Joe Swearingen
Vancouver,USA
Summary
Dynamic and seasoned financial professional with a successful track record in both bank management and loan origination. With over 20 years of experience in the financial industry, I have demonstrated proficiency in leading teams to achieve sales goals, ensuring operational efficiency, and delivering top-notch customer service. As a skilled loan officer, I have a proven ability to analyze complex financial data, assess creditworthiness, and structure loan solutions tailored to clients' needs. With a strong focus on regulatory compliance, risk management, and business development, I am committed to driving profitability and fostering client relationships. Seeking to leverage my combined expertise in bank management and lending to drive growth and success.
Overview
20
20
years of professional experience
Work History
Carpenter
Tiger Exteriors NW
2023.03 - Current
- Study blueprints, sketches, and project specifications to understand the scope of work and materials required.
- Measure and cut wood, metal, and other materials to precise dimensions using hand and power tools such as saws, drills, and chisels
- Install roofing materials such as shingles, tiles, or metal panels.
- Identify and resolve construction challenges or issues that arise during the course of a project.
Loan Officer
Primary Residential Mortgage, Inc.
2020.01 - 2023.09
- Analyzed financial data to assess risk factors.
- Conducted initial interviews and maintained ongoing communication with applicants and clients to ensure accuracy of information. Managed credit and loan documentation processes, liaising with clients to obtain supplementary details for loan applications.
- Facilitated loan approval processes by either issuing checks directly or by forwarding applications to the loan committee for review and decision-making.
- Presented thoroughly reviewed loan applications to management for final approval or rejection decisions.
- Managed scheduling and tracking of closing dates, contingency dates, and loan lock expirations to ensure timely completion of transactions.
- Expedited the completion of loan contracts by educating applicants on associated risks, meticulously reviewing completed applications, obtaining necessary signatures and notarizations, and efficiently collecting applicable fees.
- Oversaw and coordinated multiple lead generation programs.
Wealth Management Lending Officer
Bank of America
2014.09 - 2018.12
- Established strategic partnerships with numerous licensed financial advisors to offer tailored home financing solutions to their clients.
- Served as a trusted advisor to high-net-worth clients, understanding their unique financial goals, liquidity needs, and borrowing preferences.
- Performed comprehensive financial reviews and needs assessments to identify lending opportunities aligned with clients' wealth management objectives.
- Conducted thorough risk assessments and due diligence to mitigate credit risk and ensure compliance with internal policies and regulatory requirements.
- Communicated proactively with clients and advisors throughout the lending process, providing updates, addressing inquiries, and resolving issues as needed.
- Built and maintained strong relationships with clients, financial advisors, and other key stakeholders, ensuring a seamless and personalized lending experience.
Banking Center Manager
Bank of America
2011.05 - 2014.09
- Drove the achievement of sales targets and objectives through proactive sales initiatives, client engagement, and relationship building.
- Continuously monitor sales performance metrics, analyze trends, and identify areas for improvement to enhance overall sales effectiveness.
- Ensured adherence to operational processes, procedures, and service standards to deliver a seamless and efficient client experience.
- Collaborated with cross-functional teams to streamline processes, resolve operational issues, and mitigate operational risks.
- Upheld the highest standards of regulatory compliance and ethical conduct in all aspects of sales and operational activities.
- Conducted performance evaluations, recognize achievements, and address performance issues in a timely and constructive manner.
- Fostered a culture of continuous improvement and innovation to drive operational excellence and exceed client expectations.
Infantryman
Washington Army National Guard / United States Army
2004.02 - 2010.02
- Adapted to changing environments, work under pressure, and collaborate effectively with team members.
- Conducted infantry operations in diverse environments, including urban, mountainous, and desert terrain.
- Conducted route clearance operations and secure key terrain features to enable maneuverability of friendly forces.
- Continuously developed and refined infantry skills, tactics, and techniques to adapt to evolving threats and operational environments.
- Followed orders and instructions from squad leaders and officers while demonstrating initiative and leadership in challenging situations.
Education
Other - Business
Clark College
Vancouver, WA12.2019
Skills
- Leadership experience
- Financial Analysis
- Loan Origination
- Customer Relationship Management
- Regulatory Compliance
- Risk Management
- Financial Product Knowledge
- Remote work experience
Timeline
Carpenter
Tiger Exteriors NW
2023.03 - Current
Loan Officer
Primary Residential Mortgage, Inc.
2020.01 - 2023.09
Wealth Management Lending Officer
Bank of America
2014.09 - 2018.12
Banking Center Manager
Bank of America
2011.05 - 2014.09
Infantryman
Washington Army National Guard / United States Army
2004.02 - 2010.02
Other - Business
Clark College
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