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
01.2018 - 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
11.2015 - 12.2017
- 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
04.2014 - 11.2015
- 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
04.2013 - 04.2014
- 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
05.2011 - 04.2013
- 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
02.2008 - 05.2011
- 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
03.2002 - 02.2008
- 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
02.2001 - 03.2002
- 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
12.1997 - 02.2001
- 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
01.2018 - Current
Mortgage Loan Officer
HomeServices Lending
11.2015 - 12.2017
Mortgage Banker
Homeside Financial
04.2014 - 11.2015
Mortgage Consultant
On Q Financial
04.2013 - 04.2014
Mortgage Consultant
Prime Lending Group
05.2011 - 04.2013
Home Mortgage Consultant
Home Services Lending
02.2008 - 05.2011
Broker/Owner
Affinity Mortgage Consultants
03.2002 - 02.2008
Loan Processor
Oak Tree Mortgage Group
02.2001 - 03.2002
Loan Processor
Chapel Hill Mortgage
12.1997 - 02.2001
Bachelor of Science - Major in Psychology Minor in Sociology
Niagara University
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