- Soccer
Christopher Chapman
Mortgage Loan Officer
FL
Summary
Organized Mortgage Loan Officer with 18 years of experience in Mortgage Loan Origination. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations. Accomplished Loan Officer dependable in building customer base and exceeding business goals. Well-versed in loan products and customer engagement strategies. Pursues opportunities to build connections, increase bank revenue and cement loyalty. Highly skilled with expertise in data accuracy and security. Hardworking professional with over 20 years of assisting clients and reviewing credit histories. Knowledgeable in all credit procedures. Mortgage Loan Officer offering vast knowledge of banking regulations and compliance procedures. Dedicated to maintaining professionalism and integrity. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand. Military Veteran who understands how to operate under pressure.
Overview
19
19
years of professional experience
2
2
Certifications
15
15
years of post-secondary education
Work History
Sr Express Mortgage LO
Space Coast Credit Union
Melbourne, FL
07.2004 - Current
- Worked with underwriters to fix application problems and resolve issues.
- Reviewed loan files and updated to match current standards.
- Explained different types of loans pertaining to client situations.
- Fielded customer complaints and provided solutions.
- Implemented sales strategies that established relationships with realtors.
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
- Proactively identified solutions for customers experiencing credit issues.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Explained very technical financial information to applicants in easy to understand language.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Used Microsoft Word and other software tools to create documents and other communications.
- Implemented sales strategies that established relationships with realtors and CPAs.
- Handled approximately 115 outbound and inbound sales-related calls per week to qualify individuals interested in purchasing or refinancing their homes.
Insurance Sales
State Farm
Springfield, MO
03.2006 - 03.2007
- Customized existing insurance programs to suit individual client needs by analyzing specific requirements.
- Sought out new clients and developed client relationships through networking, direct referrals, lead databases and cold calling.
- Recommended type and amount of coverage based on analysis of customers' circumstances using persuasive sales techniques.
- Drove team revenue totals by bringing in top sales numbers.
- Sold auto, home, life and other various insurance products to individuals and affinity groups within assigned territory using consultative selling techniques.
- Met with customers to provide information about available products and policies.
- Identified and solicited sales prospects in agency databases.
- Displayed consistent, positive attitude towards customers, peers and other personnel, even during high-stress situations.
Education
High School Diploma -
Barberton High School
Barberton, OH 08.1994 - 06.1997
No Degree - Social Studies Comprehensive/Childhood Education
Malone University
Canton, OH 08.1997 - 09.2001
No Degree - Military Police
US Army Armor School
Fort Leonard Wood, MO 2000.01 - 2008.01
Skills
- Conventional, VA and FHA loan expert
Accomplishments
- Published in a recent online article for First Time Home buyers with MGIC: readynest.com/homebuyer-stories/8-things-loan-officers-want-first-time-homebuyers-to-know-about-homebuying
- Spoke for an online webinar with over 100 attendees during covid. This was for CU Realm about best practices for the mortgage process and client interactions.
- Trained more than 300 full time associates and 100 flex-time associates across our more than 60 branches on the mortgage process and how to interact with the membership
- Traveled to the credit unions 60 branches and 2 call centers to help implement a mortgage training strategy and sales technique.
- Project Development - Collaborated with a team of 15 in the development of new loan origination systems company wide.
- Awarded “Employee of the Month” for multiple months over my 18 years with Space Coast Credit Union.
- Sales - Increased sales by 28% year over year during a three year period with our online sales group (2012-2014).
- Exceeded monthly sales goals from day one of hire date in 2004.
- Supervised team of 31 staff members for several years.
- Product Promotion - Up-sold products and motivated customers to upgrade current product plans.
- Telephone Service - Professionally processed 80+ calls per day, providing information and service to ensure customer satisfaction.
- Director of a Youth Soccer club for 3 years developing, training, and coaching over 500 youth soccer players. As well as developing, training and coaching over 60 coaches.
Additional Information
Registered with the NMLS.
Proficient in the Bank Secrecy Act, REG Z, HMDA, RESPA, and other bank training.
Certification
- NMLS License
Interests
- Traveling
- Hiking
- Nature
Timeline
- FYSA D-r (Coaching)
07-2011
- NMLS License
06-2010
Insurance Sales
State Farm
03.2006 - 03.2007
Sr Express Mortgage LO
Space Coast Credit Union
07.2004 - Current
No Degree - Military Police
US Army Armor School
2000.01 - 2008.01
No Degree - Social Studies Comprehensive/Childhood Education
Malone University
08.1997 - 09.2001
High School Diploma -
Barberton High School
08.1994 - 06.1997
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