Antoine Meleak
Chatsworth
Summary
Meticulous and analytical loan professional trained in diverse loan products and exhaustive approval processes. Knowledgeable about application requirements, financial histories and underwriting processes. Bring in new business with creative promotions and expert customer service. Very hard worker and always have positive attitude. Don't mind working long hours. I have my NMLS no. 922008 and Passed my NMLS exam in California.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Loan Originator
PennyMac Loan Services
Westlake Village, CA
03.2021 - 10.2023
- Conducted thorough borrower assessments to determine appropriate loan products based on individual needs and qualifications.
- Collaborated with internal teams to ensure seamless coordination during the entire loan origination process.
- Reviewed credit reports and financial statements to accurately assess risk factors before submitting loans for approval.
- Negotiated favorable terms and conditions for clients, ensuring the best possible mortgage options.
- Increased loan application approvals by developing and maintaining strong relationships with borrowers and underwriters.
- Developed strong relationships with customers through high levels of customer service.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
Residential Loan Officer
E-mortgage Capital
Santa Clarita, California
03.2020 - 02.2021
- Met with applicants to obtain information for loan applications and answer questions about processes
- Pre-approved loans within specified limits and referred loan applications to underwriters for conditional approval
- Determined all applicable ratios and metrics and set up debt payment plans
- Justify decisions (approvals/rejections) and report on them
- Assess customer needs, explore all options and introduce different types of loans
- Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish quotes
- Created rapport with customers to build trust relationships, customer loyalty and satisfaction throughout the underwriting process by communicating with them once every three days for updates
- Operated in compliance with laws and regulations and adhere to lending compliance guidelines
- Provided pre-approvals for clients who are seeking to purchase homes.
Senior Loan Processor
Citi National Bank
CA
09.2018 - 03.2020
- Communicated with customers throughout loan process, assisting with questions and explaining any additional requirements
- Tracked daily loan progress, proactively addressing potential issues impacting close date
- Gathered and entered information for pre-approval and loan process, verifying complete and fully compliant loan disclosure packages
- Maintained high-quality service and supported accuracy, reviewing loan submissions to validate compliance with loan policies, laws, and regulations
- Generated Loan disclosures for changed circumstances within three business days and issued Closing disclosures on refinance and purchases
- Located applicant financial and personal information from sources such as credit bureaus and employers
- Smoothed loan closings by collecting necessary paperwork and clearances
- Supported customers throughout application and closing processes
- Handled issues at any stage in loan process by contacting customers by phone, email, or letter
- Obtained underwriting approval by following outlined recommendations and submitting appropriate packages
- Calculated interest, principle and payments, verifying figures and correcting discrepancies.
Home Loan Processor II
US Bank
Thousand oaks, CA
10.2016 - 09.2018
- Tracked daily loan progress, proactively addressing potential issues impacting close date
- Reviewed 1003 for information and accuracy
- Reviewed and calculated gross income and monthly obligations on credit report
- Verified and linked mortgages on credit report to obtain accurate Debt to income ratios for underwriters
- Processed FHA and VA loans
- Issued Notice of incompletion within 30 days of application date to comply with ECOA
- Reviewed tax returns and cross reviewed with 1003 for accuracy
- Provided customer service and kept clients up to date with information of their loan progress.
Account Specialist
Wheels Financial
Van Nuys, California
01.2015 - 06.2016
- Drove brand awareness and promotion to enhance customer experiences and drive sales
- Negotiated contract terms and service agreements to meet sales quotas and adhere to client budget constraints
- Protected book of business with regular account servicing, growing revenue by capitalizing on new trends and upsell opportunities
- Promoted sales of [Product or Service] with both inbound and outbound calls
- Managed account strategy and liaised with clients to build strong and lasting rapport and foster account retention.
Loan Officer
American Pacific Mortgage
Calabases, California
05.2013 - 12.2014
- Set up favorable loan terms with skills in negotiation and expert knowledge of market conditions
- Helped obtain complete and accurate applications for loans by verifying, collecting, and updating information
- Compiled vital financial data from customers, including assets, salaries, and employment statuses
- Developed new business opportunities and sales leads by cultivating relationships with realtors, builders, and bankers
- Encouraged applications by discussing advantages and disadvantages of available financial products
- Helped with approval or denial decisions by locating any information or reports needed by underwriters
- Verified completeness, accuracy and integrity of loan agreements.
Mortgage account manager
JP Morgan Chase bank
Chatsworth, California
05.2009 - 03.2013
- Addressed escalated customer issues and leveraged resources to implement actionable solutions
- Handled over 60 loans per month for mortgage relief's (HARP) and streamline refinance
- Assisted clients by providing programs to save their homes from foreclosures
- Kept a strong communications with borrowers and built rapport to help them overcome this Hardship times
- Counseled borrowers on how to handle their finances and overcome mortgage defaults
- Processed conventional loans setup and conditions
- Completed special projects and reports for upper management
- Underwriting files for quality control before sending out modification agreements to homeowners
- Captured sales through effective product demonstrations and persuasive communication skills to overcome objections.
Education
High school Diploma -
Granada Hills High school
Granada Hills, California06.2004
Skills
- Project Management
- Customer Service
- Computer Savvy
- Multitasking
- Team player
- Top Performer
- Conventional & government guideline
- Resourceful, problem solver
References
- E-mortgage Capital, Peter Girgis, Branch Manager, 818-209-0962
- E-mortgage Capital, Luther Mettias, Team Manager, 818-640-6917
- City National Bank, BJ Crews, Vice President Mortgage Lending, 818-282-8536
- City National Bank, Elizabeth Topete-Luna, Team Manager, 323-283-6767
- US Bank, Tania Mandernacht, Team Manager, 805-557-7111
- Wheels Financial, Wendi Sanders, Team Manager, 818-481-1589
- American Pacific Mortgage, Peter Girgis, Branch Manager, 818-209-0962
- JP Morgan Chase, Wendi Sanders, 818-481-1589
Certification
- Top funder for April & June of 2022. I was also top funder for several more months but couldn't locate the awards.
Timeline
Loan Originator
PennyMac Loan Services
03.2021 - 10.2023
Residential Loan Officer
E-mortgage Capital
03.2020 - 02.2021
Senior Loan Processor
Citi National Bank
09.2018 - 03.2020
Home Loan Processor II
US Bank
10.2016 - 09.2018
Account Specialist
Wheels Financial
01.2015 - 06.2016
Loan Officer
American Pacific Mortgage
05.2013 - 12.2014
Mortgage account manager
JP Morgan Chase bank
05.2009 - 03.2013
High school Diploma -
Granada Hills High school