Frank Kotvas
Summary
Talented Sale person with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. Highly skilled Loan Specialist with expertise in data accuracy and security.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Mortgage Loan Officer
Northwest Funding Group Inc
Vancouver, WA
09.2018 - Current
- Conduct pre-qualification interviews with prospective borrowers and analyze financial information to determine their eligibility for various loan programs.
- Build and maintain strong relationships with real estate agents, builders, and other referral sources to generate new business and maintain existing relationships.
- Educate clients on the different loan products available, including FHA, VA, Conventional, and Jumbo loans, and help them choose the best option based on their needs.
- Developed and maintain strong relationships with real estate agents, builders, and other referral sources to generate new business opportunities.
Mortgage Loan Officer
Loandepot
04.2022 - 03.2023
- Developed and implemented marketing campaigns to generate new business opportunities.
- Worked with underwriters to fix application problems and resolve issues.
- Promoted cross-selling opportunities within the organization by identifying additional financial products that would benefit clients beyond their mortgage needs.
Mortgage Underwriter
PacRes Mortgage
08.2016 - 09.2018
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
Education
High School Diploma -
New Milford High School
New Milford, NJ06.1995
Skills
- Proficiency in Microsoft Office, Excel, PowerPoint, Teams and Outlook
- Experience utilizing CRM software, specifically saleforce
- A problem solver who quickly grasps complex situations and turns them into manageable tasks
- Produce quality work even when under extreme time pressure and deadlines
- Proven ability to understand and follow complex instructions to successful conclusions
Certification
- · MNLS Federally Licensed
- · MNLS Licensed in AZ, CA, OR and WA
Timeline
Mortgage Loan Officer
Loandepot
04.2022 - 03.2023
Mortgage Loan Officer
Northwest Funding Group Inc
09.2018 - Current
Mortgage Underwriter
PacRes Mortgage
08.2016 - 09.2018
High School Diploma -
New Milford High School
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