Debora Onisick
Levittown,PA
Summary
Manages high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills.
Overview
24
24
years of professional experience
Work History
LOAN ORIGINATOR
MEMBER FIRST MORTGAGE
Grand Rapids, MI
08.2020 - 04.2024
- Conducted thorough borrower assessments to determine appropriate loan products based on individual needs and qualifications.
- Collaborated with internal teams to ensure seamless coordination during the entire loan origination process.
- Negotiated favorable terms and conditions for clients, ensuring the best possible mortgage options.
- Reviewed credit reports and financial statements to accurately assess risk factors before submitting loans for approval.
- Participated in ongoing training sessions to stay current on industry trends, lending guidelines, and product offerings.
- Worked closely with processors and underwriters to expedite the approval of loans while maintaining high-quality standards.
- Enhanced customer satisfaction through prompt communication and timely resolution of inquiries and concerns.
- Provided exceptional customer service throughout the entire loan process, resulting in repeat business and positive client reviews.
- Interviewed applicants to assess loan requirements before suggesting offers.
- Maintained up-to-date knowledge of lending regulations, ensuring compliance in all transactions.
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
MORTGAGE LOAN ORIGINATOR
FIRST HERITAGE FINANCIAL, LLC
06.2008 - 07.2020
- Receive incoming mortgage applications of up to 5-10 per day
- Review applications with the borrowers to select the appropriate loan program
- Pre-qualify borrowers for purchase pre-approval
- Quote current interest rates
- Complete loan application
- Communicate AUS decision with member and required conditions
- Gather and sort information from member
- Submit completed loan application to underwriting
- Communicate with member throughout the underwriting process
- Manage pipeline daily, follow up on active loans
- Maintain monthly closing goal of $3.21 million.
WHOLESALE ACCOUNT EXECUTIVE
COUNTRYWIDE HOME LOANS
01.2000 - 01.2008
- Cultivation and maintenance of account relationships between wholesale brokers, and for the purpose of acquiring mortgage loans
- Maintain correspondent files relating to licenses, financial statements and production reports
- Review and report monthly business flow to senior management
- Primarily responsible for customer relationships with departmental personnel
- Solicit new and existing relationships for increased loan business
- Consistently in the top five for revenue generated for the Northeast Region
- Consistently in the top 3 for volume and units in the Trevose branch.
Education
High School Diploma -
Neshaminy High School
Langhorne, PA1987
Skills
- Underwriting guidelines
- Loan structuring
- Goal-Oriented
- Document Review
- Pipeline Management
- Loan Processing
- Team Player
- Market Knowledge
- Friendly
- Client Relations
Awards
- Countrywide Platinum Producer Circle 2003
- 2004
- 2005
- 2006
- 2007
References
Furnished upon request
Timeline
LOAN ORIGINATOR
MEMBER FIRST MORTGAGE
08.2020 - 04.2024
MORTGAGE LOAN ORIGINATOR
FIRST HERITAGE FINANCIAL, LLC
06.2008 - 07.2020
WHOLESALE ACCOUNT EXECUTIVE
COUNTRYWIDE HOME LOANS
01.2000 - 01.2008
High School Diploma -
Neshaminy High School
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