Heather Opperman
Wesley Chapel,FL
Summary
Seasoned Loan Officer with a proven track record in mortgage lending, adept at navigating complex loan processes and ensuring compliance. Strong relationships with real estate professionals enhance client experiences and drive increased loan production.
Overview
21
21
years of professional experience
Work History
Mortgage Loan Originator
Centennial Bank
Lutz, FL
06.2025 - Current
- Consulted clients to determine mortgage needs and financial goals.
- Educated clients on mortgage products, rates, and terms available at Centennial Bank.
- Developed relationships with real estate agents, builders, title companies, attorneys and other referral sources.
- Coordinated with underwriters to facilitate timely loan processing and approval.
- Evaluated loan applications for compliance with regulations and company standards.
Mortgage Loan Officer (remote)
CU Mortgage Service/Tech Credit Union
, IN
05.2017 - 05.2025
- 815 loans closed for 130mil.
- Assisted members throughout the entire mortgage process, from initial application to closing, ensuring a positive member experience.
- Collaborated with underwriters, processors, and closers to streamline loan process, enhancing client satisfaction.
- Increased loan production by nurturing relationships with realtors, builders, and referral sources, driving business growth.
- Consistently met or exceeded sales targets by establishing a strong professional network within the local community.
Branch Director
Help At Home
09.2016 - 05.2017
- Supported individuals with intellectual, physical, and developmental disabilities, improving their quality of life and access to necessary resources.
- Conducted interviews, hired, and trained new staff, ensuring team readiness and alignment with organizational goals.
- Facilitated collaboration among internal and external teams, leading to improved project outcomes and stakeholder satisfaction.
Director of Consumer Services
AccessAbilities, Inc
09.2008 - 09.2016
- Oversaw 7 departments, ensuring compliance with regulations and profitability for the company.
- Reviewed state documents and allocated funds to consumers for authorized services.
- Recruited, trained, supervised, evaluated and mentored staff members.
Mortgage Loan Officer
CTX Mortgage
08.2007 - 09.2008
- Improved client retention through exceptional service during entire mortgage process, from pre-approval to closing.
- Cultivated strong relationships with customers, lenders, and third parties to facilitate seamless mortgage transactions.
Mortgage Loan Officer
Wells Fargo Home Mortgage
10.2005 - 08.2007
- Identified additional financial products to promote cross-selling opportunities, enhancing client value beyond mortgage needs.
- Evaluated loan applications and credit reports to assess eligibility and risk level, ensuring informed lending decisions.
Skills
- Loan evaluation
- Compliance analysis
- Mortgage education
- Sales relationship building
- Client consulting
- Customer relationship management
Affiliations
- BNI LEGENDS- Vice-President
- STAR(Suncoast Tampa Association of Realtors) - Affiliate Mentor
Timeline
Mortgage Loan Originator
Centennial Bank
06.2025 - Current
Mortgage Loan Officer (remote)
CU Mortgage Service/Tech Credit Union
05.2017 - 05.2025
Branch Director
Help At Home
09.2016 - 05.2017
Director of Consumer Services
AccessAbilities, Inc
09.2008 - 09.2016
Mortgage Loan Officer
CTX Mortgage
08.2007 - 09.2008
Mortgage Loan Officer
Wells Fargo Home Mortgage
10.2005 - 08.2007