
• Adhered to all federal and state compliance guidelines relative to retail mortgage lending.
• Analyzed applicant disclosures, financial status, credit and property evaluation to determine feasibility of granting loan.
• Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers.
• Educated loan customers on the variety of loan products and available credit options. Supervisor, Condo Mortgages
THE FORCE GROUP
January 2000 to February 2012
• Managed several condominium developments, scheduling, closings, property inspections acting as liaison between construction managers and the developer.
• Monitored mortgage team progress and enforced closing deadlines.
• Delivered status reports to developer for budgeting and planning.
• Prepared documentation for Federal Housing Administration (FHA) approval on behalf of the developer. Credit and Collections Manager
FOREMOST FOILAGE
April 1993 to October 1999
• Developed and implemented internal operation policies.
• Supervised accounts receivables and credit and collection department.
• Renegotiated payment terms with dozens of suppliers.
• Created holds and releases.
• Managed a million dollars in sales for accounts such as Home Depot and Lowes.
• Maintained a bad collection ration of less than 1%.
• Executed bank reconciliations of multiple complex accounts. Excellent references furnished upon request.
Education
High school diploma or GED
Skills
• Banking
• Sales support
• Business Development
• Accounts Receivable
• Accounts receivable
• English
• Fair Housing regulations
• QuickBooks
• Communication skills
• Financial Services
• Bank Reconciliation
• Relationship Management
• Microsoft Office
• Sales
• Credit analysis
• Credit Analysis
• Negotiation
• Accounts payable
• Accounting
• Customer Relationship Management
• Conflict management
• Pricing
• Accounts Payable
• Loan Officer Experience
• Financial services
• Bookkeeping
• Administrative experience
• Underwriting
• Loan Origination
• Account Management
• Relationship management
• Loan processing
• Fair Housing Regulations
• Organizational skills
• Management
• Salesforce
• Spanish
Certifications and Licenses
Real Estate Broker
MLO
MLO License
Real Estate License
June 2023 to June 2025
NMLS
March 1999 to March 2025
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