Ives Ward
Los Angeles,CA
Summary
Adept at loan structuring and fostering customer relationships, I significantly enhanced loan application processes at JPMorgan Chase. My proactive problem-solving and effective communication skills led to surpassing sales targets and cultivating key industry partnerships, achieving a notable increase in referral business.
Overview
18
18
years of professional experience
Work History
Field Community Home Loan Advisor
JPMorgan Chase
01.2022 - 02.2025
- Streamlined the loan application process for clients by effectively communicating requirements and providing guidance.
- Ensured compliance with federal, state, and company policies by conducting thorough audits of all loan documentation.
- Assisted in developing training materials aimed at increasing staff knowledge in lending practices, resulting in improved job performance across the team.
- Educated clients on various mortgage products, empowering them to make informed decisions about their financial futures.
- Increased referral business by fostering strong relationships with real estate agents and other industry professionals.
- Managed a diverse portfolio of loans while consistently meeting or exceeding sales targets set by management.
- Participated in networking events to promote the company''s loan products and services, establishing valuable connections within the industry.
- Developed and maintained relationships with customers, lenders and other third parties.
Sr. Loan Consultant
New American Funding
07.2017 - 01.2022
- Championed customer service excellence within the organization by consistently exceeding client expectations during all stages of the mortgage application process.
- Facilitated seamless communications between borrowers, real estate agents, title companies, and other essential parties involved in the transaction process.
- Managed a diverse portfolio of clients, ensuring each received exceptional service throughout the entire loan process.
- Reduced company exposure to risk by reviewing and approving loans within established guidelines and limits.
- Collaborated with underwriting teams to expedite the approval process and secure funding for clients in a timely manner.
- Generated new business opportunities via targeted marketing campaigns and effective networking initiatives.
- Overcame loan processing challenges through creative problem-solving techniques, ultimately ensuring client satisfaction and successful funding outcomes.
- Contributed to the ongoing growth of the company by consistently achieving or surpassing established sales goals and performance metrics.
Loan Consultant
Caliber Home Loans
02.2016 - 07.2017
- Increased client retention rates by offering exceptional service and fostering strong relationships.
- Assisted clients in securing loans by providing personalized guidance and identifying suitable products.
- Exceeded sales goals through proactive networking and lead generation initiatives.
- Interviewed prospective customers to discuss financial goals and means surrounding FHA and Conventional loans.
- Compiled documentation necessary to successfully fund over 5 loans per month.
- Conducted comprehensive financial analyses to determine borrower eligibility for various loan programs.
- Organized community outreach events promoting financial literacy to build brand awareness in target markets.
- Achieved sales goals consistently by tenaciously pursuing new connections and loan opportunities.
CRA Mortgage Loan Originator
US Bank
12.2014 - 12.2015
- Worked with underwriters to fix application problems and resolve issues.
- Collaborated with underwriters, processors, and other team members to resolve issues, ensuring smooth transactions for all parties involved.
- Analyzed applicant financial data to determine eligibility for various loan products, tailoring recommendations based on individual needs.
- Maintained up-to-date knowledge of industry regulations, changes, and trends to provide accurate advice to clients.
- Contributed towards achieving branch sales targets through consistent performance in meeting personal goals as well as supporting team members when needed.
- Managed a pipeline of mortgage applications, prioritizing tasks to ensure timely closings and meet clients'' needs.
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Developed strong relationships with real estate agents, increasing referral business and expanding client base.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
CRA Mortgage Loan Originator
CTBC Bank
06.2013 - 11.2014
- Responsible for marketing and promoting outside mortgage loans for CTBC Bank. Goals include meeting customer expectations and delivering our products in an efficient and timely manner as well as increasing CTBC Bank's visibility within the community.
- Responsible for building relationships that market and promote outside business development through multiple organizations and other entities that contribute to increasing potential low-to-moderate mortgage loans.
- Establishing relationships with community organizations, and other entities that will contribute to
potential LMI Mortgage origination and production. - Seek opportunities to conduct homeownership classes to emerging market populations and low-to-
moderate income groups of individuals. - Collaborating with internal and external clients regarding financial literacy and education of outreach initiatives.
- Setting and adhering to quality standards for loan production and activities that will generate
production. - Aggressively promoting CTBC Bank to real estate agents, builders and developers, financial
planners / CPAs, attorneys and other referral sources. - Participate in sales meeting, training, and other CTBC Bank initiatives as required by management.
