Frank Miceli
Simi Valley,CA
Summary
Driven Loan Officer with track record in mortgage and home lending product sales. Demonstrating strong interpersonal skills and exceptional service throughout sales process.
Professional with strong background in financial services, skilled in loan origination, underwriting, and credit analysis. Known for fostering team collaboration and delivering results in dynamic environments. Adept at building client relationships, ensuring compliance with regulations, and utilizing financial software tools. Reliable and adaptable, excels in meeting changing needs and achieving organizational goals.
Personable and dedicated with genuine passion for helping clients navigate financial options. Possesses understanding of loan processing and credit analysis, combined with proficiency in data management and financial software. Committed to delivering tailored financial solutions that drive positive client outcomes.
Overview
29
29
years of professional experience
Work History
Senior Loan Officer
VINTAGE LENDING
01.2024 - Current
- Source, negotiate, and expedite loans for each customer with the appropriate loan program by assessing his or her needs and to minimize risk
- Structure transactions and assist clients in loan lifecycle, from pre-approval to loan closure
- Manage portfolios of new and existing clients through self-promotion, marketing, and follow-up
- Collaborate with loan processor, underwriter, and Operational Manager to gather requirements, eliminate roadblocks to close loans
- Mentored junior loan officers, sharing expertise and knowledge to improve overall team performance.
- Provided exceptional customer service during loan origination, addressing client concerns and ensuring a smooth process from start to finish.
- Building new business channels by cultivating a referral base of realtors, devoice attorneys, financial planner and accountants
- Developed strong relationships with borrowers, resulting in high levels of customer satisfaction and repeat business.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Collaborated with underwriting team to expedite loan processing times and ensure timely closings for clients.
- Submitted loan applications to underwriter for verification and recommendations.
Pre-Need Counselor
HOMESTEADERS LIFE COMPANY
01.2023 - Current
- Meet with client families at the time of need or on a pre-need basis to ensure that they are presented with all options pertaining to interment, cemetery property and related merchandise and services
- Educated clients on available community resources, fostering a sense of empowerment and selfsufficiency.
- Developed individualized counseling plans for clients to incorporate short-term and long-term goals.
- Improved client satisfaction through consistent communication, empathy, and understanding of their unique challenges.
Senior Loan Officer
ALLIANCE WEST MORTGAGE
01.2016 - 01.2023
- Sourced, negotiated, and expedited loans for each customer with the appropriate loan program by assessing his or her needs and to minimize risk
- Structured transactions and assist clients in loan lifecycle, from pre-approval to loan closure
- Managed portfolios of new and existing clients through self-promotion, marketing, and follow-up
- Collaborated with loan processor, underwriter, and Operational Manager to gather requirements, eliminate roadblocks to close loans
- Exceeded sales goals 4 consecutive years though building new business channels by cultivating a referral base of Realtors, Attorneys, and Accountants
- Managed a diverse portfolio of loans while maintaining low default rates through careful risk assessment and proactive borrower support.
- Increased mortgage revenue by developing targeted marketing campaigns aimed at specific customer segments.
- Established a reputation as an expert in various loan programs, becoming a trusted resource for colleagues and clients alike.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Recognized for thoroughly superior customer consultation seeing customer retention rate rise five-fold
- Collaborated with underwriting team to expedite loan processing times and ensure timely closings for clients.
- Submitted loan applications to underwriter for verification and recommendations.
Senior Loan Officer
PROVIDENT BANK MORTGAGE
01.2014 - 01.2016
- Sourced, negotiated, and expedited loans for each customer with the appropriate loan program by assessing his or her needs and to minimize risk
- Structured transactions and assist clients in loan lifecycle, from pre-approval to loan closure
- Managed portfolios of new and existing clients through self-promotion, marketing, and follow-up
- Collaborated with loan processors, underwriters, and Operational Managers to gather requirements, eliminate roadblocks to close loans
- Collaborated with underwriting team to expedite loan processing times and ensure timely closings for clients.
