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Click here or scroll down to respond to this candidateCandidate's Name 10/237 Ennis Court, Bolingbrook, IL Street Address
Daytime phone PHONE NUMBER AVAILABLE - Evening phone PHONE NUMBER AVAILABLE EducationNationwide Multistate Licensing System & Registry, IL Street Address - current - Mortgage loan originator license Illinois College of Du Page, Glen Ellyn, ILStreet Address - 1990 - General coursesLyons Township High School, LaGrange, IL1984 - 1988 - GraduatedCareer ObjectiveA challenging position that will utilize my strong knowledge and experience with problem solving, relationship building, team work, credit/income/math skills, learning new/following guidelines, computer knowledge and excellent customer service.Employment01/21 - present - Cardinal Financial, Lisle, IL-Licensed mortgage loan officer- Responsibilities include originating Conventional, FHA, VA, and IHDA residential mortgage loans.- Market to current data base, realtor partners, circle of influence, past and present borrowers.- Sales calls and/or meetings to engage with business partners.- Meet with prospective borrowers in person or virtually to discuss financial needs. Collect income/asset information, credit info, etc.- Analyze complete financial story and guide borrowers to loan programs that suit their needs.- Run automated underwriting system, lock interest rates.- Work with processing team and underwriting to ensure a complete loan file is approved and ready for closing.- Attend closings and work with business partners to complete a smooth closing and support my borrowers at this important time.05/20 - 01/21 - Success Mortgage Partners, Lisle, IL-Licensed mortgage loan officer- Responsibilities same as above. Reported to same branch manager as above. Our team moved together as a whole to Cardinal in the same branch office.09/14 - 04/2020 - Homebridge Financial, Naperville, IL, Lockport, IL- Licensed mortgage loan officer- Responsibilities include originating Conventional, FHA, VA, and IHDA residential mortgage loans.-Market to current data base, current referral sources, and new potential referral sources and/or clients.-Attend Chamber of Commerce networking opportunities- Make regular sales calls to realtors and CPAs. Attend open houses.- Meet with borrowers and analyze their mortgage needs. Review income, assets and credit and determine which loan program best fits their needs. Structure loan to guidelines.-Run LP or DU, collect data based on findings. Submit a full loan application package.- Work with production team to obtain outstanding loan conditions and prepare loan for clear to close.- Attend all closings to ensure the loan closes smoothly and to finalize the transaction. 102/14 - 08/2014 - Charter One Bank, Naperville, IL- Licensed mortgage loan officer- Responsibilities include originating Conventional, FHA, and VA residential mortgage loans.- Meet with borrowers to analyze their situation and their mortgage needs.- Analyze borrowers income, assets and credit and structure loan and place in appropriate loan program.- Run LP or DU and follow findings to submit a proper loan application package.- Work with underwriters, processors and borrowers to make sure all outstanding internal and external conditions are met.- Attend all closings to ensure the transaction is smooth and all parties are satisfied.- Continue to build new and maintain current relationships with referral partners such as realtors and CPAs.-Attend Open Houses and other networking events to ensure exposure and meet new possible clients or referral sources.04/13 02/2014 Chase, Mount Prospect, IL- Mortgage Banker- Responsibilities include originating Conventional, FHA, and VA residential loans.- Meet with borrowers to analyze their income, assets, and credit and place them into a loan program that best meets their needs.- Properly structure loans according to bank guidelines.- Run LP and Zippy and analyze in order to submit an accurate loan application package.- Work with borrowers to obtain any outstanding underwriting conditions.- Work with Processing to make sure internal and external conditions have been met to prepare file for closing.- Attending closings for purchases and refinancing to ensure a successful completion of the funding and to insure borrowers and realtors are satisfied.- Build relationships within the bank partners to grow referral sources and allow myself to capitalize on new business from current Chase customers.- Establish and maintain relationships with new realtors by working as a team to uncover new leads that are beneficial to both of us.- Continue to reach out to past borrowers either through mailings or phone contact. 01/09 04/11 US Bank, Bolingbrook, IL- Senior Mortgage Loan Officer- Responsibilities include originating Conventional, FHA, VA and IHDA residential loans. I also originated stand alone and simultaneous Home Equity loans. - Properly structure loans according to bank guidelines.- Met with borrowers to analyze their income, assets, and credit and place them into a loan program that best met their needs.- Properly structure loans according to bank guidelines.- Run LP and analyze in order to submit an accurate loan application package.- Work with processing staff to make sure underwriting conditions are met and file is complete for closing. This includes attending closings to insure borrowers are satisfied and funding is successful.- Establish and maintain new relationships with realtors, financial advisors and CPAs. This includes attending open houses and organizing broker opens with current realtor partners.