JOHN G. BARNES

Emporia,VA

Summary

Expert in Mortgage Leading Specialist in Client / Customer Relations Leader in Creative Problem-Solving Qualifications for Mortgage Underwriting / Leadership Dynamic Leader Dedicated to Optimizing Underwriting Practices & Delivering Services Excellence MORTGAGE UNDERWRITING ANCILLARY PRODUCTS MARKETING REGULATORY COMPLIANCE CLIENT / LENDER RELATIONS STRATEGIC ANALYSIS / PLANNING NEEDS ASSESSMENT TRENDS TRACKING SALES BRANCH MANAGEMENT TEAM BUILDING / TRAINING / LEADERSHIP COLLECTION / DELINQUENT ACCOUNTS RISK MITIGATION NEW BUSINESS DEVELOPMENT ACCOUNTS MANAGEMENT CONFLICT RESOLUTION PROCESS OPTIMIZATION.

Overview

years of professional experience

Certification

Work History

Mortgage Loan Officer

Truist Bank

2020.11 - 2022.07

Worked with underwriters to fix application problems and resolve issues.
Reviewed loan files and updated to match current standards.
Explained different types of loans pertaining to client situations.
Fielded customer complaints and provided solutions.
Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.

Fraud Analyst

PROFESSIONALSYNOPSIS, BANK OF AMERICA – DEERFIELD CAMPUS, CORPORATE

2016.01 - 2020.01

Capitalized on the opportunity to lead forward-thinking fraud analysis initiatives, including reviewing customer accounts for the prevention and detection of key fraud, as well as participating in risk-mitigating research and analysis
Spearheaded inbound and outbound calls to take appropriate action based on transaction characteristics of greater complexity
Ensured seamless back office operations related to the research and resolution of fraudulent activities
Expertly assessed level of risk to make decisions to positively impact BoA and the customer experience
Proactively reviewed and analyzed accounts and key customer challenges requiring specialized resolutions.

General Manager

TITLEMAX TITLE LOANS

2015.01 - 2016.01

Leveraged broad scope of industry knowledge toward directing fast-paced title loan operations, including ensuring all sales transactions and collection of delinquent accounts were performed with consistently superior customer service
Regularly participated in marketing, advertising, and community involvement initiatives while preparing and analyzing comprehensive company reports and communicating information as necessary to various levels of management teams
Increased store profitability through customer relationship development
Optimized team performance potential by coaching and mentoring all employees
Boosted profits 40% by driving dynamic marketing efforts throughout the local community.

Branch Manager

ONEMAIN FINANCIAL CITIFINANCIAL

2006.01 - 2015.01

Strategically steered results-focused, $25-million branch operations via profitable personal loan and real estate loan receivables, including managing a top-notch team of five (5) Account Executives and one (1) Assistant Sales Manager
Recruited, trained, coached, and mentored new applicants to boost personal performance results
Processed loan applications and handled office administration activities
Oversaw foreclosure packages of delinquent customers
Actively met sales and delinquency goals on a monthly, quarterly, and annual basis
Coordinated branch collections efforts of all 30-, 60-, and 90-day delinquent accounts
Increased annual sales 20% by incorporating quality process improvements within the branch
Promoted customer counseling in face-to-face collection efforts to bring delinquent accounts up-to-date.

Education

N/A - Marketing & Journalism Studies

ESSEX COUNTY COLLEGE, Newark, NJ

Skills

Client Account Management
COBAL Expertise
Sales Forecasting

Sales Development
Credit Check Knowledge
Negotiation Tactics

Certification

Licensed: NMLS 237539

Timeline

Mortgage Loan Officer - Truist Bank

2020.11 - 2022.07

Fraud Analyst - PROFESSIONALSYNOPSIS, BANK OF AMERICA – DEERFIELD CAMPUS, CORPORATE

2016.01 - 2020.01

General Manager - TITLEMAX TITLE LOANS

2015.01 - 2016.01

Branch Manager - ONEMAIN FINANCIAL CITIFINANCIAL

2006.01 - 2015.01

ESSEX COUNTY COLLEGE - N/A, Marketing & Journalism Studies

Licensed: NMLS 237539