Antonia (Toni) Richardson
Otsego,MN
Summary
Results-driven Sr. Loan Officer with extensive experience in FHA, VA, Conventional and USDA lending. Successfully guides clients in achieving financial objectives through tailored loan solutions and thorough risk assessment. Proven track record in enhancing client satisfaction and ensuring compliance while optimizing loan processing efficiency.
Overview
13
13
years of professional experience
Work History
Sr. Loan Officer
Affordable Mortgage Shop
Maplewood, USA
08.2023 - Current
- Maintained NMLS certification 533163 to ensure compliance with industry standards.
- Led client consultations for loan applications and guided them through the process
- Collaborated with clients to assess financial goals and develop tailored strategies to achieve those goals
- Identify and recommend products that meet the customer's needs and the organization's lending guidelines
- Evaluated customer needs and recommended suitable products aligned with lending guidelines of the organization
- Meet with applicants to obtain information for loan applications and to answer questions about the process
- Explain to customers the different types of loans and credit options that are available, as well as the terms of those services
VP of Mortgage Lending
Guaranteed Rate
Maple Grove, USA
12.2021 - 08.2023
- Maintained NMLS 533163 certification to comply with state regulations.
- Met with applicants to gather information for loan applications and address questions regarding the process
- Collaborated with clients to clarify financial goals and strategize pathways for achievement
- Identify and recommend products that meet the customer's needs and the organization's lending guidelines
- Identified and recommended loan products aligning with customer needs and organizational lending guidelines
- Facilitated client meetings for comprehensive loan application guidance
- Explain to customers the different types of loans and credit options that are available, as well as the terms of those services
Licensed Mortgage Loan Originator
New American Funding
Brooklyn Park, USA
07.2019 - 12.2021
- Maintained NMLS 533163 license for mortgage lending compliance.
- Met with applicants to gather information for loan applications and address questions about the process, facilitating informed decision-making.
- Collaborated with clients to identify financial goals and strategized pathways to achieve those objectives, enhancing client satisfaction.
- Identify and recommend products that meet the customer's needs and the organization's lending guidelines
- Identified and recommended loan products aligning with customer needs and organizational lending guidelines, optimizing loan selection.
- Partnered with clients to develop penalized financial strategies
- Explain to customers the different types of loans and credit options that are available, as well as the terms of those services
Licensed Mortgage Loan Originator
Gateway Mortgage Group, LLC
Plymouth, USA
01.2019 - 01.2020
- Obtained NMLS license 533163 to provide mortgage loan services
- Meet with applicants to obtain information for loan applications and to answer questions about the process
- Work with clients to identify their financial goals and to find ways of reaching those goals
- Maintained active knowledge of all loan products and qualifications required for each applicant
- Identified and recommended loan products aligned with customer needs and lending guidelines
- Explained various loan types and credit options to customers, detailing terms and services
- Has current in depth experience and complete knowledge of Conventional/FHA lending guidelines and understanding how those relate to internal and investor guidelines
Mortgage Underwriter / DE Underwriter
Marketplace Home Mortgage
Maple Grove, USA
07.2013 - 10.2018
- Processed DE/CHUMS# G087 loan applications
- Underwrote residential mortgage loans, ensuring compliance with external and internal guidelines as well as company and investor standards
- Demonstrated in-depth knowledge of Conventional/FHA lending guidelines and their relation to internal and investor standards
- Communicated Conventional/FHA corporate and investor guidelines effectively to customers, loan processors, and sales associates
- Able to clearly communicate Conventional/FHA corporate, and investor guidelines to customers, loan processors, and sales associates
- Acts as secondary review and escalation point for all loans
- Has current in-depth experience and complete knowledge of complex personal and business financial analysis and expertise in tax returns and balance sheet analysis
- Experience in underwriting Bond Loans: MHFA Conv and FHA and WI WHEDA
Education
High School Diploma -
Edward Tilden High School
Chicago, IL06-1991
Skills
- FHA Lending Expertise
- Conventional Lending
- USDA Lending Expertise
- USDA Lending Expertise
- MN Bond Program Expertise
- Client Relationship management
- Risk evaluation
Timeline
Sr. Loan Officer
Affordable Mortgage Shop
08.2023 - Current
VP of Mortgage Lending
Guaranteed Rate
12.2021 - 08.2023
Licensed Mortgage Loan Originator
New American Funding
07.2019 - 12.2021
Licensed Mortgage Loan Originator
Gateway Mortgage Group, LLC
01.2019 - 01.2020
Mortgage Underwriter / DE Underwriter
Marketplace Home Mortgage
07.2013 - 10.2018
High School Diploma -
Edward Tilden High School