Hi, I’m
JAMES COX
Credit Specialist/Loan Originator - NMLS # 2138648
Grosse Pointe,MI
The real test is not whether you avoid this failure, because you won’t. It’s whether you let it harden or shame you into inaction, or whether you learn from it; whether you choose to persevere.
Barack Obama
Summary
- Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service.
Overview
16
years of professional experience
Work History
The Credit EstimatorGrosse Pointe, Michigan
Credit Specialist
11.2023 - Current
Job overview
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Monitored appropriateness of credit limits on customers, making changes to realign operations with policies and targets.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Attended ongoing professional training to facilitate accurate and productive credit management.
Safe ManagementDetroit, MI
Security Analyst
06.2009 - Current
Job overview
- Seasonal Guest Services Professional, Ford Field
- Identified issues, analyzed information and provided solutions to problems.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
- Effectively provided customer service to individuals spanning a variety of personalities and backgrounds, utilizing interpersonal communication skills to earn trust and build relationships
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Maintained professionalism, courtesy, and a positive attitude at all times, successfully meeting the needs of high-profile visitors including Aretha Franklin, Jack Nicklaus, and Barry Sanders.
Obsidian FinancialDetroit, MI
Loan Officer
05.2023 - 10.2024
Job overview
- Researched and updated industry knowledge on changing legislation and regulations.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Developed strong relationships with customers through high levels of customer service.
- Assisted customers in understanding loan terms and conditions so they could make informed decisions.
- Completed paperwork, recognized discrepancies, and promptly addressed them for resolution.
- Maintained strict confidentiality of bank records and client information.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Advised clients on mortgages, education, and personal loans.
- Submitted loan applications to an underwriter for verification and recommendations.
Modern MortgageFarmington, MI
Loan Assistant
06.2022 - 03.2023
Job overview
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Delivered high levels of customer service to facilitate smooth processes.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
- Improved loan applications and documentation by informing applicant of additional requirements.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
Education
NMLS #2138648State Issued
from Mortgage Loan Originator
05.2022
Skills
- Analytical and Critical Thinking
- Active Listening
- Flexible and Adaptable
- Interpersonal Communication
- Organization and Time Management
- Deep knowledge of loan processes
- Excellent Communication
- Creative problem solving
- Professional telephone demeanor
- Complaint resolution
- Strategic sales knowledge
- Recordkeeping strengths
- Training development aptitude
- POS systems expert
- CRM
- Service standard compliance
Availability
See my work availability
Not Available
Available
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Credit Specialist
The Credit Estimator
11.2023 - Current
Loan Officer
Obsidian Financial
05.2023 - 10.2024
Loan Assistant
Modern Mortgage
06.2022 - 03.2023
Security Analyst
Safe Management
06.2009 - Current
NMLS #2138648
from Mortgage Loan Originator
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