Ali Charafeddine
Mortgage Loan Officer
Riverside,USA
Summary
Dynamic professional with extensive experience as a Loan Officer at Rocket Mortgage & New American Funding, excelling in credit processing and compliance. Proven ability to build effective relationships and resolve client issues promptly, enhancing customer satisfaction. Skilled in negotiation and detail-oriented analysis, ensuring successful mortgage solutions and timely closings.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Installer/ Driver
CDL Nuclear Technologies
Riverside, USA
11.2023 - 03.2025
- Ensured timely delivery of medical equipment while maintaining cargo safety and security.
- Planned efficient routes to optimize delivery times and reduce fuel consumption.
- Conducted routine vehicle inspections to identify maintenance issues prior to each trip.
- Resolved unexpected issues such as road closures or mechanical breakdowns without delaying deliveries.
- Provided courteous and professional customer service during client interactions at pick-up and drop-off locations.
- Maintained professionalism while representing the company during all customer engagements.
CDL Driver
Prime Inc. Trucking Company
Springfield, USA
07.2022 - 10.2023
- Delivered freight on schedule by following assigned routes precisely.
- Maintained accurate logbook records compliant with DOT regulations.
- Verified load contents against shipping papers to ensure proper handling.
- Inspected trucks for defects, ensuring safe operating conditions before and after trips.
- Implemented safe driving practices to protect property and public safety on roadways.
- Planned optimal routes utilizing personal knowledge and GPS mapping tools.
Refinance/Purchase Mortgage Loan Officer
New American Funding
Riverside, USA
09.2021 - 04.2022
- Verified client financial information to assess creditworthiness and loan eligibility.
- Educated clients on debt repayment strategies to enhance mortgage loan opportunities.
- Resolved borrower complaints promptly, maintaining high standards of customer service.
- Cultivated relationships with real estate agents and builders to generate business leads.
- Assessed client financial situations to establish suitable mortgage solutions.
- Monitored loan progress, ensuring timely processing and closing of transactions.
- Ensured compliance with federal, state, and local regulations governing mortgage lending.
Loan Officer/ Processor
Rocket Mortgage
Detroit, USA
12.2019 - 08.2021
- Executed strategies to enhance loan qualification eligibility by recognizing lending risks during client interactions.
- Evaluated applicants' financial and credit profiles, including income and assets, for mortgage eligibility.
- Verified financial documentation and calculated debt-to-income ratios to improve mortgage loan approval.
- Guided clients on ideal loan application timing through market trend analysis.
- Engaged in industry seminars to remain informed on mortgage banking developments.
- Oversaw loan processing to ensure efficient and timely closings.
- Negotiated terms and conditions of loan agreements with borrowers.
Education
Associates degree - Robotics Engineering
St Clair College
Windsor, ON01.2016
High School Diploma -
St. Joseph's High School
Windsor, Ontario01.2014
Skills
- Credit processing and analysis
- Compliance with regulations
- Effective relationship building
- Payment scheduling
- Client debt management
- Market research
- Negotiation techniques
- Detail orientation
- Problem-solving abilities
Accomplishments
- Generated over $150 Million worth of loan originations at the time employed at Rocket Mortgage.
- Experience working in Purchase and Refinance Divisions, with expertise working with Existing clients.
Certification
- NMLS ID : 1930593 Licensed in 11 States which include
- California
- Connecticut
- Indiana
- Iowa
- Maine
- Massachusetts
- Michigan
- Mississippi
- North Carolina
- Oklahoma
- Texas
Languages
English
Full Professional
Arabic
Professional
Timeline
Installer/ Driver
CDL Nuclear Technologies
11.2023 - 03.2025
CDL Driver
Prime Inc. Trucking Company
07.2022 - 10.2023
Refinance/Purchase Mortgage Loan Officer
New American Funding
09.2021 - 04.2022
Loan Officer/ Processor
Rocket Mortgage
12.2019 - 08.2021
Associates degree - Robotics Engineering
St Clair College
High School Diploma -
St. Joseph's High School
Similar Profiles
Darin RayDarin Ray
Driver/Loader and Unloader at CDL Nuclear TechnologiesDriver/Loader and Unloader at CDL Nuclear Technologies
Kelly MatichKelly Matich
Payroll Administrator at CDL Nuclear Technologies, LLCPayroll Administrator at CDL Nuclear Technologies, LLC
JENNIFER WEISEJENNIFER WEISE
Nuclear Medicine Technologist at CDL Nuclear TechnolgiesNuclear Medicine Technologist at CDL Nuclear Technolgies