EDWARD MORRIS
Saint Augustine,US
Summary
History of providing exceptional customer service in the mortgage financing industry by meeting potential homebuyers, learning their home financing goals and preferences, and counseling them on specific program options available. Maintain close contact with all parties involved in the lending process (i.e., lender, underwriter, attorney, title insurance company, homeowner insurance company) to ensure successful outcomes for the client and keep the client up to date and informed as the process evolves. Provide recommendations to clients to improve their financial situation if they do not currently qualify in the hopes that they may be eligible in the near future.
Overview
20
20
years of professional experience
Work History
Sr. Mortgage Originator
Top Vine Mortgage, LLC
05.2020 - Current
- Meet with new mortgage clients and input data into Encompass processing software, run and review credit reports, review income and assets, calculate DTI & LTV, provide pre-approval letter when appropriate
- Regular interaction with mortgage processors, title companies, attorneys, underwriters, and closers to confirm all files are moving toward closing
- In touch with mortgage clients; collect conditions for submission to processor and underwriter
- Originate and process new residential mortgage purchase and refinance requests
- Responsible for all activities required to complete the mortgage transaction, including accepting the mortgage application from the client, submitting files to an underwriter for review and approval, clearing any underwriter conditions, and coordinating the closing date with all parties
Shuttle Bus Driver
Old Town Connect
03.2024 - Current
- Point person for potential riders to contact the shuttle bus firm and request transportation to their desired location
- Drive a 12-seat shuttle bus in downtown St Augustine to hotels and resorts in St Augustine Beach
- Pick up riders from their requested starting location
- Count, account for, and balance fares paid for by each rider by cash, credit card, or financial application such as Venmo and CashApp
- Provide outstanding customer service by interacting with the riders to guide them to their destination, as many riders are tourists and unfamiliar with the area
- Ensure the bus is properly cleaned at the end of shift, reporting and logging any needed repairs and maintenance to owner
Count Team
Best Bet
08.2022 - 01.2023
- Manually counted and balanced total poker chips received from the facilities' activities from the previous day.
- Worked with 2-4 count team members each day to complete the counting, balancing, and reconciling process according to State of Florida gaming licensing requirements
- Completed paper documentation to submit to the vault manager to complete the daily count
Mortgage Advisor
Weichert Financial Services
03.2018 - 05.2020
- Assigned to three fast-paced full-service Real Estate Brokerage offices offering in-house financing services and staffed with over 100 Real Estate Agents
- Daily contact with numerous Real Estate Agents and kept them up to date with mortgage industry news and trends
- Kept clients informed regularly on the progress of their loan application; collected conditions for submission to processor and underwriter
- Met with Branch Managers and helped create strategies to encourage independently licensed
Founder/President/Managing Member
HomeFirst Mortgage Services, LLC
05.2006 - 03.2018
- Responsible for day-to-day operations of mortgage brokerage firm originating loans in New Jersey, Pennsylvania and Florida.
- Communicated daily with all individuals involved in mortgage processing and closing, including clients, attorneys, title companies, realtors, lenders, underwriters, insurance companies
- Managed staff of 25 Loan Originators and kept them informed with ever-changing mortgage lending guidelines and industry issues
- Confirmed that clients have provided all necessary documents for the timely submission of mortgage applications to an underwriter for review and approval
- Filed required monthly, quarterly, and annual mortgage origination reports with the states of NJ, PA and FL
- Established, cultivated, and maintained relationships with numerous nationwide mortgage lenders, allowing the company to sell loans to lender
Education
Bachelor of Arts Degree - Communications
Rutgers University
New Brunswick, NJSkills
- Advanced-level user of FNMA Desktop Underwriter and FHLMC Loan Prospector software products
- Effective time management skills
- FNMA/FHLMC/FHA/VA/USDA loan expert
- Outstanding customer service
- Regulatory Reporting and Compliance
- Team Management skills
- Experience with QuickBooks financial software
- Relationship Development
Timeline
Shuttle Bus Driver
Old Town Connect
03.2024 - Current
Count Team
Best Bet
08.2022 - 01.2023
Sr. Mortgage Originator
Top Vine Mortgage, LLC
05.2020 - Current
Mortgage Advisor
Weichert Financial Services
03.2018 - 05.2020
Founder/President/Managing Member
HomeFirst Mortgage Services, LLC
05.2006 - 03.2018
Bachelor of Arts Degree - Communications
Rutgers University