Derek Emerson
Lynnwood,WA
Summary
Detail oriented mortgage loan officer with over 10 years industry experience. Adept at planning working with clients and negotiating loan terms. Committed to accuracy and customer satisfaction.
Overview
10
10
years of professional experience
Work History
Private Mortgage Banker
Wells Fargo
06.2022 - Current
- 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.
- Proficient with lending guidelines such as; Conventional, FHA, VA, USDA, Jumbo & Non QM and Portfolio loans.
- Highly skilled in calculating complex income structures to determine eligibility.
- Developed and maintained a pipeline on mortgage loans and met sales quotas
- Developed extensive network of referral partners to source new mortgage loan opportunities.
Mortgage Loan Officer
Movement Mortgage
02.2019 - 06.2022
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Developed and implemented marketing campaigns to generate new business opportunities with referral partners.
- Negotiated loan terms and conditions with customers in competitive situations.
- Communicated with clients, processors and underwriters to approve files in a timely manner.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
Mortgage Loan Originator
Eagle Home Mortgage, LLC
01.2018 - 02.2019
- Responsible for selling, negotiating and originating mortgage loans.
- Proficient with lending guidelines such as; Conventional, VA, FHA, USDA, Jumbo and Non QM
- Identified customers financial needs and structured mortgage loans accordingly.
- Proficient with calculating complex income structures to determine customer's eligibility.
- Prepared documents for customers, submitting and overseeing through each step of closing process.
- Interviewed applicants to assess loan requirements before suggesting offers.
Mortgage Loan Officer
HomeStreet Bank
04.2013 - 01.2018
- Worked in a high volume call center environment.
- Responsibilities included; answering loan servicing questions, identifying customer needs, converting leads to refinance and purchase loan opportunities.
- Managed sales quotas with a strong focus on communication and customer service.
- Maintained a large pipeline of loans and worked with processing and a loan officer assistant to assist customers.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Processed loan applications and monitored progress from start to finish.
Education
Some College (No Degree) - Business
Washington State University
Pullman, WAHigh School Diploma -
O'Dea High School
Seattle, WA06.2004
Skills
- Analytical and Critical Thinking
- Complex Problem-Solving
- Negotiating tactics
- Sales Development and Lead Generation
- Strong Communication skills
- Attention to Detail
Timeline
Private Mortgage Banker
Wells Fargo
06.2022 - Current
Mortgage Loan Officer
Movement Mortgage
02.2019 - 06.2022
Mortgage Loan Originator
Eagle Home Mortgage, LLC
01.2018 - 02.2019
Mortgage Loan Officer
HomeStreet Bank
04.2013 - 01.2018
Some College (No Degree) - Business
Washington State University
High School Diploma -
O'Dea High School