Alexander J. Flor
Fort Lauderdale
Summary
Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Senior Loan Originator
Cardinal Financial Company LP
02.2023 - Current
- Developed strong relationships with borrowers, providing personalized guidance throughout the mortgage process.
- Closed $7.7 Million in Loan Volume YTD for 2024 all self sourced leads
- Mentored junior loan originators, sharing industry knowledge and best practices to enhance team performance.
- Coordinated with appraisers, title companies, and other third-party vendors to ensure timely completion of all necessary tasks throughout the lending process.
Licensed Mortgage Originator
United Mortgage Corp
06.2021 - Current
- Explained different types of loans pertaining to client situations. From FHA, Conventional, Non Qm & Reverse mortgages
- Worked with underwriters to fix application problems and resolve issues.
- Implemented sales strategies that established relationships with realtors and CPAs.
- Head of Spanish Bilingual Division for Hispanic Borrowers as well as Reverse Mortgage specialist for the Branch
- Closed Approximately 4.7 Million in Loan Volume YTD
- Worked with investors acquiring distressed homes, foreclosure & short sales to renovate and sell to in house borrowers.
Licensed Mortgage Loan Originator
AMERICAN ADVISORS GROUP
11.2020 - 06.2021
- Worked with underwriters & processors to fix application problems and resolve issues.
- Explained different types of loans pertaining to client situations.
- Exceeded 150% of monthly goals during first 4 months on live sales floor
- Collaborated with sales agents, financial planners and accountants to attract clients and enhance beneficial partnerships.
- Prepared documents for customers, submitting and overseeing through each step of closing process.
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
Financial Solutions Advisor
Merrill Lynch/Bank Of America
08.2018 - 03.2020
- Educated clients on various financial matters and provided professional recommendations on investment opportunities, products and services based on each client's individual needs
- Cultivated and strengthened relationships with new and existing client
- Secured 3.8 million + in new assets to the firm since January 2019
- Solicited new business by initiating a minimum of 30+ calls a day and emailing Bank of America clients as well as receiving referrals from bankers
Relationship Banker
JP Morgan Chase
12.2015 - 08.2018
- Managing assigned clients and proactively meeting with them in person and over the phone to build lasting relationships, discover financial needs and tailor product and service recommendations
- Collaborate with Specialists (Private Client Advisors, Mortgage Bankers and Business Relationship Managers), to connect customers to experts who can help them with specialized financial needs
- Increased account balances and persuaded clients to transfer banking relationships over to firm totaling 1M+ in last 12 months
- Referred Investment business to Private Client Advisor of 200k
- Identified and presented loan officer 750k+ in home lending needs in last 12 months
Small Business Specialist
JP Morgan Chase
10.2016 - 07.2018
- Proactively acquiring, expanding and retaining business client relationships by maximizing sales opportunities in an assigned territory
- Increased business banking relationships by generating business loans, new deposits, merchant services and cross-sell to other business banking products
Education
High School Diploma -
North Babylon High School
North Babylon, NY2009
Skills
- Fluent in Spanish
- Ability to Multi-task and Work Under Pressure
- Leadership
- Works efficiently & productively with partners/team
- Powerful interpersonal skills
- Firm computer skills
- Strong decision making and problem solving abilities
- Self-motivated
- Cross selling
Certification
SAFE MLO License - 12/04/2020
National Component with Uniform State Content
FINRA - 12/4/2018
Series 66 - Uniform Combined State Law Examination
FINRA - 10/2/2018
Series 7 - General Securities Representative Examination
NASAA - 04/12/2016
NYS Life/Accident and Health Insurance Agent License
FINRA - 02/9/2016
Series 6 - Investment Company Products/Variable Contracts Representative Examination
FINRA - 06/21/13
Series 63 - Uniform Securities Agent State Law Examination
FINRA - 04/09/13
Series 62 - Corporate Securities Limited Representative Examination
Timeline
Senior Loan Originator
Cardinal Financial Company LP
02.2023 - Current
Licensed Mortgage Originator
United Mortgage Corp
06.2021 - Current
Licensed Mortgage Loan Originator
AMERICAN ADVISORS GROUP
11.2020 - 06.2021
Financial Solutions Advisor
Merrill Lynch/Bank Of America
08.2018 - 03.2020
Small Business Specialist
JP Morgan Chase
10.2016 - 07.2018
Relationship Banker
JP Morgan Chase
12.2015 - 08.2018
High School Diploma -
North Babylon High School
SAFE MLO License - 12/04/2020
National Component with Uniform State Content
FINRA - 12/4/2018
Series 66 - Uniform Combined State Law Examination
FINRA - 10/2/2018
Series 7 - General Securities Representative Examination
NASAA - 04/12/2016
NYS Life/Accident and Health Insurance Agent License
FINRA - 02/9/2016
Series 6 - Investment Company Products/Variable Contracts Representative Examination
FINRA - 06/21/13
Series 63 - Uniform Securities Agent State Law Examination
FINRA - 04/09/13
Series 62 - Corporate Securities Limited Representative Examination
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