Azlee G. Miles
6255 S Ider Way, Aurora,CO
Summary
Thorough and detail-oriented Loan Officer 21 years of hands-on experience evaluating and authorizing various loans. Dependable professional polished in assembling loan packages, initiating loan applications and analyzing loan programs to match borrower's profile. Communicative team player with in-depth knowledge of banking products and associated services.
Overview
10
10
years of professional experience
Work History
Senior Loan Officer/Home Loan Specialist
New American Funding
Greenwood Village, CO
12.2023 - Current
- Evaluated financial status and credit to assess loan eligibility.
- Evaluated difficult loan submissions from new applicants, self-employed individuals and people with flawed credit records.
- Addressed concerns and provided answers to ensure successful transactions.
- Delivered high levels of customer service to facilitate smooth processes.
- Provided guidance to customers regarding loan products, eligibility requirements, application processes, documentation requirements.
- Developed relationships with prospective borrowers through cold-calling activities and referrals from other sources.
- Maintained strong knowledge base of lending regulations, best practices and industry trends.
- Developed and maintained knowledge of loan products and processing procedures.
- Adhered to federal and state compliance guidelines relative to retail mortgage lending.
- Successfully established strong referral networks with local financial planners, home builders, and real estate professionals.
- Gathered loan applicants' credit histories and financial data.
- Followed up on referral opportunities.
- Researched investor guidelines and kept up to date on program changes that affected loan processing or origination.
- Recommended loan approvals and denials based on customer loan application reviews.
- Enhanced loan application process by providing detailed documentation guidance.
- Streamlined loan processing pipeline from origination to closing.
- Responded to questions about rates, products, and loan applications to ensure high customer satisfaction.
- Delivered completed applications to underwriter for verification.
- Overcame bottlenecks to streamline the underwriting workflow.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Analyzed applicants' financial status and credit and property evaluation to determine feasibility of granting loan.
- Met with applicants to obtain information for loan applications and answer questions about process.
Operations Manager/Senior Loan Officer
Crosscountry Mortgage Inc
4610 S Ulster St Ste 300, Denver, CO
06.2014 - 12.2023
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
- Resolved concerns and answered questions for parties involved with each transaction to promote successful outcomes.
- Processed challenging loan applications for first-time borrowers, self-employed applicants and borrowers with problematic credit histories.
- Managed continuous pipeline of over 100 loans, totaling average of $$60,000,000.00 in financing.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
- Adhered to federal and state compliance guidelines relative to retail mortgage lending.
- Delivered high levels of customer service to facilitate smooth processes.
- Improved loan applications and documentation by informing applicant of additional requirements.
- Researched investor guidelines and kept up to date on program changes that affected loan processing or origination.
- Performed daily maintenance of loan applicant database.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
- Managed pipeline for originated loans through closing and complete required management reports.
- Submitted loan applications to underwriter for verification and recommendations.
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Met with applicants to obtain information for loan applications and answer questions about process.
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
- Approved loan within specified limits or referred to appropriate approval level.
- Resolved file problems, bottlenecks and qualified issues throughout underwriting process.
- Recommended loan approvals and denials based on customer loan application reviews.
- Analyzed applicants' financial status and credit and property evaluation to determine feasibility of granting loan.
- Built referral business by meeting with local financial planning, home builders and real estate professionals.
- Tracked and managed new leads and followed up on referral business.
- Outperformed company average in achieving loan processing turnaround time of 7 days or less.
Education
Licensed in AL,AZ,AR,CA,CO,FL,IN,KS,MO,MT,TN,TX
Skills
- Application Preparation
- Loan File Review
- Loan Processing Coordination
- Credit File Updating
- Problem Solving
- Application Review
- Attention to Detail
- Payment Schedule Computation
- Automated Underwriting System (AUS)
- Credit History Review
- Problem-Solving
- Customer Relations
- Product Education
- Corporate Financial Statements
- Tax Liability Calculation
- Financial History Analysis
- Complaint Handling
- Creditworthiness Determination
- Income Evaluation
- Information Verification
- Remote Video Conferencing
- 10-Key Data Entry
- Time Management
- Data Entry
- Multitasking and Prioritization
- Basic Mathematics
- Regulatory Disclosure Preparation
- Payoff Planning
- Decision Making
- Active Listening and Learning
- Oral and Written Comprehension
- Fraud Detection and Prevention
- Client Interview
- Customer Service
- File Organization
- Complex Problem Solving
- Process Improvement
- Staff Management
- Verbal and Written Communication
- Database Management
- Microsoft Office
- Documentation and Recordkeeping
- Performance Assessment and Improvement
- NMLS Registration
- Analytical and Critical Thinking
References
References Upon Request
Timeline
Senior Loan Officer/Home Loan Specialist
New American Funding
12.2023 - Current
Operations Manager/Senior Loan Officer
Crosscountry Mortgage Inc
06.2014 - 12.2023
Licensed in AL,AZ,AR,CA,CO,FL,IN,KS,MO,MT,TN,TX
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