David Ciuclea
Waxhaw,NC
Summary
Dynamic finance professional with a proven track record at BHG Financial, excelling in financial management and customer service. Mastered sales performance optimization, leading teams to surpass benchmarks with an 85%+ pull-through rate. Expert in Microsoft Excel, adept at coaching, and recognized for transforming customer success with innovative loan solutions.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Finance Manager
BHG Financial
Charlotte, NC
11.2024 - Current
- Addressed customer inquiries regarding existing loans and loan applications.
- Analyzed credit histories to assess loan viability.
- Identified and recommended loan packages aligning with client priorities.
- Monitored current lending regulations, industry trends and market rates.
- Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
- Surpassed key performance benchmarks consistently.
- Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
- Designed and proposed loan packages tailored to client needs, offering both consumer and commercial loans.
- Expertise in commercial loan origination, closing, and funding.
BRANCH MANAGER
Knock
Charlotte, NC
09.2022 - 09.2023
- Verify completeness and accuracy of loan agreements in adherence to policies
- Conduct applicant meetings to gather information for loan applications and provide guidance
- Collaborate with internal teams to expedite loan approval processes
- Identify and recommend loan packages aligned with client needs and priorities
- Managed a team of 4 Loan Originators
SENIOR LOAN OFFICER
Movement Mortgage
Fort Mill, SC
11.2021 - 09.2022
- Processed challenging loan applications, including those for first-time borrowers, self-employed applicants, and clients with complex credit histories
- Conducted in-depth financial analysis to assess applicants' suitability for loans
- Resolved inquiries and addressed concerns to facilitate successful loan transactions
- Managed a consistent pipeline of 20+ loans, with an average financing value exceeding 1.5 million dollars
- Maintained a pull-through rate of 85%+ on a month-to-month basis
SENIOR LOAN ORIGINATOR
Cardinal Financial
Charlotte, NC
08.2020 - 11.2021
- Analyzed applicants' financial profiles, credit histories, and property evaluations to determine loan feasibility
- Consistently ranked in the top 5% for monthly fundings and maintained an 85%+ pull-through rate
- Educated clients on various loan products and credit options to facilitate informed decision-making
- Compiled and updated credit and loan files by obtaining necessary financial documents
SENIOR LOAN ORIGINATOR
Roundpoint Mortgage
Fort Mill, SOUTH CAROLINA
07.2019 - 08.2020
- Conducted financial analysis to assess loan applicants' eligibility
- Provided clients with information on loan products and credit options to support their decision-making
- Achieved a monthly pull-through rate of 85%+
- Addressed customer concerns promptly, ensuring their satisfaction
OPERATIONS AND PRODUCT SPECIALIST
Cardinal Financial
Charlotte, NC
07.2016 - 06.2019
- Built relationships with underwriters, processors, and closers to ensure all loans were compliant and closed in a timely manner
- Supporting wholesale Account Executive's and Retail Loan Officer's in system product and guideline knowledge
- Troubleshooting HPML Errors and Warnings
- Troubleshooting LoS Systems issues
- Roll Specific guidance in LoS based on issues that were reported through ticketing system
- Managed a team of 8 Support Specialists and provided guidance and training
Education
ASSOCIATE IN SCIENCE (A.S.) -
Central Piedmont Community College
CharlotteSkills
- Microsoft Excel
- Sales Performance Optimization
- Financial Management
- Multitasking Abilities
- Contract Management
- Performance Evaluation
- Microsoft Office
- Customer Service
- Staff management
- Loans
- Sales Proficiency
- Contact Management Systems
- Customer Success Management
- Coaching and training
- KPI development
- Performance analysis
- Financial budgeting
- Sales process development
Certification
MLO License
Timeline
Finance Manager
BHG Financial
11.2024 - Current
BRANCH MANAGER
Knock
09.2022 - 09.2023
SENIOR LOAN OFFICER
Movement Mortgage
11.2021 - 09.2022
SENIOR LOAN ORIGINATOR
Cardinal Financial
08.2020 - 11.2021
SENIOR LOAN ORIGINATOR
Roundpoint Mortgage
07.2019 - 08.2020
OPERATIONS AND PRODUCT SPECIALIST
Cardinal Financial
07.2016 - 06.2019
MLO License
ASSOCIATE IN SCIENCE (A.S.) -
Central Piedmont Community College
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