JOHN LIGHTBOURNE
Avon,CT
Summary
Extensive experience in sales and customer service in a retail banking environment. Demonstrate an ability to achieve as well as exceed individual and team goals. Proven leader, self starter and influencer of fellow team members. Ability to generate new business through outbound contacts. Able to educate customers while satisfying their financial needs. Capacity to prioritize and manage time effectively while multitasking. Skilled at learning new concepts quickly and communicating effectively. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
17
17
years of professional experience
Work History
Senior Loan Processor
Webster Bank - HSA Bank
Southington, CT
08.2021 - Current
- Review and verify borrowers income, credit reports & employment histories to prepare loan applications for Underwriting submission
- Ensure all files are complete prior to sending to Underwriting, including collecting missing documentation
- Work directly with borrowers, loan officers & Underwriters
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants
- Order necessary documentation ie; written verification of employment, credit supplements & updates
- Provide borrowers with timely and periodic status updates on loan applications
- Customer-centric approach to each interaction with borrowers
- Manage dual pipelines of both the Retail Mortgage & Consumer applications
- Ensure a best in class customer experience
Seeking a Loan Processor Position- Webster Bank
Endurix Staffing & Recruiting
Southington, CT
01.2021 - 08.2021
- Review and verify borrowers income, asset and employment documents along with credit reports to
prepare loan applications for Underwriting submission - Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
- Developed and maintained relationships with customers and loan officers to establish a smooth loan process.
- Manage a pipeline of up to 60 home loan applications including purchases & refinances
Personal Banker
Santander Bank N.A
West Hartford, CT
08.2019 - 09.2020
- Made connections with customers in the branch and over the phone
- Assessed customer needs by asking genuine questions to identify opportunities to help achieve financial goals at present and in the future
- Provided expertise on Santander Consumer & Business products and services to recommend the best solutions based on customer needs
- Delivered solutions directly as well as leveraged Mortgage & Investment partners
- Ensured an outstanding customer experience in every interaction with timely follow up and appropriate escalation
Relationship Manager/ Small Business Specialist
Bank of America N.A
Simsbury, CT
02.2016 - 07.2019
- Focus on deepening relationships by demonstrating a commitment to making financial lives better
- Offering appropriate financial solutions and services to both Consumer & Small business clients
- Meeting the unique priorities of my clients such as managing expenses & debt, saving for unexpected life events and home ownership
- Knowledge of banking credit and deposit products and services specialists by fostering teamwork and collaboration
- Expert customer service skills and the ability to resolve issues independently
Licensed Real Estate Salesperson
Citi Habitats
New York, NY
07.2014 - 01.2016
- Assisted clients in finding their ideal properties by carefully assessing their needs and preferences.
- Assisted in the negotiation of lease agreements for rental properties, ensuring fair terms for landlords and tenants alike
- Responsible for protecting and promoting client’s interests
- Educate clients regarding the required documentation to complete the transaction
- Advertise listed properties to other realtors or potential buyers, sellers, or renters
- Schedule showings & arrange open house events to attract prospective clients
- Facilitate and coordinate the closing on behalf of the client
- Maintained connections with clients to encourage repeat business and referrals
- Provided exceptional customer service by promptly addressing concerns, resulting in high client satisfaction ratings
Personal Banker
Wells Fargo Bank N.A
New York, NY
11.2010 - 04.2014
- Sold retail banking products and services to customers and prospects
- Used profiling analysis to identify cross-sell opportunities and ensured perfect service
- Developed relationships with partners to maximize sales opportunities and exceed goals
- Reached bronze to gold level sales production on a quarterly basis
- Chosen as the small business champion of the branch
- Generated new business by conducting thorough financial needs assessments and offering tailored products to clients.
- Improved customer satisfaction by providing personalized banking solutions and exceptional service.
Mortgage Loan Officer
JP Morgan Chase Bank
The Bronx, NY
02.2007 - 11.2008
- Increased mortgage loan portfolio by developing business contacts and attracting customers
- Met with applicants to obtain information for loan applications and informed them of the process
- Analyzed applicants financial status, credit and property evaluations to determine viability of the loan
- Increased loan approval rates by efficiently managing pipeline and maintaining strong relationships with borrowers, realtors, and underwriters.
- Assessed borrowers' financial situations to determine appropriate mortgage products and loan structure.
- Worked with underwriters to fix application problems and resolve issues.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
Education
Some College (No Degree) -
CUNY Herbert Lehman College
The Bronx, NYRegents Diploma -
Bronx H.S of Science
The Bronx, NY06.1996
Timeline
Senior Loan Processor
Webster Bank - HSA Bank
08.2021 - Current
Seeking a Loan Processor Position- Webster Bank
Endurix Staffing & Recruiting
01.2021 - 08.2021
Personal Banker
Santander Bank N.A
08.2019 - 09.2020
Relationship Manager/ Small Business Specialist
Bank of America N.A
02.2016 - 07.2019
Licensed Real Estate Salesperson
Citi Habitats
07.2014 - 01.2016
Personal Banker
Wells Fargo Bank N.A
11.2010 - 04.2014
Mortgage Loan Officer
JP Morgan Chase Bank
02.2007 - 11.2008
Some College (No Degree) -
CUNY Herbert Lehman College
Regents Diploma -
Bronx H.S of Science