Charles DeBord
Middletown,OHIO
Summary
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals and seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
34
34
years of professional experience
Work History
Sr Mortgage Originator
Fidelity Mortgage Inc.
08.2016 - Current
- Increased mortgage loan production by developing and maintaining strong relationships with realtors, builders, and clients.
- Streamlined the loan application process for smoother transactions, resulting in improved client satisfaction.
- Assisted clients in selecting appropriate mortgage products based on their financial needs and goals.
- Maintained thorough knowledge of lending programs, industry standards, and guidelines to effectively advise clients.
- Identified opportunities for cross-selling additional financial products and services to meet client needs.
- Provided exceptional customer service by promptly addressing inquiries and resolving issues related to loan applications or documentation.
- Prepared detailed financial analyses to accurately assess borrower creditworthiness and risk factors.
- Worked with underwriters to fix application problems and resolve issues.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Explained very technical financial information to applicants in easy to understand language.
Auto Finance
GM Financial
02.2014 - 07.2017
- Improved loan processing efficiency by streamlining workflow and implementing standardized procedures.
- Enhanced customer satisfaction by resolving escalated issues promptly and professionally.
- Maintained strong relationships with auto dealers, ensuring smooth transactions and increasing repeat business.
- Developed comprehensive training programs for new hires to ensure consistent team performance and adherence to company policies.
- Coordinated with sales teams to identify opportunities for cross-selling financial products, boosting overall revenue.
- Maintained up-to-date knowledge of regulatory changes affecting the auto finance industry, adapting practices accordingly to mitigate potential risks.
- Assessed market trends in order to recommend competitive financing products that appeal to customers and drive growth for the business.
- Developed strategic plans for day-to-day financial operations.
- Evaluated and negotiated contracts to procure favorable financial terms.
- Designed and maintained financial models to identify and measure risks.
Fire Security and Extenguisher Tech /Security Analyst
Silco Fire & Security
01.2013 - 02.2014
- Enhanced network security by implementing intrusion detection systems and monitoring potential threats.
- Collaborated with IT teams to develop comprehensive cybersecurity strategies, reducing risks from external attacks.
- Performed forensic investigations to analyze incidents thoroughly and recommend improvements to prevent future occurrences.
- Maintained up-to-date knowledge of emerging threats by attending professional development events and staying informed on industry trends.
- Provided safety reports and data analysis to building managers to inform security processes.
- Enhanced safety measures by installing and repairing various types of fire suppression equipment.
- Participated in ongoing training initiatives to stay current on industry advancements and best practices.
Mortgage/finance/loan Officer
Mortgage
06.2000 - 03.2013
- Improved loan processing efficiency by streamlining application procedures and documentation requirements.
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Managed a diverse portfolio of loans while maintaining strong relationships with borrowers and referral partners.
- Conducted thorough credit analysis to minimize risk exposure for the financial institution.
- Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
- Utilized advanced financial software tools to accurately assess borrower eligibility for various mortgage products.
- Maintained strict confidentiality of bank records and client information.
- Submitted loan applications to underwriter for verification and recommendations.
- Examined customer loan applications for loan approvals and denials.
Slitter Operator /Overhead Crane Operator
Burjon Steel / Vincent Metals
03.1990 - 05.2000
- Enhanced production efficiency by accurately setting up and operating slitting machinery.
- Reduced material waste by closely monitoring machine performance and making necessary adjustments.
- Maintained high-quality output with careful inspection of finished products for defects or imperfections.
- Streamlined operations by routinely cleaning, lubricating, and maintaining slitter equipment to ensure optimal performance.
- Increased workplace safety with strict adherence to company protocols and OSHA regulations.
- Consistently met production deadlines by effectively managing time and prioritizing tasks.
- Supported inventory management efforts through accurate record-keeping of raw materials, work-in-progress, and finished goods.
- Improved product quality by regularly calibrating measuring instruments and verifying their accuracy.
- Assisted in training new employees on slitter operation procedures, enhancing overall team productivity.
- Communicated effectively with supervisors regarding equipment needs, maintenance concerns, and operational challenges to ensure smooth workflow.
- Maximized material utilization by analyzing job specifications and selecting the appropriate tooling for each project.
- Ensured proper packaging of finished products, adhering to customer requirements and shipping specifications for damage prevention during transportation.
- Increased order accuracy by diligently reviewing job orders before beginning the slitting process.
- Ensured the consistent use of personal protective equipment and adhered to all safety guidelines, fostering a safe working environment for all team members.
- Followed company policies and OSHA requirements to maintain work safety.
- Multi-tasked to keep all assigned projects running effectively and efficiently.
- Used gauges, calipers, and other devices to take measurements and identify problems.
- Reviewed work orders to determine materials needs, where to make cuts and how to complete high-quality products in line with specifications.
- Made timely adjustments to machine operations and components to meet demands of different production orders.
- Loaded and positioned raw materials in loading and feeding mechanisms.
- Kept equipment clean, repaired, and lubricated to maximize performance.
- Restocked workstations with supplies to prevent work delays.
- Operated overhead, gantry and remote control cranes in according to safety processes and established procedures.
- Performed daily safety checks to achieve safe operating condition of equipment.
- Operated large cranes to lift and move materials with precision and accuracy.
- Operated cranes and other equipment while monitoring coworker, personal and overall work zone safety.
- Safely operated forklift to transport materials within the warehouse, reducing manual labor efforts.
Education
High School Diploma -
Franklin High School
Franklin , Ohio06.1989
Skills
- Residential Mortgage Lending Regulations
- Market Knowledge
- Residual Incomes
- LTV Calculations
- Credit Analysis
- Application Analysis
- Computer Proficiency
- Customer Service
- Loan Origination Software
- Attention to Detail
- Problem Solving
- Adaptability
- Time Management
- Fraud Detection
- Financial Analysis
- Loan Evaluation
- Credit History Review
- Financial History Analysis
- NMLS Registration
- Microsoft Office
- Truck Loading and Unloading
- Equipment Operation
- Landscaping
- Safety Procedures
- Willingness to Learn
- Machinery Maintenance
- Electrical Understanding
- Concrete work
- Skilled With Ladders and Scaffolds
- Team Player
- Material Loading and Unloading
- Recordkeeping Abilities
Affiliations
- Outdoors, Fishing , Hunting , Hiking , Family
Timeline
Sr Mortgage Originator
Fidelity Mortgage Inc.
08.2016 - Current
Auto Finance
GM Financial
02.2014 - 07.2017
Fire Security and Extenguisher Tech /Security Analyst
Silco Fire & Security
01.2013 - 02.2014
Mortgage/finance/loan Officer
Mortgage
06.2000 - 03.2013
Slitter Operator /Overhead Crane Operator
Burjon Steel / Vincent Metals
03.1990 - 05.2000
High School Diploma -
Franklin High School
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