GINNY K HALPIN
Scottsdale,AZ
Summary
Production partner driven to succeed to a higher level of sales with strategic planning and client relationship building. Highly driven and results oriented professional with 29 years in the mortgage industry.
Overview
25
25
years of professional experience
Work History
Experience Senior Mortgage Consultant
Cross Country Mortgage LLC
2018.11 - 2022.03
- Planned and executed client meetings for loan applications and closings
- Preapproved loans using credit reports and income analysis
- Maintained relationships with escrow, title and mortgage insurance companies
- 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.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Monitored pipelines to track and log status of loans.
- Explained very technical financial information to applicants in easy to understand language.
Production Partner
RPM Mortgage
2016.08 - 2018.04
- Increased team sales
- Monitored multiple databases to keep track of all client information
- Successfully led key projects which resulted in higher sales
- Effectively maintained confidential information for general client lists
- Preapproved loans with credit and income analysis
- Maintained relationships with clients, realtors and sales reps
- Managed core team
Senior Mortgage Consultant
APM Mortgage
2013.09 - 2016.08
- Planned and executed client meetings for loan applications and closings
- Preapproved loans using credit reports and income analysis
- Maintained relationships with escrow, title and mortgage insurance companies
Senior Mortgage Consultant
Mortgage Advisory Group
2009.09 - 2013.09
- Planned and executed client meetings for loan applications and closings
- Preapproved loans using credit reports and income analysis Maintained relationships with escrow, title and mortgage insurance companies
- 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.
- Fielded customer complaints and provided solutions.
- 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.
- Monitored pipelines to track and log status of loans.
- Explained very technical financial information to applicants in easy to understand language.
- Proactively identified solutions for customers experiencing credit issues.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
Branch Loan Officer
Clarion Mortgage
2005.05 - 2009.08
- Submitted loan applications to underwriter for verification and recommendations.
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Recommended loan approvals and denials based on customer loan application reviews.
- Maintained strict confidentiality of bank records and client information.
- 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.
- Closely monitored performance of current portfolio of specialty loans and made changes to achieve performance targets.
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent and skill set.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Monitored pipelines to track and log status of loans.
- Proactively identified solutions for customers experiencing credit issues.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Trained employees on proper procedures and strategies to improve productivity.
- Maintained scheduling for main branch to keep shifts appropriately staffed.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring and termination processes and coaching employees on company protocol and payroll operations.
- Engaged employees in business processes with positive motivational techniques.
- Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
- Submitted loan applications to loan underwriter for verification and recommendation.
Mortgage Loan Officer
Financial Edge Mortgage
1997.06 - 2005.05
- Worked with underwriters to fix application problems and resolve issues.
- Reviewed loan files and updated to match current standards.
- Explained different types of loans pertaining to client situations.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Proactively identified solutions for customers experiencing credit issues.
Education
Bachelors - Economics
Washington State University
05.1993
Skills
- Analysis of loan applications
- Ability to preapprove borrowers for mortgage financing
- Price and lock loans borrowers during loan process
- Lead team with daily team Management of files from loan
- Manage pipeline from application to closing
- Analyze borrower income
- Knowledge of conforming, jumbo, FHA, VA and nontraditional loan programs
- Creative problem solving using knowledge of programs and their guidelines
- Encompass, Byte, Point and Optimal Blue experience
- Computer proficient
- Knowledge of automated underwriting systems (DU/LP)
- Strong customer service skills systems
- Multi task management File/records maintenance
- Operations management Reports generation and analysis
- Bi-lingual Punjabi/Hindi
Timeline
Experience Senior Mortgage Consultant
Cross Country Mortgage LLC
2018.11 - 2022.03
Production Partner
RPM Mortgage
2016.08 - 2018.04
Senior Mortgage Consultant
APM Mortgage
2013.09 - 2016.08
Senior Mortgage Consultant
Mortgage Advisory Group
2009.09 - 2013.09
Branch Loan Officer
Clarion Mortgage
2005.05 - 2009.08
Mortgage Loan Officer
Financial Edge Mortgage
1997.06 - 2005.05
Bachelors - Economics
Washington State University
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