- Continue to strengthen the relationships with my bank partners, cross sell and look for other opportunities within the bank for my borrowers.- Continue to reach out to current bank customers by sending mailers, participating in Mortgage Mondays and by making a strong presence in the bank.212/07 01/09 - Guaranteed Rate, Mokena, IL- Vice President of Mortgage Lending- Responsibilities include originating Conventional and FHA (conforming and non-conforming) residential loans.- Meet with borrowers to analyze their income, assets, and credit and place them into a loan program that best meets their needs.- Run DU and analyze in order to submit an accurate loan application package.- Work with attending closings to insure borrowers are satisfied and funding is successful.- Establish and maintain new relationships with realtors, financial advisors, and CPAs. This includes attendingopen houses - and organizing broker opens with current realtor partners.- Properly structure loans according to bank guidelines. 11/97 12/07 - Washington Mutual Bank, F.A., Downers Grove, IL 01/05 12/07 - Mortgage Loan Consultant- Responsibilities include establishing and maintaining relationships with realtors, financial advisors, CPAs and potential borrowers.- Meet with borrowers to analyze their current financial and credit situations and present appropriate loan options.- Complete an accurate loan application, obtaining employment and asset information. This includes pulling credit and running DU to structure loans accordingly and place them into a loan program that best meets their needs.- Lock loan with appropriate pricing and time frame for borrowers.- Communicate with Operations, Underwriting, and borrowers to make sure all conditions and expectations are met for closing. This includes attending closings to insure a successful funding. 06/02 - 01/05 - Sr. Loan Coordinator06/00 - 06/02 - Production Specialist III11/97 - 06/00 - Production Specialist II- Responsibilities included process and close FHA, VA, and conventional (conforming and non-conforming) residential transactions.- Processing and closing for new construction, manufactured homes, and existing properties.- Processing and closing for Illinois properties and other states such as CA, CO, MN, MO, OH, PA and TX(including escrow and non-escrow states).- Review title work, assets and calculate income.- Guide loan consultants on pending and denied files to restructure the loan for reconsideration by Underwriting.- Clear and meet all conditions set by Underwriting.- Review and prepare loan documents to close in Trust.- Prepare quality files for HMDA and Compliance Audit.- Prepare FHA files for submission to HUD for government insuring.- Prepare files for post-closing.- Train new employees to process and close loans following FHLMC, FNMA, FHA and VA guidelines.- Certified to underwrite/reconcile loans with an Accept Plus and Accept status from Loan Prospector Automated Underwriting System.- Assist team leader with managerial tasks and assist team members and service partners.- Communication with customers and service delivery partners on a daily basis. 10/91 - 11/97 - LaSalle Home Mortgage Corporation, Hinsdale, IL 08/95 - 11/97 - Senior Loan Processor3- Responsibilities included opening (order title, appraisal, etc) and preparing conventional, IHDA and FHA loans for underwriting and closing.- Processed loans consisting of new construction and existing Illinois and out of state properties.- Review title work, income, and asset documents.- Obtain the necessary paperwork from borrowers to clear underwriting conditions for closing.- Delivered quality and complete files to the Closing Dept. for preparation of closing documents.- Communication with service partners and customers on a daily basis. 08/93 08/95 - Senior Loan Closer- Responsibilities included reviewing and preparing closing documents for closings of conventional, FHA and IHDA loans.- Obtained and cleared conditions to be met at closing and before funding.- Review title work.- Balanced and prepared closing figures, issued drafts for disbursements and authorized approval for funding.- Prepared files for post closing.- Submitted case binders for government insuring.- Communication with all parties involved in the transaction. 10/91 08/93 - Senior Receptionist- Answered and directed busy switchboard of incoming calls.- Clerical duties such as typing, accounts receivable and assisting office manager with various projects.- Assisted Closing Department with post closings.- Assisted loan officers with customers during loan application appointments. Previous employment prior to 10/91 - furnished upon request Skills- Knowledge of Microsoft Outlook, Lotus Notes, Microsoft Word, Excel, Pronto, Loan works, MLAPS, Optis, Mortgage ware, Loanworks, Envoy, Net O, Contour and Octane. Additional Training- Courses and/or certificates in Customer Service Excellence, FHA/VA, Self Employed borrower, HMDA, IHDA, Construction Lending, Products, PricingUnderwriting/Reconciling, special bond programs and First Time Homebuyer. All compliance trainings per company, Mortgage loan officer Licensing in Illinois. Recognitions- Several customer service awards given by Washington Mutual- Received recognition from borrowers by sending in correspondence into management.- Received certificates for top producing processor/closer with Washington Mutual.- Consistently requested by top producing peers to process and close for them.- Top 10 % percent originated and closed loans within the company for several months.- Consistently receives positive customer service survey results.- Recognized by management for product knowledge and team leader/member efforts. References available upon request45 |
