Jamal Bowe
Knightdale,NC
Summary
Experienced and successful loan originator, with knowledge of Real Estate and Insurance practices. Licensed by S.A.F.E. act in over 25 states. Expertise in down payment assistance from State and local municipalities.
Overview
14
14
years of professional experience
Work History
Senior Mortgage Loan Officer
Blue Ridge Bank/ Monarch Mortgage
08.2022 - Current
- Worked closely with processors to resolve any issues that arose during application review or underwriting stage, minimizing delays in closing timescales.
- Assisted clients throughout the entire mortgage process, from initial application to closing, ensuring a positive customer experience.
- Mostly worked with First time homebuyers, with NCHFA loans. Became familiar with the use of several different types of Down payment assistance, including MCC, Federal Home Loan Bank, Chenoa, and NCHFA programs.
Sr. Mortgage Consultant
New Penn Financial/ NewRez
06.2017 - 07.2022
- Complied applications and paperwork and double-checked for accuracy
- Reduced loan processing time, conducting thorough credit analysis and collaborating with underwriters for swift approvals.
- Resolved concerns and answered questions for parties involved with each transaction to promote successful outcomes
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports
- Managed a diverse portfolio of mortgages, expertly navigating complex scenarios to find the best financing solutions for each client''s unique needs.
Branch Manager
Pilgrim Mortgage
11.2015 - 06.2017
- Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty
- Educated customers on variety of loan products and available credit options to promote valuable decision-making
- Boosted customer base, acquiring new customers and identifying needs to deliver relevant products
- Complied with company policies and government regulations to prevent and detect rule violations and protect organization from fines and lawsuits.
Call Center Sales Representative
Time Warner Cable/ Charter
04.2014 - 01.2017
- Answered inbound calls to provide information, answer questions or discuss payment options
- Identified consumer needs, clarified information and researched issues to provide alternative solutions on outbound calls.
Jackson Hewitt Tax Services
Jackson Hewitt Tax Services
01.2012 - 03.2014
- Prepared tax return documents for clients
- Met with clients to gather information and discuss line item tax return components
- Stored copies of completed returns and related documents according to company procedures and business regulations.
Loan Officer
Allied Mortgage
07.2009 - 12.2012
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports
- Educated customers on variety of loan products and available credit options to promote valuable decision-making
- Adhered to federal and state compliance guidelines relative to retail mortgage lending
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
Education
Some College (No Degree) - Public Administration
St. Augustines College
Raleigh, NCSkills
- Sales development
- Negotiation Tactics
- Relationship selling
- Down Payment assistance expertise
- Escrow Management Know-How
- Mortgage Product Understanding
- Customer Relationship Management
- AUS Underwriter expert
- Debt and credit management
- Customer service-focused
Timeline
Senior Mortgage Loan Officer
Blue Ridge Bank/ Monarch Mortgage
08.2022 - Current
Sr. Mortgage Consultant
New Penn Financial/ NewRez
06.2017 - 07.2022
Branch Manager
Pilgrim Mortgage
11.2015 - 06.2017
Call Center Sales Representative
Time Warner Cable/ Charter
04.2014 - 01.2017
Jackson Hewitt Tax Services
Jackson Hewitt Tax Services
01.2012 - 03.2014
Loan Officer
Allied Mortgage
07.2009 - 12.2012
Some College (No Degree) - Public Administration
St. Augustines College
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