CHRISTOPHER MCCHESNEY
Pflugerville,TX
Summary
Successfully manages high volumes of loan documentation in fast-paced environments with demanding productivity, funding and customer satisfaction targets. Familiar with verifying tax, credit, employment, loan, personal and residential histories. Comfortable working alone or with team members to accomplish tasks and enhance processes. Self-motivated professional highly proficient in developing creative solutions and implementing objective decision making. Maintains positive attitude and works hard to build team relationships. Dependable Loan Officer possessing in-depth knowledge of direct and indirect lending products, finance concepts and multiple operating systems. Offering 6 years of experience evaluating laon applications. Trustworthy professional with expertise in prospecting, closing and maintaining client relationships.
Overview
8
8
years of professional experience
Work History
Branch Manager / Operating Loan Originator
SUCCESS Lending, LLC
Schaumburg , Illinois
01.2022 - Current
- Recruit and support current team members to Success Lending.
- Provide leadership training in all areas for employees on the team.
- Gather information, such as borrower credit reports and other information, to pre-qualify clients and offer pricing information.
- Collaborate with external contacts, such as realtors, and internal teammates to progress and close transactions.
- Answer customer inquiries involving rates, products, and loan application status to facilitate quality customer service.
- Adhere to federal and state compliance guidelines relative to retail mortgage lending.
Loan Originator
Turbo Mortgage
Austin , TX
01.2020 - 01.2023
- Submitted loan applications to underwriter for verification and recommendations
- Gathered information such as borrower credit reports and other information to pre-qualify clients and offer pricing information
- Collaborated with external contacts such as realtors and internal teammates to progress and close transactions
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service
- Adhered to federal and state compliance guidelines relative to retail mortgage lending
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines
- Built referral business by meeting with local financial planning, home builders and real estate professionals
- Guided clients through loan application initiation and filing
- Assessed assets, income and debts to determine client financial standing and liability risk
- Educated customers on variety of loan products and available credit options to promote valuable decision-making
- Met with applicants to obtain information for loan applications and answer questions about process
- Met with borrowers to discuss needs and promoted financial products and services
- Negotiated loan terms and conditions with customers
- Performed daily maintenance of loan applicant database.
Loan Originator
Network Funding LP
Austin , TX
03.2018 - 01.2023
- Submitted loan applications to underwriter for verification and recommendations
- Gathered information such as borrower credit reports and other information to pre-qualify clients and offer pricing information
- Collaborated with external contacts such as realtors and internal teammates to progress and close transactions
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service
- Adhered to federal and state compliance guidelines relative to retail mortgage lending
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines
- Built referral business by meeting with local financial planning, home builders and real estate professionals
- Guided clients through loan application initiation and filing
- Assessed assets, income and debts to determine client financial standing and liability risk
- Educated customers on variety of loan products and available credit options to promote valuable decision-making
- Met with applicants to obtain information for loan applications and answer questions about process
- Performed daily maintenance of loan applicant database
- Monitored loan status and communicated updates with customers
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files
- Managed pipeline for originated loans through closing and complete required management reports
- Maximized company profitability with appropriate pricing of new loan originations, fee income and selling of products and services
- Delivered high levels of customer service to facilitate smooth processes
- Tracked and managed new leads and followed up on referral business
- Researched investor guidelines and kept up to date on program changes that affected loan processing or origination
- Analyzed applicants' financial status and credit and property evaluation to determine feasibility of granting loan
- Reviewed loan agreements to confirm completeness and accuracy
- Improved loan applications and documentation by informing applicant of additional requirements.
Loan Originator
Security National Mortgage Comp
Austin , TX
01.2017 - 03.2019
- Submitted loan applications to underwriter for verification and recommendations
- Gathered information such as borrower credit reports and other information to pre-qualify clients and offer pricing information
- Collaborated with external contacts such as realtors and internal teammates to progress and close transactions
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service
- Adhered to federal and state compliance guidelines relative to retail mortgage lending
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines
- Recommended loan approvals and denials based on customer loan application reviews
- Built referral business by meeting with local financial planning, home builders and real estate professionals
- Guided clients through loan application initiation and filing
- Assessed assets, income and debts to determine client financial standing and liability risk
- Educated customers on variety of loan products and available credit options to promote valuable decision-making
- Met with applicants to obtain information for loan applications and answer questions about process
- Met with borrowers to discuss needs and promoted financial products and services
- Negotiated loan terms and conditions with customers
- Performed daily maintenance of loan applicant database
- Monitored loan status and communicated updates with customers
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files
- Managed pipeline for originated loans through closing and complete required management reports
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports
- Resolved file problems, bottlenecks and qualified issues throughout underwriting process
- Maximized company profitability with appropriate pricing of new loan originations, fee income and selling of products and services
- Delivered high levels of customer service to facilitate smooth processes
- Tracked and managed new leads and followed up on referral business
- Researched investor guidelines and kept up to date on program changes that affected loan processing or origination
- Analyzed applicants' financial status and credit and property evaluation to determine feasibility of granting loan
- Reviewed loan agreements to confirm completeness and accuracy
- Improved loan applications and documentation by informing applicant of additional requirements.
Education
High School Diploma -
NHMCCC
Houston05.1992
Skills
- Knowledge of VA Loan Process
- Debt and Credit Management
- Customer Service-Focused
- Desktop Underwriter
- Decision Making
- Tax Receipts
- Credit Verification
- Closing Documentation
- Employment Verification
- Time Management
- Problem-Solving
- Loan Application Preparation
- Customer Communication
- Legal Documentation
- Information Verification
- Verbal and Written Communication
- Credit Applications
- Personal Data Collection
- Financial Data Collection
- Insurance Forms
Timeline
Branch Manager / Operating Loan Originator
SUCCESS Lending, LLC
01.2022 - Current
Loan Originator
Turbo Mortgage
01.2020 - 01.2023
Loan Originator
Network Funding LP
03.2018 - 01.2023
Loan Originator
Security National Mortgage Comp
01.2017 - 03.2019
High School Diploma -
NHMCCC
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