Jason Rose
Inwood,WV
Summary
Detail-oriented loan officer with several years of experience. Adept at planning and working with clients for long periods of time. Committed to accuracy and financial success.
Seasoned loan officer with robust background in mortgage and commercial lending. Skilled in evaluating financial information, assessing risk, and making informed loan approval decisions. Strengths include effective communication with clients to understand needs and providing tailored financial solutions. Demonstrated ability to improve loan processes resulting in increased customer satisfaction and efficiency gains.
Overview
26
26
years of professional experience
Work History
Mortgage Loan Officer
Summit Community Bank
Martinsburg, West Virginia
07.2015 - 05.2024
- Ensured compliance with all federal, state and local regulations related to mortgage lending.
- Developed relationships with real estate agents, builders and other referral sources in order to generate business leads.
- Attended industry events and seminars in order to stay abreast of changes in the mortgage banking industry.
- Created reports summarizing activities such as originations, denials and delinquencies.
- Conducted interviews with prospective clients to gather information regarding loan applications.
- Participated in team meetings, trainings conducted by management staff regarding updates on products, services offered by the company.
- Evaluated existing customer accounts for refinancing opportunities or additional services offered by the company.
- Interacted with title companies, attorneys, surveyors and other third parties involved in the loan process.
- Resolved borrower complaints in a timely manner while providing excellent customer service.
- Reviewed appraisals to ensure accuracy and completeness prior to submission to underwriting department.
- Assessed customer financial status and credit worthiness to determine eligibility for mortgage loans.
- Processed new loan applications in accordance with established guidelines.
- Negotiated terms and conditions of loan agreements with borrowers.
- Provided guidance on various types of mortgages such as FHA loans, VA loans, conventional loans.
- Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility.
- Maintained current knowledge of secondary market trends, government programs and other available financing sources.
Executive Vice President
Jarrettsville Federal trust
Jarrettsville , Maryland
01.2012 - 03.2014
- Provided guidance on strategic decisions to ensure objectives are met.
- Oversaw the development of new products or services from concept through launch.
- Led the recruitment of top-level executives for various departments within the organization.
- Established key performance indicators to measure success of projects or initiatives.
- Ensured compliance with all relevant government regulations and policies.
- Reviewed reports produced by internal teams regarding operational performance metrics.
- Developed and implemented strategies to maximize organizational efficiency and profitability.
- Identified areas for improvement in processes or procedures related to organizational goals.
- Analyzed market trends and customer feedback to identify potential business opportunities.
- Negotiated contracts with vendors, suppliers, customers and partners.
- Mentored junior staff members on best practices related to operations management.
- Organized and oversaw capital improvement projects to maintain business viability.
- Collaborated with several top clients on various issues.
- Implemented organization's overall mission and vision and assessed employees' job satisfaction in workplace.
Business Development Manager
NBRS financial / Howard Bank
Rising Sun, Maryland
10.2008 - 01.2012
- Drafted proposals for prospects in response to their requests for information.
- Identified potential clients, built relationships, and negotiated contracts.
- Prepared reports on sales performance metrics such as revenue growth rate, conversion rates and lead-to-customer ratios.
- Analyzed customer feedback to identify areas for improvement in products and services offered.
- Monitored competitors' activities, prices, products, and services in order to stay ahead of the competition.
- Collaborated with internal teams for successful execution of projects.
- Negotiated contracts with vendors, suppliers, partners, and customers.
- Conducted research on industry trends, competitor activities, and customer needs.
- Researched target markets to understand the needs of current and potential customers.
- Developed and implemented strategies to increase sales and market share.
- Attended tradeshows and conferences to network with potential clients.
Regional Manager
PNC Bank
Baltimore
06.1998 - 10.2008
- Created and maintained relationships with key customers in the region.
- Maintained a high level of professionalism when interacting with customers or vendors in person or over phone and email communication.
- Managed regional operations including inventory control, staffing levels, logistics, customer service.
- Evaluated customer feedback and adjusted company processes accordingly.
- Established goals, objectives, policies, procedures, and standards of performance for all personnel in the region.
- Developed and implemented strategies to increase market share in the region.
- Analyzed regional financial data to identify areas of growth opportunities.
- Developed annual budgets for each district within the region.
- Participated in job fairs throughout the year to recruit qualified candidates for open positions in the region.
- Reviewed monthly reports from individual districts regarding sales figures and other metrics.
Education
Graduate Management School - Business
Maryland Banker School
Baltimore06-2004
High School Diploma -
C Milton Wright
Bel Air, MD05-1998
Some College (No Degree) - Finance
University of Maryland, Baltimore
Baltimore, MDSkills
- Relationship selling
- Loan management
- Loan product sales
- Underwriting
- Financial analysis
- Negotiation tactics
- Loan origination
- Pre-approval process
- Goal oriented
- Client account management
- Licensed mortgage loan originator
- Credit evaluation
- Sales development
- Regulatory compliance
- Loan product promotion
- Residential mortgage lending regulations
Timeline
Mortgage Loan Officer
Summit Community Bank
07.2015 - 05.2024
Executive Vice President
Jarrettsville Federal trust
01.2012 - 03.2014
Business Development Manager
NBRS financial / Howard Bank
10.2008 - 01.2012
Regional Manager
PNC Bank
06.1998 - 10.2008
Graduate Management School - Business
Maryland Banker School
High School Diploma -
C Milton Wright
Some College (No Degree) - Finance
University of Maryland, Baltimore