Alan Bowie
Washington,DC
Summary
Organized Financial Professional with eighteen years of experience in the financial services industry. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Mortgage Loan Officer
PNC Bank, NA
Washington, DC
02.2021 - 02.2023
- Provided unparalleled customer service experience.
- Possess in depth knowledge of underwriting guidelines to include Selling Guide.
- Expert in FHA, VA, USDA, MMP, Bond, Conventional, Jumbo.
- Reviewed loan files and updated to match current standards.
- Explained different types of loans pertaining to client situations.
- Fielded customer complaints and provided solutions.
- Monitored pipelines to track and log status of loans.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Proactively identified solutions for customers experiencing credit issues.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Provided unparalleled customer service experience
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
- Implemented sales strategies that established relationships with realtors and CPAs.
- Interviewed applicants to assess loan requirements before suggesting offers.
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Maintained robust pipeline peaking at $15,000,000.
- Contacted 30-50 leads per day via phone, email, and postcard
- Mentored over thirty PNC Bank branch team members, to include holding one-on-ones on monthly basis, and in-branch partnership activities.
- Complied with Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
Home Mortgage Consultant
Wells Fargo, NA
Arlington, VA
01.2020 - 02.2021
- Collaborated with and facilitated communications between borrowers and lenders to obtain ideal loans for home purchases.
- Assessed clients' financial data to determine loan suitability.
- Presented, explained and processed home loan documents such as Loan Estimates, Initial and Closing Disclosures and Intent to Proceed to borrowers.
- Expanded Wells Fargo's client base by 22% in nine months by employing marketing techniques such as Marketing Table events and Luncheons with local COI (Centers of Influence)
- Monitored pipelines to track and log status of loans.
- Developed prospects for new loans by conducting sixty cold calls weekly.
- Proactively identified solutions for customers experiencing credit issues.
- Military Lending Certified
- Average of eight loan applications per week.
- Average of five closings per month.
- Complied with Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
Licensed Business Banker
Wells Fargo, NA
Arlington, VA
05.2014 - 01.2020
- Met with existing clients and prospects through personal calling efforts and other contacts to discuss business needs.
- Maintained up-to-date knowledge of competitors' products.
- Assisted in planning portfolio growth through development of business plans in alignment with departmental budget and consistent with overall objectives.
- Reviewed deposit profitability analysis and outlined strategies to bring unprofitable accounts back to productive status.
- Collaborated with clients to maintain relationships and provide customers with thorough support and guidance.
- Worked with clients to develop financial planning strategies and solutions through evaluation of finances.
- Developed and maintained strong knowledge of multiple products and varying levels of benefits within each product.
- Built and deepened productive relationships with prospective and competitive customers to drive sustained growth.
- Presented financial plans to clients based on analysis of financial status and goals.
- Boosted financial service sales by using cross-selling techniques.
- Capitalized on customer up-sell opportunities resulting in 190% increased revenues.
- Managed a large, self established book of business to include several Ultra High Net Worth (UHNW) individuals and trusts.
- Complied with Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
- Established all relationships within the branch for Trust, Estate, Private Banking, Premier Banking, Small Business, and Investments.
- Proactively managed branch of fifteen members in the absence of Branch Manager.
- Mentor to other team members throughout the branch, the district, and the area.
- Held Series 6, Series 63, State Insurance and Credit Licenses
- Successfully closed a deal of $265 million cash, with the movement of another $200 million in investable assets.
- Ability to refer over $1 million per month to financial advisors.
Branch Manager/ In Store Sales Consultant
PNC Bank, NA
La Plata, MD
10.2011 - 05.2014
- Maintained friendly and professional customer interactions.
- Increased customer interactions via branch visits and services provided within the In-Store Bank Locations inside Giant Food.
- Constant record of exceling customer satisfaction and sales goals with average of 140%+ of goal in accounts, loans, referrals and credit products.
