Chris Carter
Summary
Experienced and enthusiastic Financial Professional with track record of success across wide range of different financial roles. Possesses exceptional problem-solving and credit background skills to provide advice and expertise to clients to improve their financial lives. Experienced in all aspects of operations, credit, banking and FINRA regulations
Overview
12
12
years of professional experience
1
1
Certification
Work History
Client Relationship Consultant 4
US Bank
05.2024 - Current
- Having a working knowledge of banking products and services, including digital products
- Helping clients select financial products or services
- Builds and fosters relationships with clients through proactive outreach and follow up, asking questions and learning about their financial needs
- Identifies solutions for new and existing clients based on their needs by effectively engaging and communicating with clients
- Strong client relationships are based on trust, assessing and attending to customers' banking needs
- Develops collaborative partnerships with branch team members and partners to best serve clients
Mortgage Loan Originator
Elite Financial Team/ G Mortgage
10.2022 - 05.2024
- Pre-Qualify Clients
- Originate Conventional Mortgages
- Originate NON-QM Loans
- Call 25-50 prospects daily
- Track and complete tasks in CRM
- Marketing of new products and services to real estate agents
- Scheduling out each day to maximize efficiency and stay detail oriented
- Negotiating with lenders to find the best solution for each client
Wells Fargo Home Mortgage Underwriter
Wells Fargo Bank
05.2021 - 10.2022
- Reviews loan applications, assesses risk, and decisions loan files
- Examine credit reports, tax returns, financial statements, and other documents
- Identify potential red flags in customer information, assets, income, and property
- Use an automated scoring system or traditional underwriting to approve or deny loan requests
- Stay up to date on regulations and ensure credit files are accurate and complete
- Calculating income, Reviewing collateral, Preparing reports, Gathering information from customers and partners
Licensed Personal Banker
Wells Fargo Bank Advisors
02.2018 - 05.2021
- Acquire new customers and deepen existing relationships
- Advise customers on financial options and services
- Maintain a Financial Industry Regulatory Authority (FINRA) Series registration and state insurance license
- Schedule appointments, attend on-sites, and make outreach calls
- Build relationships with customers, both consumers and small businesses
- Make introductions to partners to help meet customer's broader financial needs
- Worked on special PPP program underwriting team
Financial Consultant
PNC Bank
02.2017 - 02.2018
- Ability to transition between Platform and other branch roles including Personal banker, teller, and loan specialist
- Responsible for proper filing of documentation for retention as well as audit periods
- Knowledgeable of all Retail lending products such as Home Equity, Auto loans, unsecured lines of credit, etc
- Advisor to clients on how to reach their full financial potential, as well as manage credit
- Prospector of local businesses to engage with owners and understand what drives their business, cash flow, etc
Member Service Specialist
Truliant Federal Credit Union
05.2013 - 02.2017
- Assist Members with all lending needs
- Very Proficient in submitting loan applications, helping process loans and completing closing process
- Worked directly with underwriters on loan stipulations
- Discover Members products and services needs
- Certified Public Notary
- Serve the financial needs of our members accurately and efficiently
- Vault Teller Experience, Cash Handling Experience
Education
Diploma -
West Forsyth High School
Clemmons, NC05.2007
Associate's Degree - Business Administration
Forsyth Tech Community College
Winston Salem, NC05.2013
Skills
- Very skilled in helping clients build, re-build or strengthen credit profiles
- Attention to detail
- Sales strategy
- Integrity and honesty
- Multitasking and organization
- Time management
Certification
- NMLS Certified- NMLS ID: 1495218
- FINRA SIE, Series 6, Series 63- not active- CRD# 7158001
- Public Notary of Colorado
- Colorado Mortgage Loan Originator
- PNC Conversation Certified
- NC Life Insurance License not active
- CARES Certification
Timeline
Client Relationship Consultant 4
US Bank
05.2024 - Current
Mortgage Loan Originator
Elite Financial Team/ G Mortgage
10.2022 - 05.2024
Wells Fargo Home Mortgage Underwriter
Wells Fargo Bank
05.2021 - 10.2022
Licensed Personal Banker
Wells Fargo Bank Advisors
02.2018 - 05.2021
Financial Consultant
PNC Bank
02.2017 - 02.2018
Member Service Specialist
Truliant Federal Credit Union
05.2013 - 02.2017
Associate's Degree - Business Administration
Forsyth Tech Community College
Diploma -
West Forsyth High School