Senior Mortgage Loan Consutant

MONICA BADIRCU

**** ******** *** ***, ****** , GA 30519 PHONE 404-***-**** ********@*******.***

A creative, enthusiastic, perfectionist and ambitious person with strong and effective organizational and communication skills. Good team player and able to use own initiative to achieve company objectives. Excellent computer skills. Versatile and learns new tasks/skills quickly.

CAREER INTEREST: Mortgage consultant or officer, Sales, Finance, Banking and Counseling

QUALIFICATIONS:

• Able to work well independently and in a team

• Good communication skills and great customer service provider

• Solid experience in the lending operations

PROFESSIONAL EXPERIENCE

BANK OF AMERICA HOME LOANS ( COUNTRYWIDE)

November , 2008 -present

Senior Mortgage Loan Officer

• Extremely organized with good time management and follow-up skills.

• Excellent communication skills, both oral and written.

• Ensure timely closing of loans by maintaining constant communication throughout the entire loan process amongst borrower, appraiser, loan company, title company and realtor.

• Maintained database of over 500 clients. Provided continuing correspondence to ensure satisfaction and generate future revenues.

• Contributed to the company’s goals by recognizing sales and referral opportunities and assisted in the development of marketing strategies.

• Solidify contacts with local realtors, contractors, financial advisors, and other referral sources and meet all potential borrowers, and inspect all properties for requested financing

• Review and analyze loan transaction packages for preliminary approval or denial in accordance with bank guidelines

SUNTRUST MORTGAGE, INC (Lawrenceville - GA)

December 31st 2007 - present

Senior Loan Consultant

• Self-motivated with ability to work independently, to relate at all levels of business

• Posses overall understanding of the additional bank products to enhance cross selling ability

• Able to customize loan programs tailored to meet the financial needs of individual clients.

• Review credit reports, analyze income statements and perform underwriting of income versus debt and combined asset worth.

• Provide customer with desired payment level and cost level associated with buying a new home or asset.

• Developed referral sources inside and outside of the bank leading to potential mortgage loan clients. Sources included bank personnel, realtors, builders, certified financial planners, relocation managers, accountants and existing clientele.

WASHINGTON MUTUAL HOME LOANS (Duluth - GA)

August 1st 2005 - December 30th 2007

Senior Loan Consultant

Recipient of the Washington Mutual Bank Award in August of 2007 for having the highest nr of units in Georgia on purchase transaction

Ranked # 35 Loan consultant in Wamu Nationwide in 2006

• Customize loan programs tailored to meet the financial needs of individual clients.

• Review credit reports, analyze income statements and perform underwriting of income versus debt and combined asset worth.

• Provide customer with desired payment level and cost level associated with buying a new home or asset.

• Ensure timely closing of loans by maintaining constant communication throughout the entire loan process amongst borrower, appraiser, loan company, title company and realtor.

• For refinance, calculate current loan and financial status versus savings at completion of loan. Provide advice on further financial savings available through debt consolidation.

• Expedited loan processes by efficiently networking key players, including loan processors, appraisers and local title companies.

SOUTHERN RESIDENTIAL LENDING (Duluth - GA)

April 2005 to July 1st 2005

Mortgage Loan Officer

 Originate mortgages for home purchases, refinance, and new home construction

 Analyze loan applications and approved loans

 Assemble all required documentation for processing and underwriting on each transaction, and prepare and present all related deal points to Loan Committee when required

 Maintain contact with customers through the loan submission and approval

CRESCENT MORTGAGE COMPANY (Atlanta – GA)

October 2001 -March 2005

Secondary Marketing Consultant

• Wholesale company specialized in residential loans and secondary market

• Marketing Consultant Wholesale & Correspondent Lending Division

• Worked in marketing department including production, sales, pricing, loan processing, and shipping

• Originate, obtain borrower information from brokers, send to processing and closing

• Maintain consistent and thorough communication with brokers, loan officers, title company and other involved parties

• Responsible for secondary marketing purchasing and sales.

• Contributed to the company’s goals by recognizing sales and referral opportunities and assisted in the development of marketing strategies

• Trained employees, coordinate secondary marketing department

• Able to price and register over 300 loans a day and match the perfect program for the borrower in record time

• Provided great customer service

EDUCATION:

Bank Of America Mortgage Training -2009

XINIX Mortgage Academy -2008

SUNTRUST University -2008

FHA Online University -2006

WAMU Mortgage training Institute -2005

Philology and Languages University (3 years) - Romania

Media and Journalism Course - Bucharest, Romania

Communications and Science of communications – Romania

SKILLS:

Competent in Calyx, Microsoft Word, Word Perfect, Power Point,

Excel, Windows, Internet Browser, various E-mail formats Outlook.

Languages: English, Italian, and Romanian - fluent.

ACTIVITIES:

LENDING INDUSTRY

• Chamber of Commerce activities and after hours

• Woman’s Council of Realtors –Georgia Chapter

• Active member of the Romanian and East European Community

Contact this candidate