CALLAHAN NEUROTH
Gallatin,TN
Summary
Detail-oriented and risk-conscious Mortgage Loan Officer with a strong foundation in financial analysis, credit evaluation, and decision-making under regulatory compliance. Experienced in assessing borrower profiles, interpreting complex financial documents, and determining eligibility based on risk tolerance, skills directly transferable to insurance underwriting. Adept at balancing risk and reward, maintaining accuracy under pressure, and collaborating cross-functionally to ensure timely outcomes. Eager to bring a strong analytical mindset, customer service expertise, and underwriting-adjacent experience into a dynamic insurance underwriting environment.
Overview
4
4
years of professional experience
Work History
Loan Officer
United Home Loans
02.2025 - Current
- Built and maintained a 100% referral-based pipeline by cultivating relationships with real estate agents, financial advisors, and past clients, resulting in generating inbound qualified leads.
- Analyzed borrower financials including income, assets, credit, and debt-to-income ratios to recommend appropriate loan products while ensuring compliance with lending guidelines.
- Interpreted complex financial documents such as tax returns, pay stubs, and bank statements to assess creditworthiness and risk.
- Collaborated with underwriters, processors, and escrow officers to ensure seamless loan processing and timely closings.
- Taught and hosted educational home-buying seminars to business’s employees & prospective homeowners.
- Provided financial education and guidance to clients, breaking down amortization, rate impacts, and monthly payment structures in easy-to-understand terms.
- Utilized CRM and LOS platforms (e.g., Encompass, SureFire) to track client data, manage follow-ups, and generate reports on loan performance and lead sources.
Loan Officer
NVR Mortgage
01.2024 - 02.2025
- Establish & maintain relationships with several community sales representatives throughout each client sales cycle for a top 10 ranked national home builder.
- Assist clients in obtaining mortgage loans for new construction home purchases while evaluating applicants’ financial status, credit history, income stability, and debt-to-income ratios to determine loan eligibility.
- Ability to explain different mortgage options, including fixed-rate, adjustable-rate, USDA, FHA, VA, Conventional, & in-state loan programs.
- Guide clients through the mortgage loan process, from pre-qualification to closing while ensuring compliance with federal, state, and lender-specific regulations.
- Maintain detailed records of loan applications, pre-approvals, and all client interactions.
Loan Officer Assistant
Mutual of Omaha Mortgage
01.2023 - 01.2024
- Act as a key point of contact between loan officer(s), client, and processor during the origination of loans from initial inbound file submission to clear-to-close approval.
- Calculate income, analyze credit, and verify assets of each loan borrower. Run AUS to determine approval or eligibility status and appropriate time to lock in terms with each client.
- Utilize Encompass software to request all necessary documentation such as initial disclosures, appraisals, hazard insurance, and title.
- Clearing underwriting conditions by management of all client paperwork.
- Educating customers on mortgage rules and regulations, interest rates, and the application process and assisting with final applications.
- Track loan officer’s schedule(s), follow up with leads, assist with client meetings, and provide loan status to all parties.
Rental Manager
MHC Truck Leasing
10.2021 - 01.2023
- Oversee all department operations and drive sales revenue.
- Follow up and close on new and existing sales leads, schedule rental reservations, and process new accounts.
- Manage day-to-day operations involving fleet of 60 rental vehicles.
- Submit monthly billing and finance tracking while working toward increasing department revenues and managing P&L data.
- Submit monthly reporting on individual unit service status, profit, and future attention items including any out of service dates, recalls, or specific customer needs.
Education
Bachelor of Arts - Business Administration And Management
California Baptist University
Riverside, CA05.2022
High School Diploma -
Ambassador High School
Torrance, CA05.2018
Skills
- Relationship Management & Client Advisory
- Regulations Compliance
- Asset Management
- Credit & Financial Analysis
- Underwriting software
- Problem Solving
- Investment & Market Research
- Risk Assessment & Mitigation
Leadership and Key Accomplishments
- Assisted with training, role play, & development of new loan officers at the NVR Mortgage Nashville branch.
- #27 Ranked Loan Officer out of 178 at NVRM in 2024
- 78 total loans closed for $22m+ sales volume
- Led Los Angeles Jr. Kings hockey program as Captain for two consecutive U16/U18AAA seasons, winning U18 state championship.
Timeline
Loan Officer
United Home Loans
02.2025 - Current
Loan Officer
NVR Mortgage
01.2024 - 02.2025
Loan Officer Assistant
Mutual of Omaha Mortgage
01.2023 - 01.2024
Rental Manager
MHC Truck Leasing
10.2021 - 01.2023
Bachelor of Arts - Business Administration And Management
California Baptist University
High School Diploma -
Ambassador High School