Summary
Overview
Work History
Education
Skills
Timeline
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John McCullah

Brooklyn Park,MN

Summary

Accomplished Loan Officer with 12+ years of experience that is dependable in building a customer base and exceeding business goals. Well-versed in loan products and customer engagement strategies. Pursues opportunities to build connections, increase bank revenue, and cement loyalty.

Overview

13
13
years of professional experience

Work History

VP of Real Estate

Border Bank
04.2019 - Current
  • Met or exceeded monthly sales goals by using dynamic interpersonal and tried and true persuasion skills.
  • Increased sales by 10%
  • Developed and maintained lasting customer relationships through quick turnaround and strong communication skills.
  • Explained different types of loans pertaining to client situations.
  • Prepared documents for customers, submitting and overseeing through each step of closing process.
  • Collaborated with sales agents, financial planners and accountants to attract clients and enhance beneficial partnerships.
  • Developed and implemented marketing campaigns to generate new business opportunities.
  • Processed loan applications and monitored progress from start to finish.
  • Researched and updated industry knowledge on changing legislation and regulations.
  • Assessed loan portfolios for compliance with underwriting policies.
  • Explained entire mortgage loan process to borrower.
  • Collaborated with different lenders to find best possible deal for homebuyers.
  • Communicated with clients, processing teams and other third parties to achieve prompt loan closings.

Mortgage Loan Officer

Wells Fargo
01.2014 - 04.2019
  • Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
  • Worked with underwriters to fix application problems and resolve issues.
  • Analyzed loan applications and credit reports to determine loan eligibility and risk level.
  • Negotiated loan terms and conditions with clients to maximize profitability.
  • Developed and implemented marketing campaigns to generate new business opportunities.
  • Proactively identified solutions for customers experiencing credit issues.

Owner

Hopkins Liquor
10.2010 - 01.2014
  • Advertised products and services online, social media and through traditional campaigns to target ideal consumers.
  • Designed business plan to define concept, short-term and long-term goals and strategies.
  • Researched trends and current innovations to determine competition and develop competitive pricing points.
  • Evaluated sales reports and financial statements to manage cash flow and develop techniques to improve business.
  • Participated in business events, conferences and trade shows to promote products and network with business owners and prospective clients.
  • Interviewed and hired ideal candidates to assist with logistics and tasks of business.
  • Managed purchasing, sales, marketing and customer account operations efficiently.
  • Negotiated price and service with customers and vendors to decrease expenses and increase profit.

Education

GED

Skills

  • Sales Development
  • Client Account Management
  • IBM Notes
  • Mortgage Plan Advising
  • Marketing Expertise
  • Networking and Partnership Development
  • Negotiation Tactics
  • Loan Product Promotion
  • Document Analysis
  • Loan Portfolio Growth
  • Mortgage Loan Origination
  • NMLS Registration
  • Fraud Prevention and Detection
  • Payment Collection
  • Complete Loan Applications
  • Financial Analysis
  • Microsoft Office
  • Underwriting Support

Timeline

VP of Real Estate

Border Bank
04.2019 - Current

Mortgage Loan Officer

Wells Fargo
01.2014 - 04.2019

Owner

Hopkins Liquor
10.2010 - 01.2014

GED

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John McCullah