CHARLES SIMS
Gilbert,AZ
Summary
Results-driven Loan Officer with 5+ years of originated residential mortgage loans, home equity loans, and business loans. Experienced in developing client relationships, and guiding borrowers through the lending process. Strong knowledge of various mortgage loan products, business loan structuring, credit analysis, and underwriting requirements. Credit & Financial Analysis Loan Origination & Processing Business Growth Credit & Financial Analysis Pipeline Management Team Leadership Branch Operations Management Loan Documentation Requirements
Overview
1
1
Certification
5
5
years of professional experience
Work History
Mortgage Loan Originator
PNC Bank
Mesa, AZ
07.2026 - Current
- Originated and managed residential mortgage loans, ensuring seamless processing from initial application to closing for optimal client satisfaction.
- Evaluated borrower income, assets, credit history, debt-to-income ratios, and overall financial profiles to recommend tailored loan options, and enhance client decision-making.
- Cultivated referral relationships with real estate agents, builders, financial professionals, and past clients, resulting in a steady stream of qualified leads.
Assistant Vice President
FirstBank
Gilbert, AZ
02.2022 - 06.2026
- Originated and managed residential mortgage, home equity, and business loans, ensuring compliance from initial application through closing.
- Underwrote home equity and business loans in accordance with company loan policy and lending regulations, ensuring risk management.
- Oversaw branch operations, coordinating cash out approvals and vault runs to maintain operational efficiency.
Banking Officer
FirstBank
Lakewood, CO
08.2021 - 02.2022
- Analyzed borrower income, assets, credit history, and debt-to-income ratios to identify best loan options for clients.
- Provided loan approvals based on thorough assessment of borrower financial profiles.
- Led team of five mortgage loan originators to streamline the loan origination process.
Education
Bachelor of Arts (BA) - Org. Communication Studies, Business Administration
Colorado State University
Fort Collins, CO01-2019
Skills
- Loan processing
- Credit assessment
- Financial analysis
- Underwriting guidelines
- Referral development
- Problem solving
Certification
Salesforce Certified Professional | Jun 2021 - Current, NMLS Licensed Mortgage Loan Originator | 2021-Current
Timeline
Mortgage Loan Originator
PNC Bank
07.2026 - Current
Assistant Vice President
FirstBank
02.2022 - 06.2026
Banking Officer
FirstBank
08.2021 - 02.2022
Bachelor of Arts (BA) - Org. Communication Studies, Business Administration
Colorado State University