- Submitted loan applications to underwriters for verification and recommendations.
- Exceeded sales goals 4 consecutive years though building new business channels by cultivating a referral base of Realtors, Attorneys, and Accountants
- Managed a diverse portfolio of loans while maintaining low default rates through careful risk assessment and proactive borrower support.
- Successfully managed high-volume pipeline of loans, consistently meeting or exceeding monthly sales targets.
- Recognized for thoroughly superior customer consultation seeing customer retention rate rise five-fold
Senior Loan Officer
KINECTA FEDERAL CREDIT UNION
01.2011 - 01.2014
- Recognized for thoroughly superior customer consultation seeing customer retention rate rise five-fold
- Submitted loan applications to underwriter for verification and recommendations.
- Collaborated with underwriting team to expedite loan processing times and ensure timely closings for clients.
- Developed strong relationships with borrowers, resulting in high levels of customer satisfaction and repeat business.
- Cultivated referral network with real estate agents, builders, and other professionals to generate new business leads.
- Successfully managed high-volume pipeline of loans, consistently meeting or exceeding monthly sales targets.
Realtor
TROOP REAL ESTATE, INC.
01.2010 - 01.2011
- Act as an intermediary in negotiations between buyers and sellers through written contracts; oversee necessary repairs and maintenance, promote sales of properties thought advertisements, open houses, and participation in Multiple Listing Services (MLS)
- Built lasting relationships with clients through excellent communication, personalized service, and dedication to their needs.
- Coordinated various aspects of real estate transactions such as inspections, appraisals, and financing arrangements, minimizing delays and challenges for clients.
- Delivered exceptional customer service by addressing client concerns promptly and professionally throughout the entire transaction process.
- Collaborated with other agents to ensure timely closings and successful transactions for all parties involved.
- Generated leads for potential buyers and sellers by hosting open houses, conducting market analysis, and networking within the community.
- Ensured compliance with federal/state laws regulating real estate transactions.
Senior Loan Officer
WESTERN PACIFIC MORTGAGE CORP.
01.2002 - 01.2010
- Recognized for thoroughly superior customer consultation seeing customer retention rate rise five-fold
- Developed strong relationships with borrowers, resulting in high levels of customer satisfaction and repeat business.
- Cultivated referral network with real estate agents, builders, and other professionals to generate new business leads.
- Mentored junior loan officers, sharing expertise and knowledge to improve overall team performance.
- Collaborated with other departments to promptly process loan applications.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Collaborated with underwriting team to expedite loan processing times and ensure timely closings for clients.
- Submitted loan applications to underwriter for verification and recommendations.
Store Manager
PUBLIC STORAGE INCORPORATED
01.1996 - 01.2001
- Managed daily retail operations of storage facility, truck rentals and sales of storage supplies
- Managed and scheduled employees, performed monthly audits for multi locations, storage contract executions, financial reporting, P & L monthly reporting, budget compliance, employee trainings, met CAL-OSHA & Transportation Department requirements
- Managed inventory control, cash control, and store opening and closing procedures.
- Addressed customer complaints promptly and professionally, resolving issues to maintain positive relationships with clientele.
- Exceeded store sales quota 7 consecutive quarters earning praise for innovative spreadsheet strategy
- Tabbed Operations Leader for complete creation of 2 new stores - pre-planning through grand openings
- Managed store employees successfully in fast-paced environment through proactive communication and positive feedback.
- Assisted with hiring, training and mentoring new staff members.
- Managed daily operations to ensure smooth functioning of the store, maintaining a clean, safe environment for customers and employees.
Delinquent Tenant Manager
PUBLIC STORAGE INCORPORATED
01.1996 - 01.2001
- Supervised 100 managers of 42 Public Storage properties throughout Los Angeles and Ventura counties
- Controlled costs to keep business operating within budget and increase profits.
- Negotiated with delinquent tenants to vacate premises
- Conducted auction sales of unclaimed merchandise
- Routinely partnered with corporate attorneys and outside law firms regarding tenant claims and law sites.
