Jerome Jones
Summary
Knowledgeable in all credit procedures. High-achieving Business Development Representative bringing expertise in marketing, sales and operations. Consults with customers, builds strong relationships and increases sales numbers.
Overview
16
16
years of professional experience
Work History
Mortgage Consultant
Prosperity Home Mortgage, LLC
01.2022 - Current
- Oversaw sales and underwriting processes of mortgage lending office.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Explained different types of loans pertaining to client situations.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Negotiated loan terms and conditions with clients to maximize profitability.
Loan Production Analyst
Mutual Of Omaha Mortgage
07.2019 - 01.2022
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Set up and completed loan submission packages.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
Mortgage Loan Originator
Statewide Mortgage, LLC
09.2017 - 07.2019
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Worked with underwriters to fix application problems and resolve issues.
- Explained different types of loans pertaining to client situations.
- Prepared documents for customers, submitting and overseeing through each step of closing process.
- Interviewed applicants to assess loan requirements before suggesting offers.
- Collaborated with real estate agents, financial advisor's and accountants to attract clients and enhance beneficial partnerships.
- Fielded customer complaints and provided solutions.
Business Development Coordinator
First Rate Mortgage ( Acquired By Statewide)
06.2013 - 09.2017
- Boosted revenue by bringing in and cementing relationships with new clients and optimizing servicing of existing customer accounts.
- Generated new business with marketing initiatives and strategic plans.
- Executed calling campaigns targeting direct end-user prospective accounts.
- Planned marketing initiatives and leveraged referral networks to promote business development.
- Maintained extensive knowledge of company products and services to provide top-notch expertise to customers.
- Utilized knowledge of industry trends to develop value-added solutions and approaches for target audiences.
- Continually maintained and improved company's reputation and positive image in markets served.
Mortgage Loan Underwriter
Discover Home Loans
06.2012 - 12.2012
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Maintained mortgage program compliance with federal agencies such as HUD and FNMA.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Verified integrity of applicants' information to minimize fraud.
Mortgage Underwriter/Mortgage Closer
Home Loan Center, DBA Lending Tree
03.2011 - 06.2012
- Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
- Reviewed titles, insurance and flood zone certifications to meet closing standards for each property.
- Prepared preliminary settlement statements and loan closing instructions for review by title companies and closing agents.
- Maintained checklists of required documentation and open issues affecting closings.
- Delivered positive customer experiences and successful deal closures through open, constructive communications.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Verified integrity of applicants' information to minimize fraud.
Mortgage Banker/Conventional Mortgage Underwriter
Surepoint Lending ( Acquired By LendingTree)
01.2008 - 03.2011
- Worked with underwriters to fix application problems and resolve issues.
- Evaluated client financial positions and identified most appropriate banking products.
- Located and pre-qualified customers for mortgages.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Education
MBA - Business Administration
Indiana Wesleyan University
Marion, IN12.2024
Bachelor of Arts - Communications
University of Louisville
Louisville, KY05.2005
Skills
- Business Development
- Financial Advising
- Financial Services
- Quality Control
- Relationship Building and Management
- Sales Forecasting
- Residential Mortgage Lending Regulations
- Loss Protection
- Risk Mitigation
- File Management
- Decision-Making
- Lending Software Systems
Timeline
Mortgage Consultant
Prosperity Home Mortgage, LLC
01.2022 - Current
Loan Production Analyst
Mutual Of Omaha Mortgage
07.2019 - 01.2022
Mortgage Loan Originator
Statewide Mortgage, LLC
09.2017 - 07.2019
Business Development Coordinator
First Rate Mortgage ( Acquired By Statewide)
06.2013 - 09.2017
Mortgage Loan Underwriter
Discover Home Loans
06.2012 - 12.2012
Mortgage Underwriter/Mortgage Closer
Home Loan Center, DBA Lending Tree
03.2011 - 06.2012
Mortgage Banker/Conventional Mortgage Underwriter
Surepoint Lending ( Acquired By LendingTree)
01.2008 - 03.2011
MBA - Business Administration
Indiana Wesleyan University
Bachelor of Arts - Communications
University of Louisville
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