Carol Mortenson
Tooele,UT
Summary
Dynamic individual with hands-on experience in Mortgage Lending and talent for navigating challenges. Brings strong problem-solving skills and proactive approach to new tasks. Known for adaptability, creativity, and results-oriented mindset. Committed to making meaningful contributions and advancing organizational goals.
Overview
19
19
years of professional experience
Work History
Branch Mortgage Loan Officer
Mountain America Credit Union
07.2023 - 10.2024
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
- Negotiated favorable terms on behalf of clients, ensuring their long-term financial success with their mortgage loans.
- Developed strong partnerships with local real estate agents to generate consistent referral sources for mortgages.
- Checked loan documents for accuracy prior to closing.
- Streamlined the loan application process for improved customer satisfaction and a higher volume of closed loans.
Mortagage Loan Officer
Mountain View Mortgage
01.2023 - 07.2023
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- 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.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
Mortgage Loan Officer
Integrity First Lending
01.2018 - 01.2023
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
Processor and Loan Officer
Academy Mortgage
01.2008 - 01.2018
- I was a processor and loan officer while working with Academy
- I received awards for processing and continue to make sure the clients receive the best loan for them
- I had the ability to do FHA, Conv, Utah Housing, USDA, and VA loans
- Supported team members in their tasks, contributing to overall team success.
- Increased productivity by effectively managing workload and prioritizing tasks.
- Maintained accurate records and ensured timely completion of all necessary paperwork.
- Provided outstanding customer service by promptly addressing inquiries and resolving issues.
- Managed multiple priorities simultaneously, maintaining organization even during peak periods.
Processor
Bank of Utah
01.2006 - 01.2008
- I was a processor and helped the branch manager with all loan applications
- All office duties, mail, bills to be paid
- Open the office, answered phones, assisted clients with solving.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Increased loan approval rates by efficiently managing pipeline and maintaining strong relationships with borrowers, realtors, and underwriters.
- Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
- Managed risk effectively by adhering closely to compliance guidelines during all stages of the loan origination process.
- Participated in ongoing professional development programs to continuously expand knowledge of the mortgage industry and enhance skills as a loan officer.
- Negotiated favorable terms on behalf of clients, ensuring their long-term financial success with their mortgage loans.
Education
Business Law -
Dixie College
01.1981
Skills
- Creativity
- Organization
- Problem solving
- Teamwork
- Goal-Oriented
- Loan Origination
- Client Account Management
- Negotiation Tactics
- Refinancing options
- Licensed Mortgage Loan Originator
- Credit evaluation
- Customer service-focused
- Attention to Detail
- Decision-Making
Timeline
Branch Mortgage Loan Officer
Mountain America Credit Union
07.2023 - 10.2024
Mortagage Loan Officer
Mountain View Mortgage
01.2023 - 07.2023
Mortgage Loan Officer
Integrity First Lending
01.2018 - 01.2023
Processor and Loan Officer
Academy Mortgage
01.2008 - 01.2018
Processor
Bank of Utah
01.2006 - 01.2008
Business Law -
Dixie College
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