Steven Spears
Dewitt,USA
Summary
Enthusiastic Loan Officer capable of providing excellent customer service throughout the loan origination process. Knowledgeable and innovative finance, sales and marketing professional with success based on integrity, exceptional customer service, efficiency and ambition.
Overview
22
22
years of professional experience
Work History
Route Service Representative
Gallagher Uniform
Battle Creek, MI, MI
08.2022 - Current
- Maintained accurate records of delivery routes, including time frames for completion and customer feedback.
- Inspected vehicles for mechanical items and safety issues.
- Ensured safe driving practices by following all applicable laws and adhering to company policies.
- Delivered goods to designated locations in a timely manner while ensuring accuracy of orders.
- Loaded merchandise onto trucks according to proper loading techniques to prevent damage during transportation.
- Assisted in training new employees on route service duties, policies, procedures, and safety protocols.
- Kept accurate logs of all deliveries and trips.
- Maintained cleanliness of vehicle both inside and out for a professional appearance at all times.
Branch Operations Assistant
Crosscountry Mortgage Inc
Okemos, MI
06.2020 - 08.2022
- Assisted loan officers with the preparation of loan documents and closing packages.
- Maintained customer files in an organized manner to ensure accurate tracking of loans.
- Conducted credit checks, verified income and employment information, and obtained other required documentation from applicants.
- Input data into loan origination system accurately and timely.
- Monitored loan applications for completeness and accuracy prior to submission to underwriting department.
- Answered questions regarding loan status and process from customers, real estate agents, title companies.
- Coordinated closings with title companies or attorneys when necessary.
- Analyzed loan files and reviewed client income, assets and credit to verify compliance to specific underwriting criteria and input new loans into designated software.
Mortgage Loan Officer
Michigan First Credit Union
Okemos, MI
12.2019 - 06.2020
- Developed and maintained relationships with local real estate agents.
- Complied applications and paperwork and double-checked for accuracy.
- Approved loans that met specifications.
- Submitted applications to credit analysts.
- Performed daily maintenance of loan applicant database.
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
- Provided expert financial advice on mortgage loans.
- Executed loan origination process, including ordering credit reports, appraisals and preliminary title reports.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Maintained confidentiality of client information.
- Adhered to regulatory and company security and audit procedures.
Residential Loan Officer
FIRST NATIONAL BANK OF AMERICA
East Lansing, MI
11.2016 - 11.2019
- Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
- Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
- Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
- Submit applications to credit analysts for verification and recommendation.
- Confer with underwriters to aid in resolving mortgage application problems.
- Work with clients to identify their financial goals and the most efficient ways of achieving those goals.
- Build networking relationships with realtors and other financial professionals in order to reach more clientele.
- Attended and participated in department staff meetings, brainstorming ideas to alleviate loan process issues.
- Performed daily maintenance of loan applicant database.
- Protected company reputation and built loyal client base by working relentlessly to resolve problems and improve customer satisfaction.
- Maintained 70% rate of closed loans with an average of 41.5 loans and $6.3 million per year.
- Assisted with administrative tasks, including filing, answering phones and Processing loan files.
- Reviewed data for deficiencies or errors and corrected any incompatibilities.
- Created and completed loan submission packages.
- Completed closing process by collaborating with attorneys, title companies and government clerks.
- Reviewed and verified borrowers' income, credit reports, property appraisals and supplemental information to prepare documents for underwriting.
- Organized loan files, updated databases, prepared general correspondence.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Checked approvals against established bank and government lending standards.
- Managed any conditions sent from underwriting departments.
Sales Professional
SUNDANCE CHEVROLET/BUICK GMC
Grand Ledge, MI
06.2012 - 11.2016
- Greet customers and ascertain what each customer wants or needs.
- Place special orders or call other stores to find desired vehicle.
- Network with customers via phone, email and social media to generate new business and referral sources
- Analysis of credit reports to qualify customers for purchase Up to date product knowledge of various brands of vehicles, both new and used Coordinated the process of each sale from conception to completion.
- Up sold Warranty and Gold shield items with orders to boost customer purchases.
- Tracked updates to vehicles, changing markets and customer purchasing trends.
- Filled out paperwork to register vehicles and complete sales.
- Worked with customers and sales management to reach price agreements and explain all warranty, sales and option package procedures.
- Gave detailed information regarding operation of standard and optional vehicle features.
- Maintained high referrals and consistent repeat business due to first-rate customer service standards.
- Responded to inquiries from potential customers via email and telephone.
- Managed sales negotiations and financing options.
Department Manager
WALMART STORES INC
Lansing, MI
11.2001 - 06.2012
- Oversaw efficient receiving and inventory management to keep stock within optimal levels.
- Enforced safety rules and other policies to protect employees and minimize company liability.
- Cultivated talented team of departmental employees through outstanding mentoring, coaching and teaching skills.
- Employed process improvement initiatives within department.
- Trained employees in inventory practices, POS systems and product knowledge, contributing to an increase in customer satisfaction ratings.
- Worked closely with sales associates to complete tasks.
- Coached, trained and mentored new team members and manager trainees.
- Determined performance goals for departmental employees and provided feedback on methods for reaching those milestones.
- Performed opening and closing duties as part of management team, including cash management.
- Ensured that all department employees presented positive, exemplary image to customers.
- Demonstrated excellent communication skills in resolving product and consumer complaints.
Education
High School Diploma -
BAYSHORE HIGH SCHOOL
1996
Skills
- Client account management
- Financial analysis
- Customer service-focused
- Detail-oriented
- Excellent communicator
- Analytical
- Excellent time management
- Active listening
- Data management
- Sales expertise
- Inbound and outbound calling
- Organizational strengths
- Sales Software
- Client Database management
Timeline
Route Service Representative
Gallagher Uniform
08.2022 - Current
Branch Operations Assistant
Crosscountry Mortgage Inc
06.2020 - 08.2022
Mortgage Loan Officer
Michigan First Credit Union
12.2019 - 06.2020
Residential Loan Officer
FIRST NATIONAL BANK OF AMERICA
11.2016 - 11.2019
Sales Professional
SUNDANCE CHEVROLET/BUICK GMC
06.2012 - 11.2016
Department Manager
WALMART STORES INC
11.2001 - 06.2012
High School Diploma -
BAYSHORE HIGH SCHOOL
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