Summary
Overview
Work History
Education
Skills
Education Certification
Timeline
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Aaron G Payne

Colorado Springs,CO

Summary

I bring a diverse range of skills, experience and knowledge that have been developed over the years through both my formal education and professional experience. A dedicated and enthusiastic professional with a commitment to excellence and a passion for continuous learning and development.

Astute Mortgage Loan Consultant known for high productivity and efficient task completion. Specialize in risk assessment, financial analysis, and customer service. Excel at negotiation, problem-solving, and communication, ensuring smooth loan processing from application to closing.

Overview

8
8
years of professional experience

Work History

Consumer Direct Mortgage Loan Consultant

loanDepot.com
06.2019 - 07.2024
  • As the Consumer Direct Loan Originator, I am responsible for educating customers on company values, processes, and operations.
  • Obtain information to submit loan applications for customers
  • Educate customers on available loan options, and answers follow-up questions.
  • Provide outstanding customer service throughout the loan process while adhering to all federal, local, and internal guidelines
  • Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans
  • Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information
  • Explain to customers the different types of loans and credit options that are available, as well as the terms of those services
  • Review loan agreements to ensure that they are complete and accurate according to company policy, guidelines, compliance, and lending regulations
  • Maintain customer confidence by keeping all loan information confidential
  • Maintain licenses and compliance by participating in required continuing education courses
  • Work as a team with sales, processing, underwriting, closing, post-closing and management to ensure the customer receives excellent service

Branch Manager and Licensed Mortgage Loan Consultant

Gateway Mortgage Group
09.2016 - 06.2019
  • As a Mortgage Sales Professional I am responsible for the origination of quality home loans through the use of Fannie Mae Desktop Underwriter (DU) and Freddie Mac Loan Prospector (LP).
  • I am responsible to provide closing cost estimates and real estate contract negotiation assistance to the realtor and buyer.
  • I am responsible for analyzing credit reports and determining if the applicant meets Conventional, USDA, FHA, 203K, VA, HFA Bond Agency underwriting guidelines.
  • I am responsible for the timely submission of a complete loan file including income and asset documentation to underwriting.

Education

High School -

Taylor Allderdice High School
Pittsburgh, PA

Skills

  • Fannie Mae underwriting
  • Freddie Mac underwriting
  • Loan origination
  • Credit analysis
  • Closing cost estimation
  • Customer relationship management
  • Real estate contracting
  • Problem solving

Education Certification

Mortgage Loan Originator, PA, NC, SC, 34053, 131229, Taylor Allderdice High School, Pittsburgh, PA

Timeline

Consumer Direct Mortgage Loan Consultant

loanDepot.com
06.2019 - 07.2024

Branch Manager and Licensed Mortgage Loan Consultant

Gateway Mortgage Group
09.2016 - 06.2019

High School -

Taylor Allderdice High School

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