James Devine, Jr.
Warwick,RI
Summary
Achieved exceptional client retention and exceeded monthly sales targets at First Northern Financial Group by leveraging mortgage underwriting expertise and effective communication.
Demonstrated mastery in loan origination and relationship management, ensuring high levels of customer satisfaction and compliance with industry regulations. Driven Loan Officer with track record in mortgage and home lending product sales. Demonstrating strong interpersonal skills and exceptional service throughout sales process. 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. Talented Loan Officer with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.
Overview
30
30
years of professional experience
Work History
Senior Loan Officer
First Northern Financial Group
North Smithfield, RI
02.2008 - Current
- Collaborated with underwriting team to expedite loan processing times and ensure timely closings for clients.
- Developed strong relationships with borrowers, resulting in high levels of customer satisfaction and repeat business.
- Cultivated referral network with real estate agents, builders, and other professionals to generate new business leads.
- Submitted loan applications to underwriter for verification and recommendations.
- Successfully managed high-volume pipeline of loans, consistently meeting or exceeding monthly sales targets.
- Maintained strict confidentiality of bank records and client information.
- Managed a diverse portfolio of loans while maintaining low default rates through careful risk assessment and proactive borrower support.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Achieved high levels of client retention by providing exceptional service throughout the loan origination process.
- Established a reputation as an expert in various loan programs, becoming a trusted resource for colleagues and clients alike.
- Maximized approval rates for qualified applicants through diligent review of financial information and thorough assessment of risks.
- Provided exceptional customer service during loan origination, addressing client concerns and ensuring a smooth process from start to finish.
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Negotiated favorable terms from lenders on behalf of clients, securing optimal financing options for their needs.
- Maintained strict compliance with industry regulations, ensuring accuracy in disclosures and adherence to lending guidelines.
- Examined customer loan applications for loan approvals and denials.
- Advised clients on mortgage, education and personal loans.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Developed strong relationships with customers through high levels of customer service.
Senior Loan Officer
Equity Concepts
Cranston, RI
08.1994 - 01.2008
- Collaborated with underwriting team to expedite loan processing times and ensure timely closings for clients.
- Developed strong relationships with borrowers, resulting in high levels of customer satisfaction and repeat business.
- Cultivated referral network with real estate agents, builders, and other professionals to generate new business leads.
- Submitted loan applications to underwriter for verification and recommendations.
- Mentored junior loan officers, sharing expertise and knowledge to improve overall team performance.
- Successfully managed high-volume pipeline of loans, consistently meeting or exceeding monthly sales targets.
- Maintained strict confidentiality of bank records and client information.
- Managed a diverse portfolio of loans while maintaining low default rates through careful risk assessment and proactive borrower support.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Achieved high levels of client retention by providing exceptional service throughout the loan origination process.
- Enhanced loan application process by streamlining documentation and improving communication channels with clients.
- Established a reputation as an expert in various loan programs, becoming a trusted resource for colleagues and clients alike.
- Maximized approval rates for qualified applicants through diligent review of financial information and thorough assessment of risks.
- Provided exceptional customer service during loan origination, addressing client concerns and ensuring a smooth process from start to finish.
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Negotiated favorable terms from lenders on behalf of clients, securing optimal financing options for their needs.
- Maintained strict compliance with industry regulations, ensuring accuracy in disclosures and adherence to lending guidelines.
- Examined customer loan applications for loan approvals and denials.
- Advised clients on mortgage, education and personal loans.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Developed strong relationships with customers through high levels of customer service.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Proactively identified solutions for customers experiencing credit issues.
- Assisted customers with completing loan applications and other paperwork.
- Monitored pipelines to track and log status of loans.
- Assessed loan portfolios for compliance with underwriting policies.
- Developed and maintained relationships with customers, lenders and other third parties.
Education
J.D. - Law
Thomas M. Cooley Law School
Lansing, MI05.1993
Bachelor of Science - Finance
St Joseph's University
Philadelphia, PA05.1988
Skills
- Time Management Efficiency
- Mortgage Underwriting Expertise
- Goal-oriented mindset
- Effective Communication Techniques
- Decision-Making Confidence
- Continuous Learning Commitment
- Interviewing
- Credit Analysis Proficiency
- Extensive product knowledge
- Organizational Skills Mastery
- Information Verification
- In-depth industry knowledge
- Appraisal compilation
- Application preparation
- Loan Origination Mastery
- Networking and Referral Building
- Analytical Thinking Strength
- Attention to Detail Precision
- Strong Financial Acumen
- Loan Servicing
- Customer service-focused
- Relationship building and management
Timeline
Senior Loan Officer
First Northern Financial Group
02.2008 - Current
Senior Loan Officer
Equity Concepts
08.1994 - 01.2008
J.D. - Law
Thomas M. Cooley Law School
Bachelor of Science - Finance
St Joseph's University