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Click here or scroll down to respond to this candidateNMLS #820151Street Address
PHONE NUMBER AVAILABLEEMAIL AVAILABLEOBJECTIVETo obtain a challenging position which will allow me to utilize my vast knowledge and experience in strong customer service, finances, credit and mortgages while being offered continuous personal and professional growth to advance.PROFESSIONAL EXPERIENCEGem Consulting, LLC 10/2013 PresentSr. Account Manager Waterbury, CTGenerate leads through postings ads nationally;CRM Software;Originate Non QM ProductsMerchant Cash Advances & Line of Credit for businesses;Warm and Cold call potential clients;Analyze & Review potential loan(s) scenarios for lending;Meet with business owners to determine their financial needs;Manage current loan portfolio;Determine if collateral and potential client meets the commercial lending criteria;Outside Sales & Inside Sales;Underwrite new business for funding;Review and manage files for financials, collateral, insurance, etc.Structure loan approvals according by lenders guidelines;Prepare loan package for approval from loan committee;Review and meet with business owners to review approvals and close deals;Strong communication and customer service;Equipment Leasing lending and Account Receivable lending;Communicate heavily via telephone/telesales;Review and analyze credit of borrower(s)JP Morgan Chase 7/2011 10/2013Certified Sr. Mortgage Analyst Newtown, CTCoached and mentored Branch team;Assessed and underwrote files according to government guidelines;Reviewed appraisals for accuracy;Originated FHA, VA, FNMA, FHLMC and HARP streamlined Loans;Educated potential buyers and borrowers regarding the new mortgage process;Conducted seminars for first time home buyers;Analyzed and reviewed credit of potential clients;Collected and reviewed necessary documents needed for mortgage approval;Issued pre approval letters to potential home buyers;Reviewed approval and conditions with client(s)Attended closings of the borrower(s)Networked with various organizations, conferences, seminars, etc.(PAGE 2)Executive Financial Services, Inc., 1/2001 6/2011Certified Sr. Mortgage Consultant Owings Mills, MDOriginated all loan types, FHA, VA, Conventional, Streamlines, etc.Reviewed and analyzed credit of potential borrowers;Met with Realtors, Title Companies, etc. to establish new business;Held Home Buying Seminars;Increased mortgage loan portfolio by developing business contacts;Thoroughly analyzed files for income, debt ratios, etc.;Pre-underwrote files to ascertain an approval;Processed and prepared files for underwritingReviewed conditions and prepared for closing;Supervised Jr. and Sr. Processors;Admiral Mortgage, Inc. 9/1995 12/2000Mortgage Analyst Pikesville, MDGenerated telephone calls to borrowers interested in refinancing;Pre-qualified homeowners for 1st and 2nd mortgages;Analyzed credit reports;DU and DO loans for approval;Communicated with borrowers and lenders;Met with borrowers to assess needs and review documentation;EducationCollege of Notre Dame Business ManagementBaltimore, MarylandSacred Heart University Business ManagementFairfield, ConnecticutStamford High School General StudiesStamford, ConnecticutSkillsStrong Microsoft Office/Excel Skills; Encompass; POINTREFERENCES AVAILABLE UPON REQUEST |
