Mandi Stephens
Molalla,OR
Summary
Results-driven Finance Professional with 20 years of comprehensive experience in financial and mortgage services. Positive and motivated self-starter that has achieved top performer status in multiple sales roles. Proficient in building relationships, problem solving and closing. Excellent interpersonal and communication skills. Ability to work independently, with a strong desire to progress and grow with a long term career with a reputable company.
Overview
8
8
years of professional experience
Work History
Certified Reverse Mortgage Specialist
C2 Financial
San Diego, CA
05.2024 - Current
- Conducted loan origination activities including customer interviews and financial analysis.
- Managed workflow processes throughout the life cycle of a loan application; from initial contact through closing.
- Maintained an up-to-date knowledge of industry trends and regulations regarding reverse mortgages.
- Reviewed credit reports, appraisals, title policies, and other related documents for accuracy and completeness.
Reverse Mortgage Professional
Finance of America Reverse
Tulsa, OK
08.2023 - 04.2024
- Answered incoming calls and provided highest level of professionalism and knowledgeable service to every customer.
- Answered, screened and processed high volume of calls daily with call management system and web-based communications.
- Analyzed applicants' financial status and credit and property evaluation to determine feasibility of reverse mortgage financing.
Branch Manager / Sr Loan Officer
Churchill Mortgage Corporation
McMinnville, OR
07.2022 - 08.2023
- Established and built business relationships through targeted outreach.
- Boosted referral base, acquiring new partners and borrowers.
- Complied with regulatory, company policies and government regulations.
- Developed and maintained relationships with local real estate agents.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Oversaw loan process from origination through closing to check that every client received exemplary service.
- Managed and mentored loan officers to develop and maintain market share.
Team Sales Manager
Caliber Home Loans
Salem, OR
01.2020 - 07.2022
- Developed sales plans, goals, strategies and objectives to achieve team goals and revenue objectives.
- Maintained professional network of potential clients and business partners.
- Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
- Developed and maintained relationships with local real estate agents.
- Successfully managed and closed average of $3,000,000 per month team volume.
Licensed Mortgage Broker
Nexa Mortgage, LLC
Salem, OR
10.2019 - 01.2022
- Collaborated with and facilitated communications between borrowers and lenders to obtain ideal loan match for the borrowers.
- Developed and maintained relationships with local real estate agents.
- Successfully closed average of $2.200,000 per mo
Loan Officer
Willamette Valley Bank
Keizer, OR
01.2017 - 11.2019
- Built business from scratch through networking, social media marketing, and staying involved in the community.
- Developed and maintained business relationships and referral partners.
- Became a trusted resource for real estate agents, clients and business professionals.
- Grew business by over 150% each year.
Skills
- Credit Analysis
- Loan Feasibility Assessment
- Pipeline Management
- Compliance
- Finance expertise
- Finance assessment
- Financial statement review
- Solution structuring
- Compliance assessments
- Customer Relations
- Credit assessments
- Loan request evaluation
- Documentation preparation
- Portfolio Management
- Collateral risk
- Risk Assessment
- Sales Support
- Customer Acquisition
- Financial statement analysis
- Credit analysis
- Financial ratio calculation
- Creditworthiness Determination
Timeline
Certified Reverse Mortgage Specialist
C2 Financial
05.2024 - Current
Reverse Mortgage Professional
Finance of America Reverse
08.2023 - 04.2024
Branch Manager / Sr Loan Officer
Churchill Mortgage Corporation
07.2022 - 08.2023
Team Sales Manager
Caliber Home Loans
01.2020 - 07.2022
Licensed Mortgage Broker
Nexa Mortgage, LLC
10.2019 - 01.2022
Loan Officer
Willamette Valley Bank
01.2017 - 11.2019
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