DENA DOHERTY
Oakley,CALIFORNIA
Summary
Seasoned Manager and Loan Officer with more than 15 years of experience in fast-paced mortgage loan offices. Excellent communication and problem solving skills. Focused on customer service, efficiency and achievement. Goal-oriented multi-tasker who excels as a team leader.
Overview
13
13
years of professional experience
Work History
Mortgage Loan Originator
American Financial Network
Walnut Creek, CA
11.2017 - 03.2018
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Maintained current loan and pricing information on the online banking website.
- Submitted loan applications to the underwriter for verification and recommendations.
- Developed prospects for new loans by marketing, cold calling and networking
- Complied with regulatory requirements, including the Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
- Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
- Developed and maintained relationships with local real estate agents.
- Created reports on deteriorating trends and fiscal year-end losses.
- Reviewed and edited loan agreements to ensure accuracy.
- Maintained strict confidentiality of bank records and client information.
- Recommended loan approvals and denials based on customer loan application reviews.
- Maintained friendly and professional customer interactions.
- Advised clients on mortgage, educational and personal loans.
Mortgage Loan Originator
American Residential Lending
Walnut Creek, CA
03.2017 - 11.2017
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Submitted loan applications to the underwriter for verification and recommendations.
- Complied with regulatory requirements, including the Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
- Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
- Developed and maintained relationships with local real estate agents.
- Maintained strict confidentiality of bank records and client information.
- Recommended loan approvals and denials based on customer loan application reviews.
- Maintained friendly and professional customer interactions.
- Advised clients on mortgage, educational and personal loans.
Associate District Manager
GMAC Mortgage
Brentwood, CA
01.2007 - 09.2007
- Recruited, interviewed and hired new employees.
- Trained, coached and mentored staff to foster their successes.
- Provided on going training and team building courses and exercises.
- Organized and hosted golf tournaments, networking lunches, etc
- Advise Loan Officers on compliance with applicable state codes, laws, regulations, or standards.
- Increased net profits by 75% within first 6 months and maintained steady profit increases until the removal of the mortgage side of GMAC Real Estate in September 2007.
- Contributed ideas to concept development, strategic planning and business operations.
- Tracked expenses with Excel spreadsheets and reported on client budgets.
Mortgage Loan Officer
Bank of America Mortgage
Brentwood, Ca
01.2005 - 12.2006
- Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
- Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
- Meet with applicants to obtain information for loan applications and to answer questions about the process.
- Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
- Review loan agreements to ensure that they are complete and accurate according to policy.
- Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
- Handle customer complaints and take appropriate action to resolve them.
- Set credit policies, credit lines, procedures and standards in conjunction with senior managers.
- Stay abreast of new types of loans and other financial services and products to better meet customers' needs.
- Review and update credit and loan files.
- Submit applications to credit analysts for verification and recommendation.
- Compute payment schedules.
- Confer with underwriters to aid in resolving mortgage application problems.
- Market bank products to individuals and firms, promoting bank services that may meet customers' needs.
- Work with clients to identify their financial goals and to find ways of reaching those goals.
- Negotiate payment arrangements with customers who have delinquent loans.
- Analyze potential loan markets and develop referral networks to locate prospects for loans.
- Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.
Mortgage Loan Officer CMG Mortgage
San Ramon, Ca
05.1999 - 2006
- Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
- Meet with applicants to obtain information for loan applications and to answer questions about the process.
- Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
- Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
- Review loan agreements to ensure that they are complete and accurate according to policy.
- Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
- Handle customer complaints and take appropriate action to resolve them.
- Set credit policies, credit lines, procedures and standards in conjunction with senior managers.
- Stay abreast of new types of loans and other financial services and products to better meet customers' needs.
- Review and update credit and loan files.
- Submit applications to credit analysts for verification and recommendation.
- Compute payment schedules.
- Confer with underwriters to aid in resolving mortgage application problems.
- Market bank products to individuals and firms, promoting bank services that may meet customers' needs.
- Negotiate payment arrangements with customers who have delinquent loans.
- Analyze potential loan markets and develop referral networks to locate prospects for loans.
- Provide special services such as investment banking for clients with more specialized needs.
Education
Mortgage Lending
Allied Real Estate School
Laguna Hills, CA2017
Mortgage Lending and Real Estate
First Tuesday
Riverside, CA2000
Associate of Arts - Early Childhood Education
Diablo Valley College
Pleasant Hill, CA1990
Skills
- DRE NMLS License
- Strong banking ethics
- Goal-oriented
- Proficient in 10-key
- Practiced at FHA loan process
- Complex problem solving
- Experienced in both Mac and Windows operating systems
- Proficient in MS Office programs
- Excellent work ethic
- Self-sufficient
- Superior organization skills
- People-oriented
- Flexible
- Positive attitude
- Team player
Timeline
Mortgage Loan Originator
American Financial Network
11.2017 - 03.2018
Mortgage Loan Originator
American Residential Lending
03.2017 - 11.2017
Associate District Manager
GMAC Mortgage
01.2007 - 09.2007
Mortgage Loan Officer
Bank of America Mortgage
01.2005 - 12.2006
Mortgage Loan Officer CMG Mortgage
05.1999 - 2006
Mortgage Lending
Allied Real Estate School
Mortgage Lending and Real Estate
First Tuesday
Associate of Arts - Early Childhood Education
Diablo Valley College