Grady Cummings
3144 Abrams Road Watkins Glen,NY
Summary
Dynamic Mortgage Loan Officer with extensive experience at Cummings Mortgage Company, excelling in loan origination and relationship selling. Proven track record in enhancing client satisfaction through tailored solutions and exceptional service. Skilled in negotiation tactics and compliance with residential mortgage lending regulations, driving successful outcomes for clients and lenders alike.
Overview
16
16
years of professional experience
Work History
Mortgage Loan Officer
Cummings Mortgage Company / Owner
04.2006 - 06.2011
- Assisted clients in completing mortgage applications and gathering necessary documentation.
- Learned federal regulations and compliance standards related to mortgage lending.
- Supported the processing of loan applications by coordinating with underwriters and credit analysts.
- Developed knowledge of various mortgage products and their features for client education.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
Loan Officer
Wachovia Bank
02.2004 - 02.2005
- Evaluated loan applications to determine creditworthiness and risk factors.
- Developed tailored loan solutions for diverse client needs, ensuring compliance with regulations.
- Cultivated strong relationships with clients, providing exceptional service throughout the loan process.
- Collaborated with underwriting teams to expedite approval processes and resolve issues efficiently.
- Developed strong relationships with customers through high levels of customer service.
Loan Officer
First Mortgage Corporation
11.2002 - 04.2004
- Evaluated borrower creditworthiness through comprehensive financial analysis and risk assessment.
- Managed loan origination process, ensuring compliance with regulatory requirements and company policies.
- Developed tailored loan solutions to meet diverse client needs, enhancing customer satisfaction and retention.
- Streamlined application review procedures, improving turnaround time for loan approvals.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
Loan Originator
Parkway Mortgage Lenders
02.1995 - 12.1999
- Developed and maintained strong relationships with clients to understand their financial needs.
- Analyzed credit reports and financial statements to determine loan eligibility.
- Guided clients through mortgage application process, ensuring compliance with regulations.
- Collaborated with underwriters to expedite loan processing and resolve discrepancies.
- Maintained up-to-date knowledge of industry regulations, changes, and trends to provide accurate advice to clients.
Education
No Degree - 63-B Mech, CH-44 Combat Engineer
US ARMY
Fort Leonard Wood, MO03-1989
High School Diploma -
Lamoni High School
Lamoni, IA08-1981
Skills
- Goal oriented
- Relationship selling
- Loan origination
- Residential mortgage lending regulations
- Document review
- Negotiation tactics
- Sales development
- Sales forecasting
- Microsoft office
- Practiced at FHA loan process
- Application verification
- Teamwork and collaboration
- Teamwork
- Refinancing options
- Loan application management
- Credit evaluation
- Customer service-focused
Accomplishments
- Proficiency in mortgage software: Encompass, Calyx Point, BytePro, Mortgage Builder, etc..
- Counseled 100+ homebuyers, successfully matching complex financial needs with appropriate loan products and options.
- Built and maintained strong client relationships, leading to a 98% customer satisfaction rating.
- Helped with new loan processing workflows that reduced average closing time by 3 days.
- Achieved 100% compliance with HMDA, RESPA, and TRID regulations across all files
Timeline
Mortgage Loan Officer
Cummings Mortgage Company / Owner
04.2006 - 06.2011
Loan Officer
Wachovia Bank
02.2004 - 02.2005
Loan Officer
First Mortgage Corporation
11.2002 - 04.2004
Loan Originator
Parkway Mortgage Lenders
02.1995 - 12.1999
No Degree - 63-B Mech, CH-44 Combat Engineer
US ARMY
High School Diploma -
Lamoni High School