Clint Clothier

High level of service, meet and build relations while selling furniture with a custom feel.

• Provided a 5 star driving experience with safety and speed when needed
• Achieved consistent safety targets by adjusting driving to different road and traffic conditions, and avoiding dangerous driving actions.

• Originated, reviewed, processed, closed, and administered customer loan proposals that were tailored to the borrower short and long term goals.
• Managed a small group and led in sales training on products and closing methods along with compliance.

Taking inbound leads for borrowers looking to secure financing. I will always really dig in deep to find out the goals for them for their new home. do they plan on staying a certain amount of years, if this was a forever home. I build a custom proposal based on the clients situation with income, DTI and down payment. Once that is done I run credit and AUS than proceed to lock the loan and prepare RESPA. Submit a complete package to UW and work with UW for an expedited final approval. Next step close the loan for a very happy borrower for life.

• Originated at a very high level, reviewed, processed, closed, and administered customer loan proposals.
• Negotiated loan terms to provide favorable outcomes for both customers and lenders.
• Recommended loan approvals and denials based on customer loan application reviews.
• Submitted loan applications to underwriter for verification and recommendations.
• Maintained strict confidentiality of bank records and client information.

• Reviewed and submitted financial documentation and reports to support business financial goals and objectives.
• Performed financial and sales analysis and determined best practices to mitigate risk with customers.
• Analyzed financial statements against forecasts to prepare high-level variance analysis.
• Drove profit increases through market research and strategic asset management to meet dynamic industry conditions.

• Reviewed and submitted financial documentation and reports to support business financial goals and objectives.
• Performed financial and sales analysis and determined best practices to mitigate risk with customers.
• Spearheaded expansion strategies to increase business market share.
• Reported financial figures and projections to comply with company budgetary standards.

* Subprime product line from 2/28 and 3/27 loans to NON QM // Stated Income with Business bank statement loans and many other loans to support the area.

• Engaged employees in business processes with positive motivational techniques.
• Met deadlines by proactively managing individual and team tasks and streamlining processes.
• Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
• Assessed employee performance and developed improvement plans.

• Submitted loan applications to underwriter for verification and recommendations.
• Maintained strict confidentiality of bank records and client information.
• Originated, reviewed, processed, closed, and administered customer loan proposals.
• Worked with NONQM products to support the Dallas Area