BRANDI HEINEMEYER
Olympia
Summary
Results-driven financial services consultant with a focus on driving mortgage business growth through tailored solutions and effective risk assessments. Proven ability to enhance client relationships and satisfaction by educating borrowers and providing strategic recommendations, leading to successful high-volume application approvals.
Overview
1
1
Certification
19
19
years of professional experience
Work History
Sr. Loan Consultant
New American Funding
Federal Way
04.2024 - Current
- Employed consultative selling techniques to guide clients on mortgage options and financial products.
- Conducted risk assessments of loan applications, providing tailored recommendations.
- Analyzed applicants' financial status, credit histories, and property evaluations for loan feasibility.
- Maintained up-to-date knowledge of local and federal mortgage regulations and guidelines.
- Educated borrowers on loan types, credit options, and service terms, facilitating informed decision-making.
- Developed referral networks, increasing prospect identification and driving mortgage business growth.
- Established relationships with real estate agents and businesses, broadening referral sources for loan opportunities.
- Compiled and analyzed financial data to assess acceptable risk for loan approvals.
Senior Mortgage Loan Originator
Fairway Independent Mortgage Corporation
Puyallup
04.2022 - 04.2024
- Employed consultative selling techniques to effectively guide clients in selecting appropriate mortgage options and financial products, enhancing customer satisfaction.
- Analyzed applicants' financial status, credit histories, and property evaluations for loan feasibility.
- Conducted risk assessments of loan applications, providing tailored recommendations.
- Compiled and analyzed financial data to assess acceptable risk for loan approvals.
- Maintained up-to-date knowledge of local and federal mortgage regulations and guidelines.
- Educated borrowers on various loan types, credit options, and service terms.
- Developed referral networks to identify prospects, contributing to significant growth in mortgage business opportunities.
- Established and nurtured relationships with real estate agents and businesses, broadening referral sources and increasing client acquisition.
Production Manager/Senior Loan Originator
PrimeLending, A PlainsCapital Company
Puyallup
08.2018 - 04.2022
- Advised clients on mortgage options and financial products using consultative selling techniques to align solutions with client needs.
- Analyzed financial status, credit reports, and property evaluations to assess loan feasibility.
- Educated borrowers on various loan types and credit options while clarifying service terms.
- Conducted risk assessments of loan applications, providing tailored recommendations.
- Maintained up-to-date knowledge of local and federal mortgage laws and regulations.
- Established referral networks to identify prospects, driving growth in mortgage business opportunities.
- Partnered with realtors at marketing events to generate leads for mortgage products, increasing outreach and visibility.
- Submitted loan applications for underwriter verification, ensuring completeness and compliance.
Senior Loan Originator/ Branch Manager
Wells Fargo Bank, NA
Lacey
07.2007 - 08.2018
- Directed daily operations, leading the team to exceed monthly sales targets.
- Developed referral networks to generate a consistent pipeline of loan prospects and expand market reach.
- Oversaw marketing campaigns to enhance branch visibility and brand recognition.
- Advised clients on mortgage loan options, resulting in tailored solutions that met individual financial needs.
- Conducted risk assessments on loan applications, identifying potential issues and recommending strategies to mitigate risk.
- Analyzed financial status, credit, and property evaluations to assess loan feasibility.
- Educated borrowers on various loan types, credit options, and service terms.
- Maintained up-to-date knowledge of local and federal mortgage regulations.
Education
Oregon Institute of Technology
Klamath Falls, OR01-1992
Skills
- Originating Home Loans
- Residential Mortgage Applications
- Loan Application Management
- Pre-Approval Process
- Mortgage Plan Advising
- VA loan expertise
- Debt Ratios
- Credit Check Knowledge
- Financial Analysis
- Detailed analysis
- Data Analysis
- Desktop Underwriting Expertise
- Regulatory Compliance
- AML compliance
- Federal Statutes
- Risk Mitigation Strategies
- Customer Interaction
- Relationship management
- Customer Satisfaction
- Team Performance Management
- Business Referral Management
- Calculate Payments
- Client Needs Assessment
- Program Requirements
- Program Requirements
- Risk Mitigation Strategies
Certification
- NMLS# 442278
- AZ LO-1039720
- CA-DFPI442278
- Oregon
- Montana
- NV LIC#79493
- Texas
- Washington
- WY- LIC#105858
- Alabama
- Florida
- Idaho
- New Mexico
- Tenessee
Timeline
Sr. Loan Consultant
New American Funding
04.2024 - Current
Senior Mortgage Loan Originator
Fairway Independent Mortgage Corporation
04.2022 - 04.2024
Production Manager/Senior Loan Originator
PrimeLending, A PlainsCapital Company
08.2018 - 04.2022
Senior Loan Originator/ Branch Manager
Wells Fargo Bank, NA
07.2007 - 08.2018
Oregon Institute of Technology