- Resolved staff member conflicts, actively listening to concerns and finding appropriate middle ground.
- Accomplished multiple tasks within established timeframes.
- Created innovative methods to collect past due rents and fees from delinquent customers, which increased revenues for all 42 locations for 18 consecutive months, resulted in 1.7 million gain for the company
- Organized. write and executed newspaper advertising which increased auction attendance and sales
- Managed and motivated employees to be productive and engaged in work.
- Won 90% approval rating of property District Managers and Vice President earning formal company recognition award
- Managed and oversaw all 42 Storage locations legal foreclosure process to auction, saving the company thousands of dollars through consistent review of paperwork
Sales Storage Consultant
PUBLIC STORAGE INCORPORATED
01.1996 - 01.2001
- Communicated with customers via telephone regarding storage needs: units, trucks, and supplies
- Conducted new hire orientation sessions
- Managed computer database
- Closed average 60 of 100 daily solicitations over one year leading to top 5% of workforce ranking
- Garred rating of 'Superior' by customer surveys citing pleasant professional demeanor as key
Education
Bachelor of Arts - Communications and Marketing
California State University, Northridge
Northridge, CAProject Management Certification - Project Management
Redlands University
Burbank, CACertificate - Real Estate- Appraisal Management
California State University, Northridge
NorthridgeSkills
- Project Performance & Budget Analysis
- Strategic Planning
- High Net Worth Clients
- Client Relation
- Workflow Process Analysis
- Risk Management
- Quality Control
- Project Planning
- Counseling
- Complex Problem-solving
- Mortgage underwriting expertise
- Strong negotiation skills
- Customer service management
- Continuous learning commitment
- Customer relationship management (CRM)
- Friendly and positive
- Outstanding communication skills
- Credit analysis proficiency
- Property management
- Inventory management
- Store merchandising
- Problem-solving capacity
- Sales management
- Leasing and sales
- Marketing management
- Team building and leadership
- Contract management
- Real estate law
- Loan origination
- Loan processing
- Lead generation
- Appraisals
- Banking
- Critical thinking
- Sales professional
- Mortgage lending
- Sales presentations
- Reliable
- Active listening
- Professionalism
- Excellent communicator
- Notary public
- Problem-solving
- Attention to detail
- Organizational skills
- Client Staff/Training
- Business Development
- Team Building
- Communication
- Presentation
- Negotiation
- Decisive Decision Making
- Motivation
- Accountable
- Forecasting & Budgeting
- Performance Oriented
- Finance
- Multicultural Interaction
- Contract negotiation
- Customer relations
- Time management efficiency
- Skilled in intake interviewing
Professional Licenses
- Real Estate License, #011559065
- NMLS License, #828447
- Accident, Life & Health License, #523425
- Notary Public Commission, #2444433
Timeline
Senior Loan Officer
VINTAGE LENDING
01.2024 - Current
Pre-Need Counselor
HOMESTEADERS LIFE COMPANY
01.2023 - Current
Senior Loan Officer
ALLIANCE WEST MORTGAGE
01.2016 - 01.2023
Senior Loan Officer
PROVIDENT BANK MORTGAGE
01.2014 - 01.2016
Senior Loan Officer
KINECTA FEDERAL CREDIT UNION
01.2011 - 01.2014
Realtor
TROOP REAL ESTATE, INC.
01.2010 - 01.2011
Senior Loan Officer
WESTERN PACIFIC MORTGAGE CORP.
01.2002 - 01.2010
Store Manager
PUBLIC STORAGE INCORPORATED
01.1996 - 01.2001
Delinquent Tenant Manager
PUBLIC STORAGE INCORPORATED
01.1996 - 01.2001
Sales Storage Consultant
PUBLIC STORAGE INCORPORATED
01.1996 - 01.2001
Bachelor of Arts - Communications and Marketing
California State University, Northridge
Project Management Certification - Project Management
Redlands University
Certificate - Real Estate- Appraisal Management
California State University, Northridge
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