James Toney
Franklin,TN
Summary
Accomplished Loan Officer dependable in building customer base and exceeding business goals. Well-versed in loan products and customer engagement strategies. Pursues opportunities to build connections, increase bank revenue and cement loyalty.
Overview
25
25
years of professional experience
Work History
Senior Mortgage Banker
CMG Home Loans
01.2024 - Current
- Collaborated with underwriters to expedite loan approvals while adhering to stringent lending guidelines.
- Conducted comprehensive financial analysis on applicants, ensuring accurate assessment of creditworthiness for loans.
- Optimized workflow processes within the team to reduce turnaround times for loan approvals and closings.
- Educated first-time homebuyers on loan options available to them, guiding them through the entire application process seamlessly.
Senior Mortgage Banker
Guaranteed Rate
08.2021 - 09.2023
- Consistently met or exceeded established sales goals by developing a strong referral network with real estate professionals and past clients.
- Developed strong relationships with clients, realtors, and financial institutions to generate new business opportunities.
Senior Mortgage Banker
Loan Depot
03.2020 - 08.2021
- Educated first-time homebuyers on loan options available to them, guiding them through the entire application process seamlessly.
- Negotiated favorable terms for clients during the closing process, securing competitive interest rates and fees.
Soldier
US Army
05.1989 - 05.1995
- Maintained physical fitness levels to meet demanding operational requirements and ensure optimal performance under challenging circumstances.
- Strengthened morale among fellow soldiers through active listening, empathy, and encouragement in difficult situations.
- Upheld high standards of professionalism both on-and off-duty representing the US military with honor at all times.
- Developed strong leadership skills through rigorous training and hands-on experience in high-pressure situations.
Education
Bachelor of Science - Finance
University of Tennessee
Knoxville, TN12.1999
Skills
- Loan origination expertise
- Goal-oriented mindset
- Continuous Learning Commitment
- Sales strategy development
- Relationship Management
- Networking capabilities
Hobbies
Spartan racing (obstacle course series of races)
Trail Running
Cruising
Timeline
Senior Mortgage Banker
CMG Home Loans
01.2024 - Current
Senior Mortgage Banker
Guaranteed Rate
08.2021 - 09.2023
Senior Mortgage Banker
Loan Depot
03.2020 - 08.2021
Soldier
US Army
05.1989 - 05.1995
Bachelor of Science - Finance
University of Tennessee
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