CHARLES DEBORD
Middletown,USA
Summary
Detail-oriented and dependable professional with over 23 years of experience as a Loan Specialist, skilled in managing multiple priorities while fostering teamwork. Proven expertise in data accuracy and security, with a strong background in client assistance, payment scheduling, and credit history reviews. Committed to taking on additional responsibilities to achieve team goals while pursuing a full-time position that presents professional challenges and utilizes exceptional interpersonal, time management, and problem-solving skills. Knowledgeable in all credit procedures and proficient with various application systems, ensuring efficient operations and client satisfaction.
Overview
36
36
years of professional experience
Work History
SR MORTGAGE ORIGINATOR/ASST MGR
Fidelity Mortgage Inc.
08.2005 - Current
- Increased mortgage loan production by developing strong relationships with realtors, builders, and clients.
- Streamlined hundreds of loan application processes 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.
CDAUTO FINANCE
GM Financial
02.2015 - 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 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 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.
MORTGAGE/FINANCE/LOAN OFFICER
Kentwood Mortgage
06.1999 - 03.2005
- 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 diverse portfolio of loans while maintaining strong relationships with borrowers and referral partners.
- Conducted thorough credit analysis to minimize risk exposure for financial institution.
- Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during 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 appropriate tooling for each project.
- Ensured proper packaging of finished products, adhering to customer requirements and shipping specifications for damage prevention during transportation.
Education
High School Diploma -
Franklin High School
Franklin, OhioSkills
- Residential Mortgage Lending Regulations
- Credit Analysis
- Computer Proficiency
- Customer Service
- Financial Analysis
- Credit History Review
- Financial History Analysis
- Truck Loading and Unloading
- Equipment Operation
- Landscaping
- Machinery Maintenance
- Electrical Understanding
- Concrete work
- Skilled With Ladders and Scaffolds
- Credit evaluation
- Negotiation
- Underwriting
- Loan processing
- Loan product sales
- Loan management
- Encompass
- Octane
- Calyx
- Arive
Website Portfolio Profiles - Website
Chuck DeBord
Mortgage Loan originator Nmls# 186044
Middletown, Ohio
Cardinal Financial Company, Limited Partnership
Timeline
CDAUTO FINANCE
GM Financial
02.2015 - 07.2017
SR MORTGAGE ORIGINATOR/ASST MGR
Fidelity Mortgage Inc.
08.2005 - Current
MORTGAGE/FINANCE/LOAN OFFICER
Kentwood Mortgage
06.1999 - 03.2005
SLITTER OPERATOR /OVERHEAD CRANE OPERATOR
Burjon Steel / Vincent Metals
03.1990 - 05.2000
High School Diploma -
Franklin High School