A highly driven, analytical, and goal-oriented Mortgage Loan Office & Real Estate Developer with 25+ years of experience with extensive real estate knowledge and demonstrated success in client education. Collaborative Loan Originator for all types of loans working with people of all levels of familiarity to make the lending process run especially smoothly. Strong interpersonal skills and provides exceptional service throughout the sales process by demonstrating knowledge of banking regulations and compliance. An organized advisor with evolving awareness of loan options to provide best fit options based on applicant goals. Precision-driven Machine Operator known for maintaining high productivity levels and efficiently completing tasks. Specialize in machinery setup, operation optimization, and routine maintenance to ensure peak performance. Possess key soft skills including strong communication for team collaboration, adaptability to rapidly changing production environments, and problem-solving capabilities to address operational challenges effectively. Excel at leveraging technical knowledge and interpersonal abilities to contribute positively to workplace success.
2003 - 2017, Responsible for assisting clients with loan origination processing and underwriting loans refinance and purchases market, Established strong relationships with borrowers, which helped to forge new business opportunities, increase repeat business, as well as generate referral prospects, Maintained current knowledge of industry and market trends to explain the entire mortgage loan process, including payment terms to borrower, Collaborated and facilitated communications between borrowers and lenders to obtain ideal loans for home purchases, Evaluated borrower financial information, including pay stubs and credit history to determine loan possibility and to mitigate financial risk due to defaults, Established strong partnerships with different lends to collaborate on finding the best possible deal for homebuyers, Worked with underwriters to fix application problems and resolve issues to create a closing process that met deadlines, Explained types of loans pertaining to client situations and reviewed loan files to ensure alignment with requirements, Assisted senior-level credit officers with complex loan applications, Recommended loan approvals and denials based on customer loan application reviews, Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act, Originated, reviewed, processed, closed and administered customer loan proposals, Procured financing from conventional and public sources by preparing and submitting financing applications, Spearheaded projects from concept to delivery, overseeing a demolition crew for both residential and commercial projects, Completed tear-down of existing structures and prepared for new construction, Accurately estimated time and materials costs for projects while monitoring expenditures against budget requirements, Consistently assumed additional responsibilities and worked extended hours to meet project deadlines, Reported the quality of performance on site to all site construction managers, Coordinated with other subcontractors according to project schedules, Performed regular job site observations to provide direction for demolition crew personnel, Compiled financial reports pertaining to cash receipts, expenditures and profit and loss, Took Property threw city Papering the Project and Building Permits