Bryan Payne
Chatham,VA
Summary
Having an eye for detail and 20+ years in the finance/mortgage industry, Perfect candidate for a variety of roles within an organization. Experience in Microsoft Office and Google Suite. Eager to learn and adapt to high pace environments quickly. Talented loan advisor/originator with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Loan Advisor
Labor Credit Union
02.2023 - Current
- Enhanced loan approval rates by meticulously analyzing borrowers'' financial statements and credit histories.
- Streamlined the loan application process for clients by effectively communicating requirements and providing guidance.
- Boosted customer satisfaction levels with a timely response to inquiries and resolution of issues.
- Achieved successful loan closures by diligently managing client relationships throughout the entire application process.
- Collaborated with underwriters to expedite loan approvals, ensuring adherence to strict industry regulations.
- Increased referral business by fostering strong relationships with real estate agents and other industry professionals.
- Maximized efficiency in processing loan applications through the use of advanced software tools and platforms.
- Developed customized financial solutions for clients based on their unique needs, leading to higher client retention rates.
- Ensured compliance with federal, state, and company policies by conducting thorough audits of all loan documentation.
- Educated clients on various mortgage products, empowering them to make informed decisions about their financial futures.
- Expedited loan processing times by maintaining clear communication channels between internal departments and external partners.
- Conducted comprehensive risk assessments for each borrower, mitigating potential losses for the organization.
- Managed a diverse portfolio of loans while consistently meeting or exceeding sales targets set by management.
- Negotiated favorable terms for both new loans and refinancing options to better serve clients'' needs and improve overall profitability.
- Assisted in developing training materials aimed at increasing staff knowledge in lending practices, resulting in improved job performance across the team.
- Monitored market trends to capitalize on emerging opportunities within the mortgage industry that could benefit clients or increase revenue streams.
- Provided ongoing support for existing clients, addressing concerns or questions related to their loans as needed throughout the life of the agreement.
- Contributed towards continuous improvement initiatives within the organization by sharing best practices and suggesting process enhancements.
- Participated in networking events to promote the company''s loan products and services, establishing valuable connections within the industry.
- Maintained up-to-date knowledge of current lending regulations, ensuring compliance with all applicable laws and policies in every client interaction.
- Assisted customers with completing loan applications and other paperwork.
- Developed and maintained relationships with customers, lenders and other third parties.
- Negotiated loan terms and conditions with customers to secure best deal.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Processed loan applications and monitored progress from start to finish.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Explained very technical financial information to applicants in easy to understand language.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Proactively identified solutions for customers experiencing credit issues.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Monitored pipelines to track and log status of loans.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
Mortgage Loan Officer Assistant
Ameris Bank
06.2021 - 11.2022
- Analyzed approximately 10 loan files per day and reviewed client income, assets and credit to verify compliance to specific underwriting criteria and input new loans into designated software
- Generated estimates clients requested, sent pre-approval letters to agents and confirmed receipt of verification of employment documentation
- Preparation and set up of builder open house events
- Working with processors on answering any questions on files in pipeline to ensure on time settlement
- Communications with agents and clients
- Ordered, prepared and verified documents necessary for loan to close in compliance, on time and without last-minute surprises
- Created, updated and maintained social media and website pages, maintained marketing databases and introduced computerized process to keep in regular contact with borrowers
- Liaised between borrowers and realtors, title companies and loan company management
- Contacted previous clients to verify satisfaction with process and service and to offer additional support and
- Set and confirmed appointments with clients, realtors and business partners and initiated marketing contact with new leads and realtors
- Maintained up-to-date knowledge and compliance with internal policies and procedures and verified adherence to state and federal laws, rules and regulations affecting loan institutions
- Performed administrative tasks such as creating status reports on loans in progress, photocopying loan documents, printing daily mortgage rate sheets and answering phones
- Checked applicant credit, personal references and employment histories
- Examined and verified information in loan application and closing documents.
Senior Manager
Advon Group with eXp Realty
02.2018 - 06.2021
- Scheduling and maintaining appointments for Broker/Agent
- Building and strengthening community relationships
- Scheduling and conducting showings with buyers
- Gathering information on specific properties in preparation for meetings/showings
- Arranging schedules for photos, video and virtual tours to take place
- Preparing collateral/marketing materials, blog posting for website
- Overseeing processes with transaction coordinator with follow up to ensure projects are completed timely and files stay on track
- Coaching calls weekly with transaction coordinator to better streamline processes
- Onboarding new agents to team, streamlining processes while maintaining and updating policies and procedures
- Managing current staff of agents on their time with coaching as needed
- Coaching agents with drafting of contracts building their book of business.
Senior Mortgage Loan Officer
Arlington Community Federal Credit Union
05.2015 - 02.2018
- In challenging markets, finding opportunity to research and develop compliance approved 100% financing mortgage product
- This program allowed first time home buyer opportunity to purchase outside of traditional mortgage parameters
- Growing community awareness of Credit Union's mortgage capability with innovating new products
- Proficient in facilitating buyer seminars with presentations to help strengthen understanding through mortgage process
- Effectively reviewed client credit files for accuracy and recommendations to increase highest credit potentials which in turn increased purchase opportunity
- Keeping focus of clients best interest while maintaining integrity of company core values
- Worked independently and collaboratively while remotely managing multiple projects in conjunction with marketing on campaign deliverables
- Processed challenging loan applications for first-time borrowers, self-employed applicants and borrowers with problematic credit histories.
Education
High school diploma - Advanced Diploma
Chatham High School
Chatham, VA 06.1992
Skills
- Training & Development
- Microsoft Office
- Event Planning
- Marketing/Social Media
- Underwriting
- Google Suite
- Business Development
- CRM Software
- Sales
- Loan Origination
- Documentation Review
- Creditworthiness Determination
- Application Review
- Document analysis
- Loan structuring
- Product Education
- Income Evaluation
- Active Listening and Learning
- Referral Network Development
- Analytical and Critical Thinking
- Customer Service
- Automated Underwriting System (AUS)
- Oral and Written Comprehension
- Attention to Detail
- Problem-Solving
- Organization
Certification
- Certified Financial Wellness Advisor, Labor Credit Union - last six months.
Timeline
Loan Advisor
Labor Credit Union
02.2023 - Current
Mortgage Loan Officer Assistant
Ameris Bank
06.2021 - 11.2022
Senior Manager
Advon Group with eXp Realty
02.2018 - 06.2021
Senior Mortgage Loan Officer
Arlington Community Federal Credit Union
05.2015 - 02.2018
High school diploma - Advanced Diploma
Chatham High School
- Certified Financial Wellness Advisor, Labor Credit Union - last six months.
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