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Summary

With a thirst to succeed and a demonstrated track record of initiative, creativity and motivation for success. Seeking to become a valuable addition to a company that has the focus on providing outstanding customer service, a great support structure and unlimited opportunity.

Work History

2016Present

Senior Loan Officer

Flagstar Bank

Consistently developing a client base with Realtors, Financial Advisors and various community professionals to help generate leads and referrals. In constant contact with clients through the various stages of the loan process, keeping them abreast of all pertinent information. Meeting with both individual Realtors and groups of Realtors for sales presentations, learning luncheons, and industry events. Counseling potential clients about their mortgage needs and goals, educating them with the various details of the best loan to fit their individual situation. Carefully completing the loan application and gathering documentation prior to submittal to processing. Responsible for accuracy and timely completion of the loan file submissions to Underwriting Department. Constantly learning!

20162016

Loan Officer

VanDyk Mortgage Corp

Began to develop client referral network with Realtors, Financial Advisors. Maintained contact with both clients and Realtors throughout the loan process. Met with individual Realtors and Realtor teams to conduct sales presentations, lunch-n-learn programs and various events staged by Realtors. Counseled clients about their mortgage needs, fitting the best mortgage with their goals and individual situation. Carefully completed loan application and structured loans baed on application and credit. Collected all income and required documentation prior to submittal to processing. 

20142015

Sales Associate

Rooms to Go

Provide excellent customer service, consulting customer regarding furnishings, closing the sale, taking financial applications. Provided customer with the bigger picture which encouraged a more complete room purchase.  Average sales of $92,0000.00 per month.

20132014

Insurance Agent

Independent

Insurance Agent Generate leads from referrals, direct mail outs and cold calling. Set appointments with potential clients, providing the them with detailed financial needs analysis and recommend appropriate insurance products. Maintain weekly production pipeline, always seeking to exceed expectations. Correspond with insurance underwriters, adjusting clients policies according to underwriter recommendations. Provide information to current customers regarding insurance policies and any potential changes that may be necessary for complete coverage.

20122013

Sales Associate

Southern Colonel Homes

Sales Associate Generate leads, assist customer in home selection, customizing and home design. Build pipe-line of potential customers, maintain customer follow-up and referrals. Review customer credit, select appropriate finance source for credit approvals, take applications. Collect and review all underwriting loan conditions.

20092012

General Manager

Aaron's, Inc

General Manager Established new store operations, expanded lease-customer base from 0 to 900 in 12 months. Recipient of #1 Goal Buster, Lucky 7 Award, Top 10 Goal Buster, Winner of 12thMonth $10,000 Award. Reviewed financial statements, P&Ls, sales and activity reports, and other performance data to measure productivity and goal achievement and to determine areas needing cost reduction and program improvement. Recommended telephone techniques used by collectors. Authorized repossession of goods and other legal actions against debtors. Adhered to collection practices, third- party disclosures regulations and credit reporting guidelines under FDCPA and FCRA.s

20072009

Customer Accounts Manager

Aaron's, Inc

Customer Accounts Manager Consistent, progressive management of over 750 customer accounts and maintained balance in cyclical leaserenewal and revenues. Supervised and coordinated activities of workers engaged in collecting overdue payments on accounts. Restricting lease renewal fall-out by offering a variety of value-plan and rewrite options. Adhered to collection practices, third-party disclosures regulations and credit reporting guidelines under FDCPA and FCRA.

20062007

Senior Loan Officer

Nationwide Advantage Mortgage/Nationwide Insurance

Senior Loan Officer Nurtured highly successful relationships with numerous Realtors while creating strong networks with Community Groups, Builders, CPAs, Attorneys and Financial Advisors. Interviewed and gathered applicant information, which includes: credit history, income, DTI, employment history, assets & property value. Structure loan options for applicants that would best suit their needs and objectives. Process the loan, which includes sending out all required state and federal disclosures to the applicant, order all applicable documentation, submit the loan to lender and clear all necessary conditions for the loan to close. Review the HUD-1 settlement statement for accuracy. Clear any outstanding post closing conditions to ensure the loan funds in a timely manner. Exceeded monthly expectations.

20042006

Senior Loan Officer

Flagstar Bank

Remote Senior Loan Officer Instrumental in opening new market in the Myrtle Beach/Grand Strand area for Flagstar Bank by nurturing highly successful relationships with over 60 Realtors and creating networking opportunities with Builders,  CPAs, Attorneys and Financial Planners. Gathered application information from prospective clients looking for mortgage financing. Review applicant's information, which includes: credit history, DTI & income, employment history, assets & property value. Structure loan options for applicants based on requirements and expectations. Process the loan, which includes sending out all required state and federal disclosures to the applicant, order all applicable documentation, submit the loan to the investor and clear all necessary conditions for the loan to close. Review the HUD-1 settlement statement for accuracy. Clear any outstanding post closing conditions to ensure the loan funds in a timely manner. Consistently exceeded monthly goals.

20032004

Senior Loan Officer

Proliance Mortgage Corporation

Generated leads through Realtor referrals, CPAs, Builders. Conferred with potential clients, took  and reviewed applications, reviewed client credit history and submitted applications to the appropriate lender. Networked with Realtors, Builders and various community groups to generate leads and increase  origination.

20002003

Loan Officer

First Beneficial Mortgage Corporation

Utilized consultative sales techniques, lead generation, met or exceeded company required sales  goals. Served as liaison between realtors, attorneys, CPAs, financial advisors and various community assistance associations and the company.  Networked with Realtors, Builders, and various community groups.

19982000

General Manager

Clayton Homes

General Manager Consistent award winning sales producer with sales in Top 25% company-wide. Consecutive Circle Award Winner, #1 Sales Nation-Wide, Top 5 Sales, Top 5 Manager. Reduced aged inventory by 85%, restocked sales center with proper price-point products. Reduced overall mortgage delinquency rate to less than 4% and reduced“ repo” inventory by 78%. Responsible for all regulatory & EEOC compliance on local, state and federal levels. P&L and inventory asset protection. 

Education

20152015

NMLS SAFE ACT Education Required Course

Mortgage education and compliance 

NMLS #1309033

20122012

Insurance Licenses

Mississippi & Alabama State departments of Insurance
20012001

Mortgage Loan Officer Certification

Advanced Educational  Systems
19911994

Federal Mandated Certifications: HAZMAT, Management Planner, Asbestos/Lead Abatement and Inspection, Environmental Assessment.

University of Alabama-College of Continuing Studies
19751978

Advertising and Illustration

Paier College

KNOWLEDGE SET

Skills & Knowledge of TRID, TILA, RESPA, FCRA, FDCPA, Prime, Alt-A, Alt-B, Sub-Prime, Jumbo Loans Fannie/Freddie Guidelines, DU/LP, GNMA-(FHA/VA), ENCOMPASS 360, LoanTrac, ProSpan-FannieMae eChannel, Calyx, Genesis, Byte, DocMagic,Credit Evaluation, HELOC, HECM, Niche Markets, Anti-Money Laundering, ALLREGS, Skilled in Microsoft 365, Office Suite, Claris Filemaker, Corel WordPerfect.  Adobe Creative Suite, Mac iWorks, iPage, Keynote, Freeway Express, LeadPages, MailChimp. IPad App Savvy., Facebook Marketing and Networking.