Diligent team player with a strong background in mortgage operations and sales. Effectively assessed loan applications and ensured compliance with financial regulations, contributing to successful loan approvals. Demonstrated analytical skills and attention to detail in evaluating borrower creditworthiness and financial documents.
Overview
19
19
years of professional experience
Work History
Head Server
Francesco Ristorante
02.2025 - Current
Increased restaurant revenue by upselling menu items and promoting daily specials.
Trained new servers to uphold company standards in customer service, food handling, and overall professionalism.
Handled high-pressure situations with poise, ensuring a positive experience for both staff and customers.
Trained staff members on use of POS system.
Head Server/Bartender/ Marine Merchant(Seasonal)
Deleware North & State of Alaska
04.2023 - 10.2024
Monitored staff performance regularly, providing constructive feedback for continuous improvement in their roles as servers.
Trained new servers to uphold company standards in customer service, food handling, and overall professionalism.
Provided support to management in the development and implementation of new policies and procedures, ensuring consistency in service standards across the team.
Coordinated special events and private parties, working closely with clients to meet their specific needs while adhering to the establishment''s policies.
Tax Preparer
Jackson and Hewitt
12.2023 - 04.2024
Maintained high levels of confidentiality when dealing with sensitive client information, fostering trust and loyalty among clients.
Analyzed financial records to verify accuracy of tax returns.
Provided exceptional customer service during peak tax season by remaining calm under pressure and addressing client concerns promptly and professionally.
Increased client satisfaction by providing accurate and timely tax preparation services.
Senior Underwriter
Keller Mortgage
10.2020 - 12.2022
Mentored junior underwriters, fostering their professional growth and enhancing team performance.
Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
Conducted regular audits of underwriting files, ensuring compliance with regulatory requirements and internal policies.
Examined credit reports, financial statements and tax returns to determine repayment capability.
Senior Mortgage Loan Officer
US Bank
10.2017 - 06.2020
Delivered engaging presentations at homebuyer seminars to educate potential clients on the home buying process and available financing options.
Educated clients on various loan products available to them, ensuring they made informed decisions regarding their financing options.
Managed pipeline of mortgage applications for timely processing and closing, resulting in satisfied clients.
Increased loan production by developing and maintaining strong relationships with realtors, builders, and other referral sources.
Senior Mortgage Loan Officer
Twinstar Credit Union and IQ Credit Union
10.2012 - 10.2017
Consistently exceeded sales targets by establishing a strong professional network within the local community.
Regularly reviewed and updated loan pricing to maintain competitiveness in the marketplace and maximize profitability for the company.
Analyzed loan applications and credit reports to determine loan eligibility and risk level.
Developed extensive network of referral partners to source new mortgage loan opportunities.
Processed loan applications and monitored progress from start to finish.
Compiled closing packages for drafting and presentation accuracy.
Operations Manager Processing
Sound Mortgage
04.2006 - 08.2012
Supervised operations staff and kept employees compliant with company policies and procedures.
Led a team of loan processors to achieve high performance levels while maintaining strict adherence to regulatory requirements.
Maintained thorough knowledge of federal regulations related to mortgage lending practices, ensuring full compliance throughout the entire organization''s operations.
Ensured smooth transitions during the loan processing lifecycle by maintaining open communication with all relevant stakeholders, including borrowers, underwriters, and closing agents.
Streamlined loan processing procedures by implementing efficient workflow strategies, resulting in faster approvals and increased customer satisfaction.
Education
Bachelor of Science - Business Management
Western Governors University
Salt Lake City, UT
11-2020
Skills
Multitasking skill
Training and mentoring employees
Sales expertise
Collateral evaluation
Income calculation
Risk management assessments
FNMA guidelines
Practiced at FHA loan process
Teamwork and collaboration
Sales pipeline maintenance
Problem-solving
Analytical and critical thinking
Customer service
Attention to detail
Microsoft office
Adaptability and flexibility
Loan processing coordination
Verbal and written communication
Decision-making
Timeline
Head Server
Francesco Ristorante
02.2025 - Current
Tax Preparer
Jackson and Hewitt
12.2023 - 04.2024
Head Server/Bartender/ Marine Merchant(Seasonal)
Deleware North & State of Alaska
04.2023 - 10.2024
Senior Underwriter
Keller Mortgage
10.2020 - 12.2022
Senior Mortgage Loan Officer
US Bank
10.2017 - 06.2020
Senior Mortgage Loan Officer
Twinstar Credit Union and IQ Credit Union
10.2012 - 10.2017
Operations Manager Processing
Sound Mortgage
04.2006 - 08.2012
Bachelor of Science - Business Management
Western Governors University
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