Deborah Owens
Hillsborough,NC
Summary
Accomplished Mortgage Consultant 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. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
26
26
years of professional experience
Work History
Mortgage Consultant
Prosperity Home Mortgage
2018.01 - Current
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Explained different types of loans pertaining to client situations.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Checked loan documents for accuracy prior to closing.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Worked with underwriters to fix application problems and resolve issues.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Developed and maintained relationships with customers, lenders and other third parties.
- Proactively identified solutions for customers experiencing credit issues.
- Explained very technical financial information to applicants in easy to understand language.
- Assisted customers with completing loan applications and other paperwork.
Mortgage Loan Officer
HomeServices Lending
2015.11 - 2017.12
- Worked with underwriters to fix application problems and resolve issues.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Explained different types of loans pertaining to client situations.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Reviewed loan files and updated to match current standards.
- Developed and maintained relationships with customers, lenders and other third parties.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Researched and updated industry knowledge on changing legislation and regulations.
Mortgage Banker
Homeside Financial
2014.04 - 2015.11
- Worked with underwriters to fix application problems and resolve issues.
- Evaluated client financial positions and identified most appropriate banking products.
- Located and pre-qualified customers for mortgages.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Explained different types of loans pertaining to client situations.
- Checked loan documents for accuracy prior to closing.
- Proactively identified solutions for customers experiencing credit issues.
Mortgage Consultant
On Q Financial
2013.04 - 2014.04
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Explained different types of loans pertaining to client situations.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Checked loan documents for accuracy prior to closing.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Worked with underwriters to fix application problems and resolve issues.
- Developed and maintained relationships with customers, lenders and other third parties.
- Proactively identified solutions for customers experiencing credit issues.
Mortgage Consultant
Prime Lending Group
2011.05 - 2013.04
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Explained different types of loans pertaining to client situations.
- Checked loan documents for accuracy prior to closing.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Worked with underwriters to fix application problems and resolve issues.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Developed and maintained relationships with customers, lenders and other third parties.
- Proactively identified solutions for customers experiencing credit issues.
Home Mortgage Consultant
Home Services Lending
2008.02 - 2011.05
- Assessed clients' financial data to determine loan suitability.
- Advised clients on loan process and specialized topics in home purchasing such as [Topic] and [Topic].
- Presented, explained and processed home loan documents such as [Document] and [Document] to borrowers.
- Collaborated with and facilitated communications between borrowers and lenders to obtain ideal loans for home purchases.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Checked loan documents for accuracy prior to closing.
- Explained different types of loans pertaining to client situations.
- Worked with underwriters to fix application problems and resolve issues.
- Developed and maintained relationships with customers, lenders and other third parties.
- Proactively identified solutions for customers experiencing credit issues.
Broker/Owner
Affinity Mortgage Consultants
2002.03 - 2008.02
- Managed day-to-day business operations.
- Consulted with customers to assess needs and propose optimal solutions.
- Trained and motivated employees to perform daily business functions.
- Established foundational processes for business operations.
- Organized and attended trade shows and special events to showcase products, network with other businesses and attract new customers.
- Trained and developed team members to build human capital.
- Developed and implemented marketing strategies to generate new customers and increase sales and profit margins.
- Trained and guided team members to maintain high productivity and performance metrics.
- Trained new employees on proper protocols and customer service standards.
Loan Processor
Oak Tree Mortgage Group
2001.02 - 2002.03
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Set up and completed loan submission packages.
- Utilized loan origination software to process and track loan applications.
- Handled any conditions sent from underwriting departments.
- Provided quick turnaround times to maintain fast-past schedule.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Processed loan applications and monitored progress from start to finish.
Loan Processor
Chapel Hill Mortgage
1997.12 - 2001.02
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Set up and completed loan submission packages.
- Handled any conditions sent from underwriting departments.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Monitored pipelines to track and log status of loans.
Education
Bachelor of Science - Major in Psychology Minor in Sociology
Niagara University
Niagara Falls, NYSkills
- Mortgage Loan Origination
- Community Reinvestment Act
- Pre-Approval Process
- Desktop Underwriting Expertise
- Applicant Counseling
- Mortgage Industry Knowledge
- Networking and Partnership Development
Timeline
Mortgage Consultant
Prosperity Home Mortgage
2018.01 - Current
Mortgage Loan Officer
HomeServices Lending
2015.11 - 2017.12
Mortgage Banker
Homeside Financial
2014.04 - 2015.11
Mortgage Consultant
On Q Financial
2013.04 - 2014.04
Mortgage Consultant
Prime Lending Group
2011.05 - 2013.04
Home Mortgage Consultant
Home Services Lending
2008.02 - 2011.05
Broker/Owner
Affinity Mortgage Consultants
2002.03 - 2008.02
Loan Processor
Oak Tree Mortgage Group
2001.02 - 2002.03
Loan Processor
Chapel Hill Mortgage
1997.12 - 2001.02
Bachelor of Science - Major in Psychology Minor in Sociology
Niagara University
Similar Profiles
Amy LoftusAmy Loftus
Mortgage Consultant at Prosperity Home Mortgage - Edina Realty MortgageMortgage Consultant at Prosperity Home Mortgage - Edina Realty Mortgage
Kevin StrahmKevin Strahm
Senior Mortgage Banker at Prosperity Home MortgageSenior Mortgage Banker at Prosperity Home Mortgage
Bryan ChristiansenBryan Christiansen
Transaction Coordinator at Prosperity Home MortgageTransaction Coordinator at Prosperity Home Mortgage