Summary
Overview
Work History
Education
Skills
Timeline
Generic

Israel Vance

Gray,TN

Summary

Accomplished Loan Officer dependable in building customer base and exceeding business goals. Well-versed in loan products and customer engagement strategies. Pursues opportunities to build connections, increase bank revenue and cement loyalty. Consistent in being in the top 25 in loan volume and units out of 168 loan officers.

Background is in Private Client Services with an emphasis on lending, Commercial, and Treasury Management. I started my lending career in the Private Client Services area and specialize in Physician loans and luxury / jumbo properties. I have been working primarily in loan production since 2008.

Lending experience in auto, boats, planes, real estate, marketable securities, and unsecured lines of credit.

Overview

22
22
years of professional experience

Work History

Vice President of Mortgage Lending

Truist
08.2023 - Current
  • Increased loan production by streamlining mortgage lending processes and implementing more efficient systems.
  • Developed new mortgage products for diverse client needs, resulting in higher customer satisfaction rates.
  • Established strong relationships with real estate agents, leading to increased referral business and long-term partnerships.
  • Improved underwriting processes to reduce turnaround time for loan approvals, enhancing customer experience and loyalty.
  • Oversaw compliance efforts, ensuring adherence to federal and state regulations throughout the mortgage lending process.
  • Launched targeted marketing campaigns to attract new clientele, expanding market share within the industry.
  • Negotiated favorable terms with investors and secondary market partners for optimal pricing on mortgage loans.
  • Enhanced communication channels between departments, fostering collaboration in achieving organizational goals related to mortgage lending operations.
  • Analyzed market trends and competitor offerings to inform strategic planning for future growth initiatives within the organization.
  • Complied with established internal controls and policies.
  • Increased sales revenue by building strong rapport with customers and recommending appropriate products based on their needs.
  • Boosted customer satisfaction levels through exceptional service, addressing concerns promptly, and providing a welcoming store environment.
  • Provided personalized shopping experiences for repeat customers by remembering their preferences and offering tailored recommendations.
  • Utilized cross-selling techniques to introduce customers to complementary products, increasing average transaction size.

Mortgage Loan Officer

First Horizon Bank
09.2001 - 08.2023
  • Worked with underwriters to fix application problems and resolve issues.
  • Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
  • Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
  • Analyzed loan applications and credit reports to determine loan eligibility and risk level.
  • Seek to find best loan programs and solutions for applicants.
  • Look for opportunities to improve bank CRA loan production.
  • Most importantly, I seek the opportunity to be an advisor to my clients. I make it a priority to also look for additional banking needs and refer those to internal partners.
  • Explained different types of loans pertaining to client situations.
  • Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
  • Monitored portfolio performance and provided clients with periodic updates on loan progress.
  • Proactively identified solutions for customers experiencing credit issues.
  • Determined applicable ratios and metrics to set up debt payment plans.
  • Verified information about applicant history with credit bureaus and other agencies to approve or deny loans.
  • Collected data from customers such as assets, salaries, debts and employment status.
  • Explained different types of loans and terms of each type to applicants.
  • Reviewed loan applications and documents for accuracy and completeness.
  • Assisted customers with completing loan applications and other paperwork.
  • Monitored pipelines to track and log status of loans.
  • Explained very technical financial information to applicants in easy to understand language.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Negotiated loan terms and conditions with customers to secure best deal.

Education

Some College (No Degree) - Business

Attended Northeast State Community College
Blountville

Skills

  • Real Estate Appraisal
  • Scheduling Oversight
  • Sales Development
  • Mortgage Plan Advising
  • Business Referral Management
  • Desktop Underwriting Expertise
  • Applicant Counseling
  • Loan Application Management
  • Networking and Partnership Development

Timeline

Vice President of Mortgage Lending

Truist
08.2023 - Current

Mortgage Loan Officer

First Horizon Bank
09.2001 - 08.2023

Some College (No Degree) - Business

Attended Northeast State Community College

Similar Profiles

CREATE PROFILE
Israel Vance