Ali Aoun
Detroit,MI
Summary
Accomplished Loan Officer dependable in building customer base and exceeding business goals. Well-versed in loan products and customer engagement strategies. Pursues opportunities to build connections, increase bank revenue and cement loyalty. Organized Mortgage Loan Officer with 5 years of experience in Loan Origination. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations. Talented Senior Mortgage Loan Officer with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Hardworking and passionate job seeker with strong organizational skills, ready to help team achieve company goals. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Senior Mortgage Loan Officer
Rocket Mortgage
01.2020 - Current
- Increased loan production by developing and maintaining strong relationships with realtors, builders, and other referral sources.
- Analyzed applicant financial status, credit, and property evaluations to determine feasibility of granting loans.
- Educated clients on various loan products available to them, ensuring they made informed decisions regarding their financing options.
- Maintained compliance with federal regulations and company policies during all stages of the mortgage process.
- Streamlined processes within the department by implementing new technologies that increased efficiency in the workplace.
- Negotiated favorable terms for borrowers by leveraging extensive knowledge of lending guidelines and risk factors.
- Collaborated with underwriters, processors, and closers to ensure a seamless loan process for clients.
- Assisted clients throughout the entire mortgage process, from initial application to closing, ensuring a positive customer experience.
- Provided exceptional customer service throughout the loan process by addressing questions and concerns promptly.
- Conducted thorough pre-qualification analyses to match potential borrowers with appropriate loan products for their needs.
- Managed pipeline of mortgage applications for timely processing and closing, resulting in satisfied clients.
- Prepared comprehensive loan files that included detailed documentation needed for underwriting approval.
- Consistently met or exceeded sales targets by establishing a strong professional network within the local community.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Worked with underwriters to fix application problems and resolve issues.
- Checked loan documents for accuracy prior to closing.
- Reviewed loan files and updated to match current standards.
- Explained different types of loans pertaining to client situations.
- Developed and implemented marketing campaigns to generate new business opportunities.
- Negotiated loan terms and conditions with clients to maximize profitability.
- Assisted customers with completing loan applications and other paperwork.
- Monitored pipelines to track and log status of loans.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Proactively identified solutions for customers experiencing credit issues.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
Education
High School Diploma -
Dearborn High School
Dearborn, MI06.2017
Skills
- Loan origination expertise
- Communication and Interpersonal Abilities
- Credit Analysis Proficiency
- Real Estate Market Awareness
- Debt-to-Income Ratio Calculation
- Loan Processing Efficiency
- Refinancing Strategies
- Conventional Loan Knowledge
- Income Verification Techniques
- Mortgage Product Understanding
- Closing Coordination Experience
- Goal-Oriented
- Document Review
- Sales Development
- Refinancing options
- Sales Targeting
- Sales process
Certification
- Licensed Senior Banker - 5 Years
- Licensed Insurance Agent - 1 Year
Timeline
Senior Mortgage Loan Officer
Rocket Mortgage
01.2020 - Current
High School Diploma -
Dearborn High School