Ellen Petersen
Charlotte,NC
Summary
Dynamic Licensed Mortgage Loan Originator with a results-driven approach at NACA, excelling in credit analysis and regulatory compliance. Proven track record of enhancing loan approval rates and fostering strong client relationships. Adept at navigating complex financial scenarios while providing exceptional customer service, ensuring client satisfaction throughout the mortgage process.
Self-driven mortgage professional with strong track record in navigating complex financial transactions and delivering exceptional client experiences. Proven ability to collaborate effectively with team members, adapt to evolving industry standards, and consistently achieve desired outcomes. Equipped with skills in loan origination, financial analysis, and regulatory compliance, ensuring seamless, efficient processes and high client satisfaction.
Experienced with mortgage loan origination, client consultations, and financial assessments. Utilizes industry knowledge to navigate regulatory requirements and secure favorable loan terms. Track record of building client trust and ensuring seamless loan processing.
Mortgage lending professional prepared to drive results in client-centric environments. Extensive experience in loan origination and fostering strong client relationships. Known for team collaboration and adaptability to changing market conditions. Proficient in financial analysis, regulatory compliance, and risk assessment.
Overview
29
29
years of professional experience
1
1
Certification
Work History
Licensed Mortgage Loan Originator
NACA
07.2021 - Current
- Analyzed market trends to remain competitive in the ever-changing mortgage industry landscape successfully adapting sales strategies when necessary.
- Remained up-to-date on industry regulations, guidelines, and loan program changes by attending relevant training sessions and webinars regularly.
- Assisted in refining company policies and procedures related to mortgage lending operations to increase overall efficiency.
- Educated prospective borrowers on various loan programs available, matching them with the best financing options for their needs.
- Conducted thorough pre-qualification assessments before initiating the loan application process saving time for both clients and colleagues alike.
- Maintained compliance with federal and state regulations, ensuring accurate documentation and preventing potential legal issues.
- Reviewed complex financial documents to accurately determine borrower eligibility for mortgage loans, minimizing default risks.
- Offered guidance to junior team members on navigating complex loan scenarios, fostering a collaborative work environment that prioritized client success.
- Maintained a comprehensive understanding of various mortgage products offered including conventional, FHA, VA, USDA loans as well as refinance options.
- Enhanced customer satisfaction by providing timely updates on loan status and addressing inquiries or concerns promptly.
- Developed strong relationships with realtors, builders, and other referral sources to grow business opportunities and expand clientele.
- Participated in community events and networking activities to promote the company''s brand presence and generate new business leads.
- Fostered a professional and supportive work environment within the team by sharing industry knowledge and best practices regularly.
- Streamlined mortgage loan processing for quicker approvals through effective communication with underwriters, borrowers, and real estate agents.
- Collaborated with loan processors to expedite the closing process, allowing clients to move into their homes sooner.
- Utilized modern technology platforms to manage client information securely while maintaining strict confidentiality standards required by law.
- Increased loan application approval rates by efficiently evaluating borrower creditworthiness and financial stability.
- Provided exceptional customer service throughout the entire loan process, earning positive reviews from both clients and partners alike.
Warehouse Worker
McKesson
05.2021 - 07.2021
- Loaded, unloaded, and moved material to and from storage and production areas.
- Consistently lifted materials weighing as much as 50pounds.
- Enhanced warehouse efficiency by implementing effective inventory management and organization systems.
- Maximized available storage space by utilizing vertical stacking techniques when arranging inventory items.
- Maintained clean workspaces by enforcing strict housekeeping guidelines for storage areas, dock bays, and equipment zones.
- Reduced order processing times with streamlined picking, packing, and shipping procedures.
Receiving Lead
Target
01.2018 - 05.2021
- Trained new team members on company procedures, ensuring quick integration and productivity.
- Led a team of receivers, delegating tasks effectively to maintain smooth operations and meet deadlines.
- Resolved discrepancies in shipment deliveries, maintaining accurate records and preventing errors.
- Enhanced warehouse efficiency by implementing new receiving processes and procedures.
- Reviewed purchase orders to verify accuracy, addressing any discrepancies before processing shipments.
- Managed the scheduling of incoming shipments, optimizing workflow and maintaining a balanced workload for staff members.
- Streamlined inventory management for improved accuracy and reduced product loss.
Sales Associate
The Home Depot Inc
10.2016 - 03.2018
- Organized racks and shelves to maintain store visual appeal, engage customers, and promote specific merchandise.
- Handled cash transactions efficiently while adhering to company cash handling policies, ensuring accuracy in all financial exchanges.
- Built relationships with customers to encourage repeat business.
- Managed returns, exchanges and refunds in accordance with store policy.
- Maintained calm demeanor and professionally managed issues in busy, high-stress situations.
- Prepared merchandise for sales floor by pricing or tagging.
- Helped customers locate products and checked store system for merchandise at other sites.
- Answered customer questions about sizing, accessories, and merchandise care.
Receiving Supervisor
The Home Depot Inc
02.2010 - 10.2016
- Ensured safe working environment by enforcing safety protocols, leading toolbox talks, and providing necessary personal protective equipment.
- Directed and coordinated roles and responsibilities of receiving floor staff with efficiency and intelligence.
- Facilitated seamless communication between management and team members by conducting regular meetings, addressing concerns and providing updates on department initiatives.
