Summary
Work History
Education
Skills
Timeline
Generic

Aaron Hand

Decatur

Summary

Dynamic Sr Loan Consultant with PHH Mortgage Corporation, recognized for achieving top 10% in loan submissions. Expert in financial analysis and negotiation, adept at enhancing customer loyalty through tailored loan solutions. Proven ability to navigate complex compliance requirements while delivering exceptional service and fostering client relationships.

Work History

Sr Loan Consultant

PHH Mortgage Corporation
Plano
2024 - 2025
  • Negotiated loan agreement terms with clients, aligning interest rates, repayment plans, fees, and collateral requirements with client needs.
  • Assisted customers in selecting appropriate loan products based on their individual needs.
  • Tracked loan progress throughout life cycle, facilitating timely payment processing and addressing issues to enhance customer satisfaction.
  • Reviewed loan applications for accuracy and completeness, ensuring compliance and readiness for lender submission.
  • Conducted regular audits of loan files for accuracy and completeness.
  • Maintained detailed records of all customer interactions, transactions, and correspondence.

Sr Debt Consultant

BEYOND FINANCE
Chicago
2023 - 2024
  • Developed personalized debt reduction plans to meet clients' needs and goals.
  • Assist clients with options to consolidate debt, offering emotional support and learning more about the clients' specific needs.
  • Provide clients with direct information from their credit report to help determine which products would best suit the clients' financial needs.
  • Evaluate clients' income to make sure specific products fit within the budget.
  • Guide clients through all stages of the consolidation process and provide excellent customer service.

Mortgage Professional

MR. COOPER
Irving
2019 - 2023
  • Evaluate customers creditworthiness, reviewing loan agreements on a regular basis to ensure nothing has changed throughout the purchase or refinance process.
  • Advised customers through inbound and outbound calls on various loan options.
  • Evaluated income, assets, appraisal, and credit documentation for loan processing.
  • Conferred with processing and underwriting to address any problems that might arise during the mortgage process.
  • Assessed mortgage loan applicants' qualifications based on application information.

Sr Loan Consultant

CALIBER HOME LOANS
Irving
2017 - 2019
  • Ranked in the top 10% of loan consultants for loans submitted to underwriting.
  • Ranked in the top 10% of loan consultants for app-to-fund percentage.
  • Run AUS, send initial disclosures, lock the rate, and collect all necessary income/asset information up-front in an effort to increase quality and efficiency.
  • Followed up with previously interested customers to advance their applications, enhancing conversion rates.
  • Completed applications for identified benefits, facilitating customer decisions to proceed with loan processes.
  • Handled warm-transfer calls with current Caliber customers in fast-paced call center environment, ensuring timely support and guidance.

Loan Officer

LOAN DEPOT
Plano
2015 - 2017
  • Assisted customers through loan origination and closing procedures, ensuring a clear understanding of each step.
  • Followed all federal and state compliance guidelines for retail mortgage lending.
  • Handled inbound calls in a call center, analyzing loan applications, financial status, credit, and property evaluations to assess loan feasibility.
  • Earned Top Performer Awards for outstanding performance in funded units and loan volume during tenure.
  • Performed daily maintenance of the loan applicant database.

Completions/Production Operator

PROPETRO SERVICES
Elk City
2011 - 2015
  • Supported fracking operations during well completions, contributing to successful project execution.
  • Assisted Coil tubing crews with the drill out process reporting data on fluid rates and well head pressures.
  • Developed data reporting over oil and gas production.
  • Coordinated with company consultants to clarify and implement company requirements and procedures.
  • Ensured adherence to safety procedures in daily work environment, promoting a safe operational culture.

Completions/Production Operator

RPS
Bowie
2008 - 2011
  • Supervised well site operations continuously over 24 hours, ensuring safety and efficiency from drilling to completion.
  • Implemented total quality and safety management principles to enhance operational standards.
  • Coordinated scheduling and communication with company representatives and service groups to streamline operations.
  • Oversaw safety logs and ensured compliance with all company guidelines.

Production Operator

ARCHER & ASSOCIATES
Jacksboro
2003 - 2008
  • Monitored all production equipment to maintain oil and gas production within specified measurements.
  • Developed and implemented startup and shut down procedures to enhance safety protocols.
  • Collected production data and reported to company officials, ensuring compliance with all guidelines.
  • Installed new camps at operating facilities to support production activities.
  • Provided initial confirmation and assessment of incidents, facilitating timely communication with management and control centers.

Auto Parts Sales

JAMES WOOD MOTORS
Decatur
2001 - 2003
  • Assisted customers in selecting and identifying automobile parts, ensuring prompt and exemplary service.
  • Provided accurate auto parts answers and solutions to wholesale customers, enhancing their purchasing experience.
  • Managed inbound calls providing price quotes and other information.
  • Assisted outside sales representatives with orders meeting all company requirements.
  • Developed and managed stock orders for dealership, effectively coordinating warehouse parts department operations.

Education

High School -

Chico High School

College -

Tarrant County College

Skills

  • Loan underwriting
  • Loan application review
  • Income analysis
  • Credit analysis
  • Financial analysis
  • Risk assessment
  • Loan guidelines
  • Compliance adherence
  • Negotiation techniques
  • Team Member Coaching & Training
  • Adapting to Change
  • Customer loyalty

Timeline

Sr Loan Consultant

PHH Mortgage Corporation
2024 - 2025

Sr Debt Consultant

BEYOND FINANCE
2023 - 2024

Mortgage Professional

MR. COOPER
2019 - 2023

Sr Loan Consultant

CALIBER HOME LOANS
2017 - 2019

Loan Officer

LOAN DEPOT
2015 - 2017

Completions/Production Operator

PROPETRO SERVICES
2011 - 2015

Completions/Production Operator

RPS
2008 - 2011

Production Operator

ARCHER & ASSOCIATES
2003 - 2008

Auto Parts Sales

JAMES WOOD MOTORS
2001 - 2003

High School -

Chico High School

College -

Tarrant County College

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