Mortgage Specialist

Waldemar (Wald) Golabeck

**** ********* **. **** **********, MI 48323

Phone: 248-***-****

******@****.***

Skill Summary:

• Well-qualified and results-oriented Mortgage Professional with sixteen years of successful experience in positions of increasing responsibilities and duty.

• Extensive background in and thorough knowledge of bank operations, consumer lending industry, residential and commercial mortgage industry.

• Skilled at educating customers on banking products and recommending best options that meet their short and long-term needs.

• Experienced in ability to actively listen and determine what financial products meet the customer needs and circumstances.

• Expertise in providing and processing and underwriting consumer, small business and mortgage loans.

• Strong customer focus. Skilled at building financial rapport and developing long -lasting, trusting relationships with customers.

• Provided tailored solutions to individual or business situations.

• Twenty years of comprehensive knowledge and experience in small sized businesses.

• Excellent organizational, analytical and managerial skills.

• Use sound judgment and work independently, at the same time being a team player, who effectively communicated with all levels of management to accomplish company goals.

Professional Experience:

Charter One Bank – Commerce Twp., MI November 2011 - Present

Part-Time Banker

• Engaged current and potential customers to gain an understanding of their unique banking needs.

• Set prospect meetings at initial contact or through proactive follow-up.

• Established customer relationships, conduct telephone prospecting, outbound calls, follow-up and face-to-face meetings.

• Presented benefits by cross-selling to existing and new customers.

• Achieved personal sales goals and actively participate in branch sales and marketing activities.

• Exercised strong decision making abilities and problem solving skills.

• Embodied customer commitments to accountability, community, innovation and accessibility.

G.W. Financial Group, Farmington Hills, MI January 1999-November 2011

Senior Loan Officer /Part-time Underwriter / Assistant Branch Manager

• Generated new business through presentation of loans products to customers.

• Assessed and evaluated customer's financial needs to build strong relationships with customers following-up on a regular basis.

• Analyzed potential lending opportunities involved in each lending situation to further assist the borrower as well as increase the firm’s lending portfolio.

• Provided financial products counseling and valuable financial programs information to customers.

• Determined and recommended financial product and service solutions for customers based on analysis of customer finances and customer's needs and objectives.

• Coordinated all aspects of the mortgage application process including underwriting, to ensure that deadlines are met and customers satisfied.

• Gathered documentation from borrower during application process including, but not limited to financial statements, tax returns, collateral descriptions and related business paperwork to facilitate underwriting process.

• Analyzed debtor risk-level and make credit recommendations.

• Handled daily operations. Developed and continue to implemented new business development plans, which includes calling on customers and prospects.

• Played key role in the supervising of 12 staff members assigned to provide financial services to clients.

• Reviews loan documents for accuracy and faithfulness to approval covenants prior to loan closing. Responsible for business loan closings. Assures that security interests are promptly filed and loan files are properly organized.

• Prepared credit approval packages, including renewals. Reviewed and presented customers audits.

• Obtained mortgage loans from referral sources including branch customers, existing clients and realtors.

• Interfaced extensively with multi -language customers to assist with diverse inquires.

• Scheduled continued education and training for multi-national market segment.

• Assisted with career and sales development of multi language customer service representatives.

• Helped to train 12 employees and two branch operations, for main office and new branch with a total of $150 million in financial products and services.

Selected Accomplishments:

• Always meeting every sales category quota each year.

• Ranked among top-3 mortgage bankers; Cross- selling 2-3 products on average during each client meeting.

Home Owner's Financial, West Bloomfield, MI August 1995-December 1998

Senior Loan Officer / Supervisor

• Generated new business through presentation of financial products to customers and follow-up.

• Pre-screens loan requests for compatibility with credit union guidelines for safety and soundness. Obtains and reviews personal credit reports of guarantors, LTV ratios, disposability of collateral, and loan compliance with standards to determine feasibility of granting a loan.

• Customized financial programs tailored to meet the financial needs of individual clients. Review credit reports and analyze income.

• Provided clients consultation on financing options and mortgage options.

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

• Analyzed financial statements.

• Maintains ongoing relationships with borrowers to ensure compliance with loan covenants and financial statement requirements. Inspects collateral as needed and documents borrower visits in file.

• Prepared month-end reports for managers and helped identify and resolve any problems that occurred.

Selected Accomplishments:

• Helped the branch to be placed 2 in the rank among top - in the business

PABCCO Financial Services, West Bloomfield, MI March 1991-July 1995

Consumer Credit Underwriter / Senior Underwriter

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

• Reviewed completed loan files for discrepancies in income, appraised value.

• Analyzed, review and approve or reject loan and credit applications in accordance with authorized limits.

• Calculated loans and financial status at completion of loans.

Canton Bank of Geneva (Banque Cantonale) Geneva, Switzerland May 1986 - May 1988

Bank Clerk

• Customer service and support.

• Supported sales reps in opening new accounts and upgrading existing service.

• Verified identification and right to utilize facilities, as well as validity of all deposits.

• Ensured efficient, effective, accurate and professional processing of clients financial transactions.

• Posted branch’s night and mail deposits, payments and requests received in mail on daily basis.

Bank NBP, Zabkowice Slaskie City, Poland October 1984 – January1986

Banker / Assistant Manager

• Supervised other bankers’ in opening new deposits accounts, verified amounts, and examined checks for endorsement.

• Entered branch bankers’ transactions data and issued receipts.

• Maintained quality control records, constantly seeking new ways to improve customer service.

• Handled customer questions and complaints regarding bank services.

• Supervised other bankers in providing excellent customer service and maintained clients satisfaction.

Other Professional Experience:

VENUS DAY SPA, Commerce Twp, MI April 2000 - July 2005

Co-Owner/President

• Supervised all aspects of operations for thirty (30) employees. Recruited, trained, evaluate, rewarded, disciplined and dismissed staff. Reduced staff turnover by 65%.

• Developed, implemented and applied training, development and performance evaluation systems.

• Prepared promotional and information packages and marketed services to potential clients.

• Consistently achieved sales goals by effectively promoting company’s services.

• Responded to a broad range of customer inquiries and swiftly resolved problems.

Professional Development and Training:

Four years of Wroclaw University, Major: World Economics - High Honor List Detroit College of Business (presently Davenport University)

Courses in History of Banking, Finance, Management-Employee Relations Oakland Community College, Association Degree in Business Administration

Dean's Honor Student List, Graduated Summa cum Laude

American International University – BBA in progress Specialization: Finance

National Mortgage Association – Washington, DC

American Bankers Association, Washington, DC

• Indirect/Direct Lending

• Commercial Lending courses

• Mortgage Loan Underwriting training

• Government Loans and Processing courses

• Graduated “Financial Services Product Sales Academy”

The American Institute of Banking

Professional Bookkeeping Program – Universal Accounting University, Salt Lake City, UT

Professional Tax Program – Universal Accounting University, Salt Lake City, UT

Professional QuickBooks Program - Universal Accounting University, Salt Lake City, UT

ACAPS, CMSI (Credit Review)

Computer Skills:

Windows Environment (MS Words, Access, Excel, Power Point, Publisher)

QuickBooks, Lotus 1-2-3, CRR, CT Data Track

Languages:

Fluent: English, Polish, Slovak, and Russian

Moderately Fluent: Ukrainian, Czech, and German

Needs Improvement: Greek, Italian

Interests:

Finance, American & European History, Travel, Cars, Green Technology

Contact this candidate