Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

John Lockmiller

Ormond Beach,FL

Summary

Talented Mortgage Loan Officer with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.

Overview

24
24
years of professional experience
1
1
Certification

Work History

Mortgage Loan Officer

Mortgage Solutions Financial
05.2014 - Current
  • Worked with underwriters to fix application problems and resolve issues.
  • 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.
  • Analyzed loan applications and credit reports to determine loan eligibility and risk level.
  • Explained different types of loans pertaining to client situations.
  • Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
  • Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
  • Negotiated loan terms and conditions with clients to maximize profitability.
  • Checked loan documents for accuracy prior to closing.
  • Participated in industry events and conferences to build relationships and gain market intelligence.
  • Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
  • Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
  • Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
  • Managed risk effectively by adhering closely to compliance guidelines during all stages of the loan origination process.
  • Developed strong partnerships with local real estate agents to generate consistent referral sources for mortgages.
  • Monitored pipelines to track and log status of loans.
  • Processed loan applications and monitored progress from start to finish.
  • Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Approved loan applications based on customer creditworthiness and provided detailed financial advice.
  • Assisted customers with completing loan applications and other paperwork.
  • Explained very technical financial information to applicants in easy to understand language.
  • Evaluated loan requests and documents to verify accuracy and completeness.

Mortgage Loan Officer

Frost Mortgage
03.2012 - 05.2014
  • Worked with underwriters to fix application problems and resolve issues.
  • 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.
  • Analyzed loan applications and credit reports to determine loan eligibility and risk level.
  • Explained different types of loans pertaining to client situations.
  • Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
  • Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
  • Negotiated loan terms and conditions with clients to maximize profitability.
  • Developed extensive network of referral partners to source new mortgage loan opportunities.
  • Checked loan documents for accuracy prior to closing.
  • Participated in industry events and conferences to build relationships and gain market intelligence.
  • Reviewed loan files and updated to match current standards.
  • 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.
  • Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
  • Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
  • Managed risk effectively by adhering closely to compliance guidelines during all stages of the loan origination process.
  • Maintained a comprehensive knowledge of current industry trends and regulatory changes to provide expert guidance for clients.
  • Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
  • Monitored pipelines to track and log status of loans.
  • Processed loan applications and monitored progress from start to finish.

Sales Associate

Hi Country Chevrolet
02.2000 - 04.2012
  • Organized racks and shelves to maintain store visual appeal, engage customers, and promote specific merchandise.
  • Helped customers locate products and checked store system for merchandise at other sites.
  • Prepared merchandise for sales floor by pricing or tagging.
  • Rotated stock and restocked shelves to maintain product availability and store appearance.
  • Increased customer satisfaction by providing exceptional service and maintaining a deep knowledge of used car inventory.
  • Boosted sales through effective negotiation skills and personalized recommendations based on customer needs.
  • Developed strong relationships with clients, resulting in repeat business and referrals.
  • Conducted thorough vehicle inspections to ensure quality and safety standards were met before showcasing cars for sale.
  • Collaborated with the finance department to secure competitive financing options for customers, streamlining the buying process.
  • Educated customers on warranty options, guiding them towards informed decisions that best suited their needs.
  • Achieved high levels of customer satisfaction through timely follow-ups and addressing any concerns or issues postsale.
  • Strengthened relationships with lending institutions to offer a broader range of financing options for clients.
  • Contributed to team success by consistently surpassing individual sales targets and contributing towards overall dealership goals.
  • Enhanced buyer experience by offering test drives and facilitating seamless purchase transactions from start to finish.
  • Attended industry conferences and training sessions to stay up-to-date on market trends and emerging technologies within the used automotive sector.
  • Exceeded monthly sales quotas through proactive outreach efforts such as phone calls, emails, and social media engagement with prospective buyers.
  • Collaborated with service department to address any mechanical issues promptly, ensuring customer satisfaction and maintaining the dealership''s reputation for quality.
  • Answered customer questions about products and services, helped locate merchandise, and promoted key items.
  • Engaged in friendly conversation with customer to better uncover individual needs.
  • Listened to customer needs and desires to identify and recommend optimal products.

Education

High School Diploma -

Covina High School
Covina, CA
05.1975

Skills

    • Payment Collection
    • Relationship Selling
    • Sales Forecasting
    • Sales Development
    • Refinancing Options
    • Client Account Management
    • Residential Mortgage Lending Regulations
    • Negotiation Tactics
    • Regulatory Compliance
      • Licensed Mortgage Loan Originator
      • Document Analysis
      • Active Listening
      • Strong Communication
      • Credit Evaluation
      • Analytical Thinking
      • Customer Service
      • Computer Proficiency
      • Attention to Detail

Certification

  • Licensed New Mexico Loan Officer

Timeline

Mortgage Loan Officer

Mortgage Solutions Financial
05.2014 - Current

Mortgage Loan Officer

Frost Mortgage
03.2012 - 05.2014

Sales Associate

Hi Country Chevrolet
02.2000 - 04.2012

High School Diploma -

Covina High School

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John Lockmiller