James Balthazar
Belleview,FL
Summary
Proactive Mortgage Loan Officer and Financial Advisor with extensive experience in loan origination, financial planning, and client relationship management. Expert in residential mortgage lending regulations and investment advice, with a proven track record of enhancing client satisfaction and retention. Adept at developing strategic partnerships and providing tailored financial solutions.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Mortgage Loan Officer
FBC Home Loans
08.2023 - Current
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
Sr Vice President Mortgage Loan Officer
Citizens First Bank
09.2012 - 08.2023
- Identified opportunities to improve business process flows and productivity.
- Established and maintained strong relationships with customers, vendors and strategic partners.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Maintained a comprehensive knowledge of current industry trends and regulatory changes to provide expert guidance for clients.
Financial Services Representative
Angie Lewis State Farm
01.2009 - 09.2012
- Worked with clients to develop financial planning strategies and solutions through evaluation of finances.
- Advised clients on retirement planning options such as IRAs or annuities based on individual goals.
- Assisted clients in navigating complex financial situations, offering solutions that met their unique needs.
- Conducted regular reviews of client portfolios to ensure alignment with risk tolerance and investment objectives.
- Leveraged financial planning software to create scenarios that helped clients understand potential investment outcomes.
Financial Advisor
Morgan Stanley
08.2007 - 12.2008
- Built strong relationships with clients, fostering trust and loyalty in managing their financial portfolios.
- Educated clients on various financial matters and provided professional recommendations on investment opportunities, products, and services based on each clients' individual needs.
- Established new client relationships by conducting thorough needs assessments during initial consultations.
- Developed comprehensive financial plans for clients to achieve short-term and long-term goals.
- Worked with clients to support understanding of rationale and details of financial strategies.
- Provided comprehensive retirement planning services, ensuring clients maintain their desired lifestyle postretirement.
Education
No Degree - Buisness
Central Florida Community College
OcalaHigh School Diploma -
North Marion High School
SparrSkills
- Goal-Oriented
- Relationship selling
- Loan Origination
- Residential mortgage lending regulations
- Investment advice
- Financial Advising
Certification
- Licensed NMLS #938598 - Current
- Series 7 and Series 66- 2008-2012
Timeline
Mortgage Loan Officer
FBC Home Loans
08.2023 - Current
Sr Vice President Mortgage Loan Officer
Citizens First Bank
09.2012 - 08.2023
Financial Services Representative
Angie Lewis State Farm
01.2009 - 09.2012
Financial Advisor
Morgan Stanley
08.2007 - 12.2008
No Degree - Buisness
Central Florida Community College
High School Diploma -
North Marion High School
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