James Kluthe
San Antonio
Summary
Knowledgeable leader with comprehensive background in originating mortgage loans and guiding clients through home financing process. Successfully facilitated numerous mortgage approvals by leveraging in-depth industry knowledge and client-focused strategies. Demonstrated proficiency in financial analysis and regulatory compliance.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Mortgage Loan Originator
Pentagon Federal Credit Union
07.2020 - Current
- Utilize economic principles, statistical methods, and relevant data to competitively price based on market research
- Monitoring, tracking, and identifying trends in the market to positively position lead opportunities
- Coordinate with internal and external business partners to ensure service level agreements and federal compliance timelines are met
- Maintain up to date knowledge on Federal Regulations for Home Lending
- Maintain strong external relationships with Attorneys, Builders, and Real Estate Agents to promote bank products for consumers
- Inspect and Review Financial Statements and Income Documentation to mitigate risk and ensure they adhere to investor, bank, and state/federal standards
- Effectively prioritize tasks, understand processes, and resolve issues
Mortgage Loan Originator
Wells Fargo Bank N.A.
08.2019 - 07.2020
- 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.
- Contributed towards achieving branch sales targets through consistent performance in meeting personal goals as well as supporting team members when needed.
- Provided exceptional customer service throughout the entire loan process from initial consultation to closing day.
- Assisted clients in understanding complex mortgage terms, facilitating informed decisions about their financing options.
Mortgage Servicing Supervisor
Wells Fargo Bank, N.A.
12.2015 - 08.2019
- Implemented robust risk management strategies minimizing the potential for errors in service delivery.
- Maintained accurate records of all client interactions and transactions, ensuring timely access to critical information for decision-making purposes.
- Strengthened internal controls in place monitoring quality assurance checks on completed servicing projects.
- Conducted regular performance evaluations for team members, identifying areas for improvement and creating action plans.
- Managed a team of service professionals, ensuring timely completion of tasks while maintaining high-quality standards.
Education
Bachelor of Science - Business Management
University of Phoenix
Tempe, AZ07-2024
Skills
- Structured Financing Solutions
- Comprehensive Pipeline Coordination
- Strategic Account Management
- Underwriting Standards for Federal Compliance Regulations
Certification
Leadership and Management Certificate
Timeline
Mortgage Loan Originator
Pentagon Federal Credit Union
07.2020 - Current
Mortgage Loan Originator
Wells Fargo Bank N.A.
08.2019 - 07.2020
Mortgage Servicing Supervisor
Wells Fargo Bank, N.A.
12.2015 - 08.2019
Leadership and Management Certificate
Bachelor of Science - Business Management
University of Phoenix
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