Citrix, Loan Origination, Sales force, Sure Fire, Total Expert, Chrome River, Cardtapp, MS Office
Jasimine Baker
Finance, Administration
Round Hill,VA
Summary
Highly skilled Finance Specialist with expertise in data accuracy and loan origination. Hardworking professional with over 15 years in building trust with customer and providing them with mortgage loan solutions. Extensive knowledge in mortgage lending and policy, with deep understanding of credit analysis, loan origination and closing. Bringing a rich background in customer service roles, sales, marketing, and document management demonstrating adaptability and proficiency with proven track record of providing financial services to clients while managing complex loan transactions. Offers great time management and task prioritization skills. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Mortgage Loan Officer
Fulton Mortgage Company Dba Fulton Bank
Herndon, VA
09.2022 - Current
- Evaluated borrower creditworthiness through in-depth financial and credit data analysis. Identifying high-risk borrowers and proposed strategies to minimize default rates.
- Explained different types of loans pertaining to client situations.
- Client Relationship Building by establishing new business relationships with clients, real estate agents, builders, and referral sources, contributing to broader network and opportunities.
- Designed and executed effective marketing strategies to promote products and services, enhancing brand visibility and market presence.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Kept detailed records of daily activities through online customer database.
- Managed over 50 customer calls per day.
- Negotiated prices, terms of sales and service agreements.
- Maintained current knowledge of evolving changes in marketplace.
- Attended monthly sales meetings and quarterly sales trainings.
- Demonstrated expertise in state and local housing agencies' and grant programs.
- Conducted thorough market research to identify new business opportunities within target demographics.
- Promoted cross-selling opportunities within the organization by identifying additional financial products that would benefit clients beyond their mortgage needs.
- Maintained a comprehensive knowledge of current industry trends and regulatory changes to provide expert guidance for clients.
Licensed Mortgage Loan Originator
Security National Mortgage Company
Sterling, VA
01.2021 - 09.2022
- Conducted in-depth financial interviews with discerning clients to assess their creditworthiness and tailored mortgage solutions to their unique needs, delivering high customer satisfaction.
- Enhanced Efficiency in Loan Processing by Collaborating seamlessly with cross-functional team members to refine document accuracy and streamline loan underwriting processes, effectively reducing processing time by 20%.
- Demonstrated exceptional customer satisfaction by consistently utilizing strong communication and problem-solving abilities, ensuring smooth and professional mortgage advisory experience for clients.
- Collaborated with other correspondent mortgage lenders to identify optimal product solutions for clients.
- Utilized modern technology platforms to manage client information securely while maintaining strict confidentiality standards required by law
- Educated prospective borrowers on various loan programs available, matching them with the best financing options for their needs
- Remained up-to-date on industry regulations, guidelines, and loan program changes by attending relevant training sessions and webinars regularly
Business Development Officer
Navy Federal Credit Union
Vienna, VA
06.2012 - 01.2021
- Strategized with sales team to prospect and qualify potential customers within assigned geographic territories.
- Delivered campaigns to solidify new client opportunities and generate new business.
- Performed client research and identified opportunities for account growth, account penetration and market expansion.
- Met with customers to discuss and ascertain needs, tailor solutions and close deals.
- Developed and maintained strong working relationships with professionals within assigned territory.
- Identified new business opportunities through cold calling, networking, marketing and prospective database leads.
- Served customers with knowledgeable, friendly support at every stage of shopping and purchasing.
- Increased sales with execution of full sales cycle processing from initial lead processing through conversion and closing.
Mortgage Processing/Closer/ Post Closer
Navy Federal Credit Union
Herndon, VA
10.2011 - 06.2012
- Streamlined closing processes by implementing efficient organizational systems, improving overall productivity.
- Maintained high levels of customer satisfaction by addressing concerns promptly and professionally throughout closing process.
- Prepared preliminary settlement statements and loan closing instructions for review by title companies and closing agents.
- Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Reduced potential errors through careful review of settlement statements prior to disbursement of funds.
- Coordinated with title companies to obtain necessary documents, expediting closing process.
- Conducted thorough reviews of closed loan files for accuracy and completeness.
- Collaborated with underwriters, processors, and loan officers to resolve discrepancies in documentation.
- Prepared and reviewed buyer, seller, HUD and other transaction documents.
- Maintained checklists of required documentation and open issues affecting closings.
- Managed high-volume wire transfer requests efficiently, prioritizing tasks to meet tight deadlines without sacrificing accuracy.
Education
Associate of Science - Business Administration
Northern Virginia Community College
Annandale, VA 05.2001 -
Skills
Analytical thinking
Regulatory Compliance
Policy interpretation
Product Knowledge
Document Management
Problem-Solving
Customer Service-Focused
Payment Processing
Database Research
Negotiation Tactics
Residential mortgage lending regulations
Licensed Mortgage Loan Originator
Underwriting knowledge
Automated Underwriting System (AUS)
Application Review
Adaptability and Flexibility
Software
Certification
Nationwide Multi State Licensing System and Registry
Mortgage Licensing NMLS
License in the States of VA and MD
Timeline
Mortgage Loan Officer
Fulton Mortgage Company Dba Fulton Bank
09.2022 - Current
Licensed Mortgage Loan Originator
Security National Mortgage Company
01.2021 - 09.2022
Business Development Officer
Navy Federal Credit Union
06.2012 - 01.2021
Mortgage Processing/Closer/ Post Closer
Navy Federal Credit Union
10.2011 - 06.2012
Associate of Science - Business Administration
Northern Virginia Community College
05.2001 -