- Improved warehouse efficiency by streamlining receiving processes and implementing best practices.
- Provided training to new team members, ensuring quick integration into daily operations and adherence to company policies.
- Increased accuracy in shipments received, verifying quantities against purchase orders and invoices.
- Oversaw returns processing, ensuring accurate documentation and timely return of damaged or incorrect items to suppliers.
- Conducted employee training and onboarding processes with strategic goals in mind.
- Kept detailed records of product influx and inventory for monthly, quarterly and yearly reports.
- Streamlined documentation procedures for inbound shipments, reducing errors in record-keeping while maintaining compliance with regulatory requirements.
- Optimized space utilization in the warehouse by reorganizing storage layouts based on product turnover rates.
- Troubleshot issues related to receiving hardware/software systems, liaising with IT personnel to resolve problems in a timely manner.
- Contributed to cost reduction efforts by identifying opportunities for consolidation of shipments from multiple suppliers.
- Enhanced team productivity with effective delegation of tasks and consistent follow-up on progress.
- Handled high-volume paperwork and collaborated with administrators to resolve invoicing and shipping problems.
- Received incoming shipments, compared contents against associated records and transmitted to proper department.
- Used pallet jacks and dollies to load and unloaded goods from trucks and containers.
- Operated equipment such as forklifts and balers to move outgoing shipments to loading area.
- Completed basic mathematical calculations to check weights and dimensions of shipments.
- Communicated with vendors and suppliers to verify timely delivery of goods.
- Packaged goods in safe containers to prepare for shipping, adhering to packaging protocols.
- Trained new staff on job duties, company policies, and safety procedures for rapid onboarding.
- Supervised team of helpers, laborers and material movers to efficiently complete tasks.
- Trained new team members on proper and safe use of tools and equipment.
- Maintained accurate records of team attendance and documented disciplinary actions.
- Evaluated team performance and provided feedback on areas requiring improvement.
Postmaster
US Post Office
10.1996 - 03.2009
- Assisted customers in determining proper postal service to align with individual needs.
- Managed all aspects of post office staffing, including hiring, training, scheduling, and performance management to ensure a high-performing team.
- Maintained a clean and organized post office environment, ensuring smooth daily operations and optimal working conditions for employees.
- Monitored inventory levels to ensure adequate supplies were available for daily operations while minimizing waste from overstocking items.
- Conducted periodic audits of financial records to maintain accuracy, transparency, and adherence to budgetary guidelines.
- Collaborated with other postmasters in the region to share best practices, enhancing overall postal service quality.
- Ensured compliance with USPS regulations by regularly reviewing policies and procedures, maintaining up-to-date knowledge on relevant changes.
- Oversaw the successful integration of new technology into daily routines, increasing efficiency and accuracy of mail processing.
- Enhanced customer satisfaction with prompt responses to inquiries and timely issue resolution.
- Facilitated effective communication between staff members by holding regular meetings and encouraging open dialogue on workplace issues or suggestions for improvement.
- Managed flow, operations and management services for over 1200 daily post office visitors.
- Implemented environmentally friendly practices within the post office operations, reducing waste output and encouraging sustainable habits among staff.
- Improved mail delivery efficiency by implementing innovative sorting and distribution processes.
- Coordinated with law enforcement agencies to address any security concerns or incidents involving the post office, ensuring a safe environment for employees and customers.
- Developed and maintained detailed reports of all post office activities using Microsoft Office Suite.
- Implemented cost-saving measures that reduced operational expenses without compromising service levels or employee satisfaction.
- Reduced wait times for customers through efficient queue management strategies during peak hours.
- Boosted workplace morale through the implementation of employee recognition programs and regular team-building activities.
- Maintained 99% accuracy through closely auditing and reviewing SHPEG documents.
Education
Bachelor of Arts - Psychology
Argosy University
Phoenix, AZ10-2013
Master of Science - Human Services Administration
Argosy University
Phoenix, AZ02-2015
Skills
- Loan origination proficiency
- Results-driven approach
- Proficient in prioritizing tasks
- Negotiation techniques
- Risk assessment
- Credit analysis proficiency
- Data entry efficiency
- Regulatory compliance
- Financial analysis
- Documentation management
- Underwriting principles
- Loan processing
- Residential mortgage lending regulations
- Goal oriented
- Document analysis
- Document review
- Licensed mortgage loan originator
- Strong sales skills
Certification
HUD Housing Counselor Certification.
NMLS #2495586
License # I-218138
MLO Licensed in Maryland
MLO Licensed in New Jersey
MLO Licensed in New York
MLO Licensed in Tennessee
MLO Licensed in North Carolina
MLO Licensed in South Carolina
MLO Licensed in Virginia
MLO Licensed in Georgia
MLO Licensed in Alabama
MLO Licensed in Texas
Timeline
Licensed Mortgage Loan Originator
NACA
07.2021 - Current
Warehouse Worker
McKesson
05.2021 - 07.2021
Receiving Lead
Target
01.2018 - 05.2021
Sales Associate
The Home Depot Inc
10.2016 - 03.2018
Receiving Supervisor
The Home Depot Inc
02.2010 - 10.2016
Postmaster
US Post Office
10.1996 - 03.2009
Bachelor of Arts - Psychology
Argosy University
Master of Science - Human Services Administration
Argosy University