Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
Hi, I’m

Amanda Whitehead

Mortgage Loan Originator
Cullman
Amanda Whitehead

Summary

Organized and dependable candidate, successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goal; a dedicated professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure, in high stress situations, on a tight time line, always adapting to new situations and challenges to best enhance the brand of the company. Excellent reputation for resolving problems and improving customer satisfaction. Quick Learner that adapts to change quickly and with ease.

Overview

10
years of professional experience

Work History

Gateway Mortgage Group, LLC

Mortgage Loan Originator
08.2020 - Current

Job overview

  • Work with underwriters to fix application problems and resolve issues that may arise
  • Oversee scheduling of timely loan closing to satisfy home builder, realtor and borrower needs under certain time restraints
  • Implement sales strategies that establish relationships with realtors, CPAs, homebuilders, attorney's, insurance agents in order to increase sales
  • Obtain copies of applicants' credit history and review paperwork to determine the ability to repay the loan, uncover struggles and strategizes to consolidate to reduce debt load when applicable.
  • Explain flow of loan process and technical financial information to applicants in easy to understand language.
  • Begin loan origination process by ordering credit reports, disclosing initial documents to borrower to click sign, appraisals and preliminary title report, obtain and review in depth the supporting documentation from borrower i.e. paystubs, bank statements, tax returns etc.
  • cashflow analysis for personal and business tax returns and K1's
  • Create (co) branded marketing flyers, emails, social media posts, and educational materials for seminars and other industry professionals for their first time homebuyers, credit repair clients, Veterans, identity theft, Natural Disaster scenarios etc. to further educate on options available to them
  • Guideline review and application
  • Interest rate forecast and lock in for borrowers
  • Compile closing costs and fee worksheet figures
  • Product fit borrowers based on financial needs, assets, income and credit scores
  • Work with income and property eligible loan products and ensure the properties pass the requirements, and borrowers income fits within the median income guidelines or as stated in product guidelines
  • Prepared file for final clear-to-close
  • Maintained compliance with privacy and security requirements, as well as federal statutes covering conventional, construction and government loans.
  • Specialize in construction loans for one time and two time close loans covering site built homes and modular homes. Monitor progress and assist in draws working closely with builder and borrower until home is complete and modification / permanent loan is closed
  • Work daily with CRM, LOS and POS systems as well as Loan Beam (Linkstep), BYTE, Surefire powered by Top of Mind , GIPP, Learning Hubs, ADP, Microsoft software (outlook, excel, powerpoint, 365, bookings, calendar, Teams, Onedrive, To- Do), MobilityRE, Motivity, IDS, Optimal Blue for rate quotes and lock-ins, Concur, Compensafe, Compspot, Connex, as well as many 3rd party sites and systems.


Peoples Bank Of Alabama

Mortgage Team Lead, Supervisor
12.2012 - 08.2020

Job overview

  • Follow up post closing with borrowers to ensure everything is as it should be and ensure the process flowed smoothly for all parties involved
  • Initiate and track social media marketing campaigns
  • Assisted mortgage team with CRA credit smart seminars as required per FDIC policy and CE classes for realtors for business development purposes
  • Supplied realtors with branded material to handout to clients, specifically first time homebuyers, to assist in the home buying and mortgage loan processes
  • Monitor marketing strategies performed with Google Analytics
  • Assisted team in new business development
  • Specialize in construction lending for one time close and two time close loans and track progress to prepare for the modification or permanent mortgage loan
  • Assisted and supervised a team of loan officers in answering questions for secondary market mortgage loans, compliance , assisted with initial documentation prep
  • Processed mortgage loans as needed
  • Right hand to mortgage manager assisting in any area help was needed and stand in manager in her absence
  • Prepared reports for tracking Google analytics for different marketing campaigns and to track mortgage website traffic
  • Set up, ran testing, and maintained mortgage website daily in issuing rates, updating guideline changes, set up or remove loan officers, etc.
  • Stayed abreast of guideline changes in mortgage industry and relayed to loan officers as needed
  • Attended conferences out of state for mortgage department POS and LOS systems maintained
  • Assisted in resolving any issues that would arise during the loan process for the loan officer's supervised
  • Focused on community reinvestment with educated low income areas with majority minority population as per FFIEC and FDIC
  • onboarding and Trained new team members by relaying information on company procedures and safety requirements
  • Coached team members in techniques necessary to complete job tasks
  • Evaluated employee skills and knowledge regularly, training and mentoring individuals with lagging skills.
  • Took on additional job duties during unexpected backlog, resulting in meeting project target date.
  • Directed and supervised team of 15 engaged in secondary market mortgage lends and career development
  • Prepared detailed reports on updates to project specifications, progress, identified conflicts and team activities to report to board of directors monthly
  • Managed schedules and accepted time off requested
  • Received and approved team members expense reports for reimbursement
  • Performed annual reviews
  • Assisted Mortgage Manager and Executive Vice President in the hiring process for team members when needed
  • Constantly reviewing and working on the originating and processing process to further streamline the flow to reduce any type of duplicated work during the process
  • Made LOS system changes and created template based print groups to speed up the process for the loan officers and processors
  • Originated loan as needed in the absence of a mortgage loan officer


Education

Wallace State Community College - Hanceville
Hanceville, AL

No Degree from Behavioral Sciences

Athens State University
Athens, AL

No Degree from Behavioral Sciences

Skills

  • Create and maintain onboarding and training materials for new hires
  • Contract negotiations
  • Income analysis and cashflow
  • Market Research and Sales Development
  • track CE classes for team
  • Referral Network Development
  • Real Estate Title and Underwriting Guideline review
  • Establish and implement department policies and procedures
  • Government loan and construction Lending
  • Performance Assessments
  • Accounts Payable and Accounts Receivable
  • New mortgage department set up & vendor contract completion and review for set up
  • Implement and encourage community involvement for team
  • Morale booster and encourager to team

Accomplishments

  • Cullman Association of Realtors Public Relations Committee
    - April 2012 to Present
    Assist a committee in raising funds for local charities and organizations
  • Cullman Area Chamber of Commerce
    - May 2014 to October 2014
    Assisted in recruiting members to join the Cullman Area Chamber of Commerce
  • Victim Service of Cullman
    - September 2022 to Present
    Recruited as a board of director and treasurer for this 501C3 organization.

Timeline

Mortgage Loan Originator

Gateway Mortgage Group, LLC
08.2020 - Current

Mortgage Team Lead, Supervisor

Peoples Bank Of Alabama
12.2012 - 08.2020

Wallace State Community College - Hanceville

No Degree from Behavioral Sciences

Athens State University

No Degree from Behavioral Sciences
Amanda WhiteheadMortgage Loan Originator