ANDRE CAPERS
Philadelphia,PA
Summary
COMMITMENT | LEADERSHIP | INTEGRITY A proven visionary and strategic leader that translates business strategies into maximum profits commensurate with the best interest of shareholders, customers, employees, and the public. An expert in enhancing profitability; developing strategic lending initiatives; and growing each segment of a high-quality loan portfolio. Very knowledgeable of banking regulations and predatory lending along with health and wellness experience. Dedicated to maintaining a reputation built on quality, service, and uncompromising ethics.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Company Owner
Living Natural
2020.01 - Current
- Managed day-to-day business operations.
- Developed and maintained strong relationships with patients, resulting in repeat business and referrals.
- Managed financial aspects of the business, including budgeting, financial reporting, and tax preparation.
- Consulted with patients to assess needs and propose natural health solutions.
Loan Officer
Strong Home Mortgage
2019.01 - 2020.01
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Maintained strict confidentiality of bank records and client information.
- Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
- Submitted loan applications to underwriter for verification and recommendations.
- Examined customer loan applications for loan approvals and denials.
- Educated potential clients on various loan options, guiding them towards informed decisions that fit their financial goals.
Sr. Loan Officer
PHH Mortgage Corp.
2016.01 - 2017.01
- Collaborated with underwriting team to expedite loan processing times and ensure timely closings for clients.
- Cultivated referral network with real estate agents, builders, and other professionals to generate new business leads.
- Developed strong relationships with borrowers, resulting in high levels of customer satisfaction and repeat business.
- Submitted loan applications to underwriter for verification and recommendations.
- Mentored junior loan officers, sharing expertise and knowledge to improve overall team performance.
Sr. Loan Officer
Freedom Mortgage Corp.
2015.01 - 2016.01
- Collaborated with underwriting team to expedite loan processing times and ensure timely closings for clients.
- Submitted loan applications to underwriter for verification and recommendations.
- Mentored junior loan officers, sharing expertise and knowledge to improve overall team performance.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
REVERSE MORTGAGE SPECIALIST
THE MONEY STORE/ MLD
2013.01 - 2015.01
- Conducted thorough analyses of applicants'' financial situations, ensuring accurate evaluations and appropriate recommendations.
- Built strong relationships with referral partners, resulting in increased business opportunities and client referrals.
- Enhanced customer satisfaction by providing tailored reverse mortgage solutions to meet their unique financial needs.
LOAN OFFICER
NEW PENN FINANCIAL
2012.01 - 2013.01
- Top producer for the entire purchase division
- Built great relationships with realtors throughout the PA, IN, DE
- Loan Origination: FHA, HARP, CONFORMING, VA Loans.
LOAN OFFICER, REFINANCE AND PURCHASE DIVISION
JMN Acquisitions LLC
2010.01 - 2012.01
- Credit Counseling
- Mortgage Auditing Services
- Loan Origination (Commercial Financing)
- Worked closely with processors and sales representatives to close loans efficiently
- Average pipeline well over one million dollars monthly on a consistent basis.
SENIOR LOAN OFFICER
WILMINGTON FINANCE
2004.01 - 2007.01
- Top producer for the purchase division
- Average loan pipeline of two million plus on a monthly basis
- Presidents club million dollar producer
- Top producer for the entire purchase division
- Built great relationships with realtors throughout the PA, NJ, DE, and MD.
Education
Certified Holistic Health Counselor -
CERTIFIED HOLISTIC HEALTH PRACTITIONER
Philadelphia, PA12.2022
2 Years Business Management -
CAMDEN COUNTY COLLEGE
01.2001
Skills
- FHA and VA Loans
- Conventional and Nonconventional Loans
- Small business operations
- Reverse Mortgages
- Credit Counseling
- Loan Processing
- Financial Administration
- Personnel Management
- Business Development
N M L S
232632
Certification
- Licensed NMLS/MORTGAGE BANKING (#232632)
- Holistic Health Practitioner
- RM3A Technician
- Herbalist
Timeline
Company Owner
Living Natural
2020.01 - Current
Loan Officer
Strong Home Mortgage
2019.01 - 2020.01
Sr. Loan Officer
PHH Mortgage Corp.
2016.01 - 2017.01
Sr. Loan Officer
Freedom Mortgage Corp.
2015.01 - 2016.01
REVERSE MORTGAGE SPECIALIST
THE MONEY STORE/ MLD
2013.01 - 2015.01
LOAN OFFICER
NEW PENN FINANCIAL
2012.01 - 2013.01
LOAN OFFICER, REFINANCE AND PURCHASE DIVISION
JMN Acquisitions LLC
2010.01 - 2012.01
SENIOR LOAN OFFICER
WILMINGTON FINANCE
2004.01 - 2007.01
Certified Holistic Health Counselor -
CERTIFIED HOLISTIC HEALTH PRACTITIONER
2 Years Business Management -
CAMDEN COUNTY COLLEGE
- Licensed NMLS/MORTGAGE BANKING (#232632)
- Holistic Health Practitioner
- RM3A Technician
- Herbalist
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