- Assessed employee performance and developed improvement plans.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Engaged employees in business processes with positive motivational techniques.
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent and skill set.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Gathered and reviewed customer feedback to improve operations.
- Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
- Complied with Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
- Identified and capitalized on community business opportunities with effective networking.
Teller III
SunTrust Now Truist
Charlotte Hall, MD
04.2011 - 10.2011
- Answered customer inquiries regarding account balances, transaction history, services charges and interest rates.
- Processed customer transactions promptly, minimizing wait times.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Learned about customer's financial needs, established trust and optimized sales opportunities resulting in quality customer service.
- Educated customers on use of banking website and mobile apps.
- Identified sales opportunities and referred customers to branch partners in financial services.
- Assisted customers with setting up or closing accounts, completing loan applications and signing up for new services.
- Calculated fees due, interest and change for customer transactions.
- Counted, verified and handled bank deposits and armored car transactions.
Human Resources Intern (Seasonal)
Chaney Enterprises
Waldorf, MD
06.2008 - 08.2008
- Worked with HR team to coordinate company events.
- Developed strong written and verbal communication skills.
- Assisted human resources and recruiting teams by scheduling phone screens and on-site interviews and planning recruitment related events.
- Maintained relationships with personnel using strong collaboration and teamwork skills.
- Filed paperwork, sorted and delivered mail, and maintained office organization.
- Took messages and provided information about company processes, hours and requirements.
- Helped with employee unemployment and I-9 forms to support compliance procedures.
- Improved office efficiency by effectively managing internal communications and correspondence.
- Administered benefits programs, analyzed compensation and other competitive data and prepared budgets.
- Revamped previous Employee database to ease access and navigation.
- Created, Distributed, and participated in Open Enrollment season for Chaney.
- Attended several town hall meetings and maintained minutes
- Co-Developed disaster and recovery strategy to prepare company for hazardous weather conditions, nuclear accidents and terrorist attacks.
Mortgage Intern
Navy Federal Credit Union
Vienna, VA
01.2006 - 01.2008
- Supported daily operations and processes to meet sales and service goals.
- Helped customers with service needs, product explanations and banking.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Monitored pipelines to track and log status of loans.
- Explained very technical financial information to applicants in easy to understand language.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Prepared contracts and related documentation according to strict standards.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Processed loans within various departments to achieve timely, accurate and fair proceedings.
- Provided quick turnaround times to maintain fast-past schedule.
- Set up and completed loan submission packages.
- Handled any conditions sent from underwriting departments.
- Maintained long-term relationships with customers to provide best-in-class customer service.
- Checked packages for appropriate documentation.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Looked over and approved various types of loans.
- Created over 150 Pre-Approvals per day
Education
Bachelor of Science - Small Business And Entrepreneurship
High School Diploma -
Skills
- Mortgage Loan Origination
- Underwriting Support
- Document Analysis
- Business Referral Management
- Microsoft Office
- Client Interviews
- Applicant Counseling
- Mortgage Plan Advising
- Loan Product Promotion
- Financial Analysis
- Pre-Approval Process
- Application Tracking
Certification
- Licensed NMLS - Federal and MD- 855109
Timeline
Mortgage Loan Officer - PNC Bank, NA
02.2021 - 02.2023
Home Mortgage Consultant - Wells Fargo, NA
01.2020 - 02.2021
Licensed Business Banker - Wells Fargo, NA
05.2014 - 01.2020
Branch Manager/ In Store Sales Consultant - PNC Bank, NA
10.2011 - 05.2014
Teller III - SunTrust Now Truist
04.2011 - 10.2011
Human Resources Intern (Seasonal) - Chaney Enterprises
06.2008 - 08.2008
Mortgage Intern - Navy Federal Credit Union
01.2006 - 01.2008
Frostburg State University - Bachelor of Science, Small Business And Entrepreneurship
St. Mary's Ryken High School - High School Diploma,