James A. Payton
Asheville,NC
Summary
Organized and motivated employee eager to apply time management and organizational skills in various environments. Seeking entry-level opportunities to expand skills while facilitating company growth. Anxious to obtain a processing or underwriting position to help launch career in mortgage operations while achieving company goals.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Mortgage Loan Officer
Innova Mortgage
Asheville, NC
08.2021 - Current
- Educated customers on various aspects of mortgage financing options available.
- Informed customers of loan application requirements and deadlines.
- Developed relationships with real estate agents, builders and other referral sources in order to generate business leads.
Branch Manager
Carefree Retirement Funding
Asheville, NC
12.2018 - 08.2021
- Provided guidance and support to team members regarding problem resolution and customer service issues.
- Ensured compliance with established policies, procedures and regulations governing banking operations.
- Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
Senior Loan Officer
Finance of America Mortgage
Asheville, NC
01.2016 - 02.2018
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Met with applicants to obtain information for loan applications and answer questions about processes.
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
Mortgage Loan Officer
ENG Lending
Asheville, NC
02.2012 - 08.2013
- Informed customers of loan application requirements and deadlines.
- Submitted applications to credit analysts.
- Developed relationships with real estate agents, builders and other referral sources in order to generate business leads.
Branch Manager
Horizon Financial Management
Asheville, NC
02.2010 - 12.2011
- Directed daily operations of the branch, including customer service, human resources, sales and marketing activities.
- Identified opportunities for process improvement initiatives within the branch.
- Reviewed loan applications to ensure accuracy and compliance with regulations.
Mortgage Loan Officer
Paramount Mortgage
Asheville, NC
12.2005 - 12.2009
- Educated customers on various aspects of mortgage financing options available.
- Submitted applications to credit analysts.
- Developed relationships with real estate agents, builders and other referral sources in order to generate business leads.
Education
High School Diploma -
A.C. Reynolds High School
Asheville, NC05-1986
Some College (No Degree) - Business Management
Mars Hill University
Mars Hill, NCSkills
- Licensed Mortgage Loan Originator
- Customer Relations
- Automated Underwriting System (AUS)
- Income Evaluation
- Application Review
- Customer Service-Focused
- Document Analysis
- Credit Check Knowledge
- Loan Processing Coordination
- NMLS Registration
Certification
- Certificate of Completion- Modern Real Estate Practice- AB Tech
- Certificate of Completion- Understanding FHA Loans- Capstone Institute
Timeline
Mortgage Loan Officer
Innova Mortgage
08.2021 - Current
Branch Manager
Carefree Retirement Funding
12.2018 - 08.2021
Senior Loan Officer
Finance of America Mortgage
01.2016 - 02.2018
Mortgage Loan Officer
ENG Lending
02.2012 - 08.2013
Branch Manager
Horizon Financial Management
02.2010 - 12.2011
Mortgage Loan Officer
Paramount Mortgage
12.2005 - 12.2009
High School Diploma -
A.C. Reynolds High School
Some College (No Degree) - Business Management
Mars Hill University