Gary Henson
Sr. Mortgage Loan Officer
Summary
Organized Mortgage Loan Officer with 21 years of experience in Mortgage Lending. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations. Intuitive Mortgage Loan Officer with extensive knowledge of Encompass and Point 10.8 and modern mortgaging. Committed to accurate and thorough work to financially benefit all parties. Successful at finding efficient plans and money allocation.
Overview
13
13
years of professional experience
Work History
Sr, Mortgage Loan Officer
One Source Home Mortgage
The Woodlands, TX
03.2020 - Current
- Explained different types of loans pertaining to client situations. Worked with Home Buyers and Home Owners to determine the product that best fit their needs and their budgets. Also , prepared file sto be submitted to processing and underwriting.
Sr. Loan Officer
Everett Financial Inc.
The Woodlands, TX
04.2019 - 03.2020
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Submitted loan applications to underwriter for verification and recommendations.
- Maintained strict confidentiality of bank records and client information.
- Complied with regulatory requirements of Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
- Advised clients on mortgage, education and personal loans.
- Developed and maintained relationships with local real estate agents.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
Sr. Loan Officer
Leader One Financial
The Woodlands, TX
10.2016 - 04.2019
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Submitted loan applications to underwriter for verification and recommendations.
- Maintained strict confidentiality of bank records and client information.
- Complied with regulatory requirements of Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
- Advised clients on mortgage, education and personal loans.
- Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
- Developed and maintained relationships with local real estate agents.
- Developed prospects for new loans by conducting 20 cold calls weekly.
Sr. Mortgage Loan Officer
Academy Mortgage Corporation
The Woodlands, TX
08.2013 - 10.2016
- Explained different types of loans pertaining to client situations.
- Worked with underwriters to fix application problems and resolve issues.
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
- Implemented sales strategies that established relationships with realtors and CPAs.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Explained very technical financial information to applicants in easy to understand language.
- Proactively identified solutions for customers experiencing credit issues.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
Sr, Mortgage Loan Officer
LeaderOne Financial
The Woodlands, TX
09.2009 - 08.2013
Education
No Degree - Accounting Major And Biblical Studies Major
Oral Roberts University
Tulsa, OKSkills
- Wholesale Mortgages
- Community Reinvestment Act
- Loan Processing Coordination
- Sales Development
- Terms Definition
- Referral Network Development
- Payment Schedule Computation
- Application Reviews
- Government Lending
- Credit History Review
- Customer Transactions
- Bankruptcy Processes
- Property Evaluation
- Automated Underwriting Systems
- Product Education
- Mortgage Loan Origination
- Creditworthiness Determination
- Customer Relations
- Loan Feasibility Assessment
- Customer Care
- Client Interviews
- Government Standards
- Home Inspections
- Targeted Marketing Campaigns
- New Business Generation
- Loan Promotion
- Federal Statutes
- Pricing Policies
- Desktop Underwriter
- Calyx Point
- Customer Relationship Management
- Anti Money Laundering (AML)
- Analytical and Critical Thinking
- Nationwide Mortgage Licensing System (NMLS)
- Home Mortgage Disclosure Act
Additional Information
My mortgage lending history goes back to 2001 beginning with Conseco, and when they closed the doors I went to a small broker and then to Wells Fargo, then to Countrywide who was sold to Bank of America. I was at Wells Fargo for nearly 5 years Total time in Industry is 21 years
I have some experience as branch manager and team Leader.
Timeline
Sr, Mortgage Loan Officer
One Source Home Mortgage
03.2020 - Current
Sr. Loan Officer
Everett Financial Inc.
04.2019 - 03.2020
Sr. Loan Officer
Leader One Financial
10.2016 - 04.2019
Sr. Mortgage Loan Officer
Academy Mortgage Corporation
08.2013 - 10.2016
Sr, Mortgage Loan Officer
LeaderOne Financial
09.2009 - 08.2013
No Degree - Accounting Major And Biblical Studies Major
Oral Roberts University