Erica Hill West
Lexington,SC
Summary
Innovative and detail-oriented Senior Mortgage Loan Officer successful at improving operations, impacting business growth and enhancing profits. Posses high levels of integrity and accuracy within originating, structuring and closing residential real estate loans as well as developing new business.
Overview
14
14
years of professional experience
Work History
Senior Mortgage Loan Originator
Cardinal Financial
Columbia, SC
08.2022 - Current
- Explained different types of loans pertaining to client situations.
- Worked with underwriters to fix application problems and resolve issues.
- Reviewed loan files and updated to match current standards.
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Explained very technical financial information to applicants in easy to understand language.
- Monitored pipelines to track and log status of loans.
- Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
- Implemented sales strategies that established relationships with realtors and CPAs.
- Assessed employee performance and developed improvement plans.
Senior Mortgage Loan Officer
Lending Path Mortgage
Columbia, SC
05.2016 - 08.2022
- Source and develop loans for all aspects of the market.
- Maximize employer profitability through appropriate pricing of new loan originations and fee income.
- Support employer's strong relationship financial culture through on-going customer contact, quality customer service, and superior product knowledge.
- Manage a team of four Loan Officers and 2 Operational Employees.
- Executive Club Award Recipient for 2016, 2017, 2018 fiscal years.
- Platinum Club Award Recipient for 2019 and 2021 fiscal years.
- Diamond Club Award Recipient for 2021 fiscal year.
- Top Producer Award Recipient for 2016 -2021 fiscal years.
Senior Mortgage Loan Officer
Mortgage Network Inc.
Columbia, SC
08.2013 - 04.2016
- Originated, reviewed, processed, closed and administered customer loan.
- Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
- Developed and maintained relationships with local real estate agents.
- Met with clients to generate new business and negotiate terms of loan.
- Presidential Club Award Recipient for 2013-2015 fiscal years.
Senior Mortgage Loan Officer
Movement Mortgage
Columbia, SC
02.2011 - 07.2013
- Contacted potential clients to pursue sales and gather business.
- Explained different types of loans pertaining to client situations.
- Assessed clients' financial situations to develop strategic financial planning solutions.
- Responsible for obtaining capture rate of 60% within the real estate offices assigned for refferals.
- Circle of Excelence Award Recipient for 2011 and 2012 fiscal years.
Senior Mortgage Loan Officer
Homeowners Mortgage
Columbia, SC
06.2008 - 01.2011
- Responsible for managing the log home division.
- Pulled daily branch reports.
- Sourced and originated mortgages.
- Responsible for increasing company revenue by 32% over 11 month period by selling various refinance products.
- Created strategies to develop and expand existing customer sales.
- Developed prospects for new loans by conducting 65 cold calls weekly.
Education
Bachelor of Arts - Double major in Humanities and Theology; Minor in Biblical Languages
Columbia International University
Columbia, SC2003
Skills
- People-oriented
- Meticulous attention to detail
- Math aptitude
- High level of accuracy
- Analytical thinking
- Financial analysis
- Compliance, banking laws and regulations
- Forward-thinking
- Deadline-driven
- Excellent time management skills
Websites
Timeline
Senior Mortgage Loan Originator
Cardinal Financial
08.2022 - Current
Senior Mortgage Loan Officer
Lending Path Mortgage
05.2016 - 08.2022
Senior Mortgage Loan Officer
Mortgage Network Inc.
08.2013 - 04.2016
Senior Mortgage Loan Officer
Movement Mortgage
02.2011 - 07.2013
Senior Mortgage Loan Officer
Homeowners Mortgage
06.2008 - 01.2011
Bachelor of Arts - Double major in Humanities and Theology; Minor in Biblical Languages
Columbia International University
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