Mortgage Collateral Reviewer
BNY Mellon
08.2012 - 07.2013
- Maintained strong attention to detail while reviewing numerous documents daily, ensuring consistent quality and accuracy.
- Maintained strict confidentiality with sensitive client information, adhering to industry standards and company policies.
- Reduced turnaround time for reviews by effectively prioritizing tasks and managing deadlines.
- Ensured consistency across multiple review projects by maintaining strict adherence to established protocols and procedures.
- Supported continuous improvement initiatives by actively participating in team meetings, trainings, and workshops focused on enhancing reviewer skills and processes.
- Conducted in-depth research to strengthen the overall quality and credibility of each review.
- Sustained high levels of productivity under tight deadlines by efficiently using available resources.
Owner/Sales Operator
LAI Study to Learn
09.2009 - 08.2012
- Managed day-to-day business operations.
- Developed and maintained strong relationships with clients, resulting in repeat business and referrals.
- Oversaw daily operations, ensuring all tasks were completed accurately and efficiently by team members.
- Increased customer satisfaction by implementing efficient business processes and providing exceptional service.
- Managed financial aspects of the business, including budgeting, financial reporting, and tax preparation.
- Trained and motivated employees to perform daily business functions.
- Implemented marketing strategies to increase brand awareness and attract new customers.
- Organized and attended trade shows and special events to showcase products, network with other businesses and attract new customers.
- Generated revenues yearly and effectively capitalized on industry growth.
Account Executive
United Document Destruction & Storage
11.2008 - 07.2009
- Provided exceptional customer service, addressing client concerns promptly and effectively to ensure long-term loyalty.
- Managed multiple accounts simultaneously while maintaining organization and prioritizing tasks efficiently.
- Exceeded sales targets consistently by identifying new business opportunities and creating customized solutions for clients.
- Boosted client satisfaction by developing and maintaining strong relationships through effective communication.
- Established long-lasting relationships with key decision-makers within client organizations, solidifying the company''s reputation as a trusted partner in their respective industries.
- Maintained up-to-date knowledge on product offerings, ensuring accurate representation during sales pitches or negotiations with clients.
- Negotiated contracts successfully, securing favorable terms for both the company and clients.
Account Executive Manager
Homewide Lending
02.2007 - 10.2008
- Responsible for training product knowledge and inspiring a team of 15 account executives to sale wholesale mortgage products to real estate brokers offices. Recognize timely receipt of loan packages, including loan conditions and appraisals. Created team sales goals and monitored individual territory progress. Monitored pipeline reports to maximize pull-through ratios. Successfully manage 10 active broker accounts. Certify R.E. brokers were updated through monthly training of new products and guidelines, assisted mortgage loan officers with pricing and loan scenarios.
- Maintained high client retention rate by providing exceptional customer service and anticipating client needs.
- Collaborated with sales team to identify potential upsell opportunities and expand client base.
- Assisted in the development of training materials for new hires, ensuring smooth onboarding process.
- Fostered detailed understanding of product offerings, enabling effective communication of features and benefits to clients.
Education
NMLS Certificate of Completion - Origination Mort.
Allied Real Estate School
Los Angeles, CA03-2012
Loan Processor, Loan Originator And Marketing
The American School of Mortgage Banking
Los Angeles, CA06-2008
High School Diploma -
Fontana High School
Fontana, CA06-1979
Skills
- Team work
- Customer care-focused
- Documentation review
- Loan Structuring
- Problem-solving
- Time Management
- Sales and closing
- Goal oriented
- Self-Motivated
- Active listening
- Effective communication
- Decision-making
Languages
Spanish
Limited Working
Timeline
Field Community Home Loan Advisor
JPMorgan Chase
01.2022 - 02.2025
Sr. Loan Consultant
New American Funding
07.2017 - 01.2022
Loan Consultant
Caliber Home Loans
02.2016 - 07.2017
CRA Mortgage Loan Originator
US Bank
12.2014 - 12.2015
CRA Mortgage Loan Originator
CTBC Bank
06.2013 - 11.2014
Mortgage Collateral Reviewer
BNY Mellon
08.2012 - 07.2013
Owner/Sales Operator
LAI Study to Learn
09.2009 - 08.2012
Account Executive
United Document Destruction & Storage
11.2008 - 07.2009
Account Executive Manager
Homewide Lending
02.2007 - 10.2008
NMLS Certificate of Completion - Origination Mort.
Allied Real Estate School
Loan Processor, Loan Originator And Marketing
The American School of Mortgage Banking
High School Diploma -
Fontana High School
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