John Golobic Jr
Loan Officer And Financial Consultant
St. Louis,MO
Summary
Well accomplished loan officer with success in client engagement and connection building. Decisive, passionate and devoted to outperforming expectations while following financial regulations and maintaining mathematical accuracy. Attentive, resourceful and personable with clients.
Overview
13
13
years of professional experience
8
8
years of post-secondary education
Work History
Mortgage Loan Officer NMLS# 2184489
Veterans United Home Loans
07.2021 - Current
- Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
- Conducted over 50 calls daily with underwriters, clients, and teammates
- Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
- Increased loan approval rates by efficiently managing pipeline and maintaining strong relationships with borrowers, realtors, and underwriters.
- Negotiated favorable terms on behalf of clients, ensuring their long-term financial success with their mortgage loans.
- Maintained comprehensive knowledge of current industry trends and regulatory changes to provide expert guidance for clients.
- Mentored junior loan officers to improve team performance and meet organizational goals.
- Fielded customer complaints and provided solutions.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Assessed loan portfolios for compliance with underwriting policies.
- Continuously learned new mortgage products and processes to better clients
- Checked loan documents for accuracy prior to closing.
- Researched and updated industry knowledge on changing legislation and regulations.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
Senior Sales & Financial Consultant
Enterprise Car Sales
9 2018 - 07.2021
- Conducted sales calls to bring customers in & sold vehicle inventory.
- Gained leads from banks/rental offices by marketing & relationship building.
- Conducted meetings & training sessions with bank & rental employees for leads.
- Helped customers with financing, sold financial products, & finalized transactions.
- Provided leadership and sales training to other sales consultants.
- Vehicle protection product penetration.
- Met sales goals and maintained exceptionally high customer service standards.
- Demonstrated products and features to customers, answered questions and overcame objections.
- Facilitated relationships with target accounts through implementation of proven networking methods.
Assistant Manager
Enterprise Rent-a-Car
08.2017 - 08.2018
- Managed car rental branch and maintained insurance & body shop relations.
- Sold protection products and met very high customer service standards.
- Multi-tasked every day with reservations, payments, car detailing, collecting debts.
- Coordinated fleet management logistics between customers and other branches.
- Handled customer complaints, claims for damaged vehicles, and service issues.
- Asset management.
- Initiated and coordinated claims with customers for damaged vehicles.
- Coordinated repairs for vehicles with shops.
- Maintained continuous maintenance for fleet vehicles.
Business Development
Assured Partners Of Missouri
02.2017 - 08.2017
- Business Development.
- Analyzed data and conducted research on companies and insurance products.
- Conducted project management.
- Met with clients for risk management.
Finance and Sales Intern
State Farm
10.2014 - 02.2015
- (while full time student).
- Conducted cold calls for bank refinancing (car loans, debit and credit cards).
- Made sales calls & met goals for bank, health and life sectors to generate revenue.
- Conducted data management & analysis and learned about policies Small Packaging and Small Moves.
- Shadowed sales professionals to gain deeper insight into best practices and strategies for maximizing sales revenue.
- Supported sales team with administrative assistance such as coordinating paperwork and responding to basic inquiries.
Mover
Small Packaging And Small Moves
06.2011 - 01.2016
- (while full time student).
- Moved customers and their belongings from one location to another.
- Developed relationships with customers.
- Prevented load shifting or damage by using bracing and strapping techniques.
- Surrounded items in cling film, padded blankets and tape to protect from damage.
- Strapped items down over protective padding to secure throughout transportation.
- Moved furniture and boxes using utility dolly and truck ramp.
Education
Bachelor of Science - Business Administration, Finance
Saint Louis University John Cook School of Business
Saint Louis, MO 08.2012 - 12.2016
High School Diploma -
Oakville Sr. High School
St Louis, MO 08.2007 - 05.2011
Skills
Business Development/Relationship selling
Financial Analysis
Attention to Detail
Adaptability and Flexibility
Negotiation Tactics
Underwriting Analysis
Leadership and Team Building
Presentation and Organizational Skills
Time management
Analytical and Critical Thinking
Credit Analysis
Microsoft Office
Accomplishments
- Mortgage lending NMLS License
- Life and health Insurance License
- Property & Casualty Insurance License
- SAP Certificated
- Bloomberg Certified
Achievements
Veterans United Home Loans: July 2021 to Present
- NMLS Certification and License
- Earned multiple employee of the month awards
- Earned elite bonuses every year for customer service
- Earned elite bonuses every year for closing percentage
- Recommended for management position once one opens up
- Closing percentage was at 11.97% (corporate average is around 7%)
- Earned my support loan specialist (sales assistant that company pays for) after 2 years
- Was #12 in closings in 2023 in STL office (100 officers including managers
- Was #15 in total closings in 2022 in STL office (100 officers including managers)
Enterprise Car Sales
Dealership 01R5 Achievements: March 2020 to July of 2021
- Was on pace for Mexico trip for elite performance before leave
- Ranked 37 out of 1000 sales consultants in the nation
- Personally requested to go to top dealership at 01R5 (high income/high clientele) due to performance
- Attained record breaking sales numbers during June, July, August, and Sept of 2020
- Had highest individual financial sales performance amongst Manchester dealership
- Outsold 2 consultants who were consistently in the top 40 in the nation
- Earned 6 Elite recognitions
- Won MVP Awards with Group 01 for FY 2020: Q4 and FY 2021: Q1 and Q3
Dealership 01R2: September 2018 to February 2020
- Promoted to Senior Sales consultant after 12 months (fastest on record)
- #1 sales consultant at dealership 8 out of 15 months
Rental Branch 1057/0181: August 2017 to May 2018
- Promoted to assistant manager within 8 months (corp avg. is 11 months)
- Earned 6 “Elite” recognitions
- Helped my corporate accounts grow 18% YOY
Timeline
Mortgage Loan Officer NMLS# 2184489
Veterans United Home Loans
07.2021 - Current
Assistant Manager
Enterprise Rent-a-Car
08.2017 - 08.2018
Business Development
Assured Partners Of Missouri
02.2017 - 08.2017
Finance and Sales Intern
State Farm
10.2014 - 02.2015
Bachelor of Science - Business Administration, Finance
Saint Louis University John Cook School of Business
08.2012 - 12.2016
Mover
Small Packaging And Small Moves
06.2011 - 01.2016
High School Diploma -
Oakville Sr. High School
08.2007 - 05.2011
Senior Sales & Financial Consultant
Enterprise Car Sales
9 2018 - 07.2021