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Yyyyyy x. yyyyyy

0000 xxxxxx xxxx , xxxx , xxxxx 00000
(xxx-xxx-xxxx
abc@xyz.com

Country of Citizenship: United States

Veterans Preference: 0 points

 

Vacancy Announcement:           

 

 

Core Competencies

 

Team Building; Training and Development; Scheduling; Strategic Planning; Creative Problemsolving; Collaborative Teamwork; Leadership; Client Relations; Customer Service; Business Development; Marketing; Performance Evaluation; Management Reporting; Decision Making; Communications; Entrepreneurship; Loan Origination; Fiscal Transactions; Loan Closing; Credit Analysis; Risk Management; Underwriting; Loan Processing; Mortgage Assessment; Executive-level Supervision; Approval; Russian; Microsoft Office (Word, Excel, Outlook) Lotus Notes; VA; FHA; Fannie Mae; Freddie Mac

 

Work Experience

 

Name                                                                           

Address

Chesapeake, VA Zip

Supervisor Name; Number

Salary: $50,000.00/year

Hours per week: 40

May Be Contacted: Yes

 

Senior Loan Officer, 01/2009 C Present

Approve VA, FHA, FANNIE MAE, and FREDDIE MAC loans within specified limits, and refer loan applications outside those limits to management for approval. Collaborate with Processors, Underwriters, Closing Department Representative, Attorneys, Realtors, Builders and consumers. Meet with applicants to obtain information for loan applications and to answer questions about the process. Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.

 

Explain to customers the different types of loans and credit options that are available, as well as the terms of those services. Obtain and compile copies of loan applicants' credit histories, financial statements, and other financial information. Review and update credit and loan files. Review loan agreements to ensure that they are complete and accurate according to policy. Stay abreast of new types of loans and other financial services and products to better meet customers' needs.


Fulton Mortgage

Address

Virginia Beach, VA Zip

Supervisor Name: Number

Salary: $50,000.00/year

Hours per week: 40

May Be Contacted: Yes

 

Senior Loan Officer, 10/2007 C 09/2008

 

Interviewed loan applicants to elicit information; investigate applicants' backgrounds and verify references; prepare loan documents; and forward findings, reports, and documents as needed. Reviewed loan papers to ensure completeness, and completed transactions between Fulton Mortgage, borrowers, and sellers upon approval of loan. Verified and examined information and accuracy of loan applications and closing documents. Interviewed loan applicants in order to obtain personal and financial data, and to assist in completing applications.

 

Assembled and compiled documents for loan closings, such as title abstracts, insurance forms, loan forms, and tax receipts. Answered questions and advised customers regarding loans and transactions. Contacted customers by mail, telephone, or in person concerning acceptance or rejection of applications. Recorded applications for loan and credit, loan information, and disbursements of funds, using computers. Prepared and typed loan applications, closing documents, legal documents, letters, forms, government notices, and checks, using computers. Presented loan and repayment schedules to customers. Calculated, reviewed, and corrected errors on interest, principal, payment, and closing costs.

 

First Horizon Home Loans

Address

Virginia Beach, VA Zip

Supervisor Name; Number

Salary: $60,000.00/year

Hours worked per week: 40

May Be Contacted: Yes

 

Senior Loan Officer, 04/2007 C 08/2007

 

Initially hired as a Builder Service representative and to become SVP of Eastern Region with territories in Northern Virginia, South Eastern Virginia, Maryland, and North Carolina. Analyzed credit data and financial statements to determine the degree of risk involved in originate Mortgage Loans that meet VA, FHA, FANNIE MAE, and FREDDIE MAC guidelines. Generated financial ratios to evaluate customers' financial status. Consulted with customers to resolve complaints and verified financial and credit transactions.

 

Prepared reports that include the degree of risk involved in extending loans. Compare liquidity, profitability, and credit histories of applicants. Reviewed individual customer files. Completed loan applications, including credit analyses and summaries of loan requests, and submitted to loan processors for approval. Analyzed financial data such as income to determine expected profitability of loans. Evaluated customer records and recommended payment plans based on earnings, savings data, payment ability, and loan amount.

 

Chase Manhattan Mortgage

Address

Virginia Beach, VA Zip

Supervisor Name: Number

Salary: $200,000.00/year

Hours worked per week: 50+

May Be Contacted: Yes

 

Senior Loan Officer, 01/2000 C 03/2007

 

Solicited, negotiated, underwrote, and coordinated the closing of major and complex consumer, residential, loans in compliance with the Bank's lending policies and procedures. Held accountable for assisting in attaining established Bank, region and branch goals through active participation in sales management and officer call programs. Provided leadership, training and support to less experienced loan officers and other staff members.

 

First Coastal Mortgage Corporation

Address

Norfolk, VA Zip

Supervisor Name: Number

Salary: $140,000.00/year

Hours worked per week: 60+

May Be Contacted: Yes

 

President/Owner, 11/1998 C 12/1999

 

Obtained Mini Eagle from FHA and approval from VA. Oversaw activities directly related to originating FHA and VA loans including compliance, underwriting, processing, and loan closing. Managed 9-member staff, prepared work schedules and assigned specific duties. Identified staffing requirements, and interviewed, hired and trained new employees, or oversaw those personnel processes. Determined loan services to be offered and set prices and credit terms, based on forecasts of customer demand.

 

Reviewed financial statements, sales and activity reports, and other performance data to measure productivity and goal achievement and to determine areas needing cost reduction and program improvement. Directed and coordinated organization's financial and budget activities to fund operations, maximize investments, and increase efficiency. Established and implemented departmental policies, goals, objectives, and procedures, conferring with organization officials, and staff members as necessary.

 

1st Jefferson Mortgage

Address

Norfolk, VA Zip

Supervisor Name: Number

Salary: $135,000.00/year

Hours worked per week: 50+

May Be Contacted: Yes

 

Senior Vice President, New Homes Division Manager, 06/1990 C 10/1998

 

Successfully launched the Builder New Home Division for 1st Jefferson Mortgage Corp. Collaborated with and reported to the President concerning this division which increased organizational revenue from $600K/yr to $18MM/yr volume the 1st year and increased volume to $30MM in 1998.

 

Education

 

High School:

 

Name High School

City, State

 

College/University:

 

Tidewater Community College, Virginia Beach, VA

Associate of Science/Business, 05/2015

GPA: 3.0/4.0

20 Semester Hours

 

Licensure

 

Virginia Real Estate Broker License

Commonwealth of Virginia Concealed Handgun Permit

Certified SSI Advance Scuba Diving Instructor C Not Active

Certified Cave Diving Instructor C Not Active

CPR Certified C Not Active

 

Affiliations

 

Hampton Roads Realtor Association

Tidewater Builders Association

Tidewater Mortgage Bankers

 

 

 

 

 

 

 

 

 

 

 

 

                                                                  

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