Brenda Saulsbury
Lumberton,TX
Summary
Accomplished Loan Officer dependable in building customer base and exceeding business goals. Well-versed in loan products and customer engagement strategies. Pursues opportunities to build connections, increase bank revenue and cement loyalty. Organized Mortgage Loan Officer with 19 years of experience in mortgage lending. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations.
Overview
19
19
years of professional experience
Work History
Licensed Mortgage Loan Originator
AMCAP Dba Westin Mortgage
2012.01 - 2023.08
- Increased loan application approval rates by efficiently evaluating borrower creditworthiness and financial stability.
- Streamlined mortgage loan processing for quicker approvals through effective communication with underwriters, borrowers, and real estate agents.
- Enhanced customer satisfaction by providing timely updates on loan status and addressing inquiries or concerns promptly.
- Maintained compliance with federal and state regulations, ensuring accurate documentation and preventing potential legal issues.
- Collaborated with loan processors to expedite the closing process, allowing clients to move into their homes sooner.
- Developed strong relationships with realtors, builders, and other referral sources to grow business opportunities and expand clientele.
- Educated prospective borrowers on various loan programs available, matching them with the best financing options for their needs.
- Reviewed complex financial documents to accurately determine borrower eligibility for mortgage loans, minimizing default risks.
- Provided exceptional customer service throughout the entire loan process, earning positive reviews from both clients and partners alike.
- Consistently met or exceeded monthly sales quotas while maintaining a high level of quality in all loan applications submitted.
- Fostered a professional and supportive work environment within the team by sharing industry knowledge and best practices regularly.
- Utilized modern technology platforms to manage client information securely while maintaining strict confidentiality standards required by law.
- Analyzed market trends to remain competitive in the ever-changing mortgage industry landscape successfully adapting sales strategies when necessary.
- Maintained a comprehensive understanding of various mortgage products offered including conventional, FHA, VA, USDA loans as well as refinance options.
- Conducted thorough pre-qualification assessments before initiating the loan application process saving time for both clients and colleagues alike.
- Negotiated optimal interest rates and fees with borrowers, providing them with competitive financing solutions.
- Participated in community events and networking activities to promote the company''s brand presence and generate new business leads.
- Remained up-to-date on industry regulations, guidelines, and loan program changes by attending relevant training sessions and webinars regularly.
- Offered guidance to junior team members on navigating complex loan scenarios, fostering a collaborative work environment that prioritized client success.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Worked with underwriters to fix application problems and resolve issues.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Checked loan documents for accuracy prior to closing.
- Explained different types of loans pertaining to client situations.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Negotiated loan terms and conditions with clients to maximize profitability.
- Fielded customer complaints and provided solutions.
- Developed and implemented marketing campaigns to generate new business opportunities.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Explained very technical financial information to applicants in easy to understand language.
- Developed and maintained relationships with customers, lenders and other third parties.
- Processed loan applications and monitored progress from start to finish.
- Assisted customers with completing loan applications and other paperwork.
- Monitored pipelines to track and log status of loans.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Proactively identified solutions for customers experiencing credit issues.
- Negotiated loan terms and conditions with customers to secure best deal.
- Assessed loan portfolios for compliance with underwriting policies.
Mortgage Loan Officer
Superior Mortgage
2004.08 - 2010.06
- Increased loan approval rates by efficiently managing pipeline and maintaining strong relationships with borrowers, realtors, and underwriters.
- Streamlined the loan application process for improved customer satisfaction and a higher volume of closed loans.
- Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
Education
No Degree - Mortgage Loan Origination - Loan Officer License
Champions
Houston, Tx07.2004
GED -
Kountze High School
Kountze, TX05.1975
Skills
- Customer Relationship Management
- Adaptability and Flexibility
- Data Entry Efficiency
- Financial Analysis Abilities
- Loan Processing Familiarity
- Regulatory Compliance Knowledge
- Loan Origination Expertise
- Mortgage Products Knowledge
- Decision Making Abilities
- Real Estate Market Awareness
- Conflict Resolution
- Underwriting Principles Understanding
- Documentation Management
- Problem Solving Aptitude
Timeline
Licensed Mortgage Loan Originator
AMCAP Dba Westin Mortgage
2012.01 - 2023.08
Mortgage Loan Officer
Superior Mortgage
2004.08 - 2010.06
No Degree - Mortgage Loan Origination - Loan Officer License
Champions
GED -
Kountze High School
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