Johnnette Blakley
Dacono,CO
Summary
Knowledgeable leadership professional with over 20 years of experience bringing planning and problem-solving abilities. Focused on maximizing resource utilization to support scalable operations and increase bottom-line profitability. Organized and systematic with natural relationship-building and leadership talents.
Overview
20
20
years of professional experience
1
1
Certification
Work History
AVP of Residential Lending
Centennial Lending, LLC
Firestone, CO
06.2021 - Current
- Manage and lead a team of loan originators and loan processors, overseeing their daily operations, providing guidance and support, and ensuring compliance with lending regulations. Implemented strategies to optimize team performance and achieve departmental goals.
- Exercising discretion and independent judgment in fulfilling Assistant Vice President (AVP) duties, including strategic decision-making, team leadership, and process optimization. Applying expert knowledge of industry practices and regulations to drive initiatives and achieve departmental objectives. Demonstrating a strong proactive approach to problem-solving
- Provide strategic support and guidance to partner credit unions, facilitating loan origination processes, ensuring compliance with lending regulations, and fostering strong, mutually beneficial relationships. Collaborate with credit union teams to develop tailored lending solutions and achieve shared business objectives.
- Monitor and ensure the achievement of service level standard goals, maintaining a high level of performance and customer satisfaction. Implemented effective strategies to optimize team efficiency and workflow, leading to consistently met or exceeded service level standards.
- Demonstrate a commitment to integrity, expertise, service, and innovation in all aspects of work. Upholding the highest ethical standards while leveraging deep industry knowledge to deliver exceptional service and drive continuous improvement. Proactively sought innovative solutions to address challenges and enhance operations.
- Distinguished as a seasoned expert in Conventional lending, FHA lending, VA lending, and industry standards. Possess a comprehensive understanding of underwriting guidelines, loan origination processes, and compliance requirements across various lending programs. Continuously staying abreast of industry trends and regulations to provide accurate guidance and ensure adherence to best practices.
- Maintain an active license with the Nationwide Multistate Licensing System (NMLS), ensuring compliance with regulatory requirements for mortgage loan origination. Uphold a strong understanding of NMLS policies and procedures, contributing to a seamless and compliant loan origination process.
First Mortgage Loan Manager
Blue Federal Credit Union
Cheyenne, WY
03.2018 - 06.2021
- Lead, Coach and Manage a team of four remote mortgage loan officers and a mortgage loan officer specialist
- Duties include setting annual goals, daily individual check-ins, meeting for monthly one-on-ones with each MLO, carry out monthly team meetings, provide guidance, coach, encourage, mentor, manage schedules and personal time off, conflict resolution, and assist in problem solving
- Exercise discretion and independent judgment of my mortgage manager duties
- Decision on mortgage loans in process for portfolio or sale on the secondary market with Fannie Mae and FHLB investors
- Manage FHLB portfolio for credit risk, delivery commitments and gain on sales
- Prepare and deliver daily and monthly production reports
- Process and manage a small mortgage pipeline for overflow, escalated or delicate files
- Knowledgeable on SAFE ACT, Dodd/Frank, RESPA, TILA, HMDA, and Gramm-Leach-Bliley
- Work with the executive leadership team on strategic planning
- Network with community leaders
- Attend mortgage related conferences
- NMLS licensed.
Mortgage Loan Officer
Centennial Lending, LLC
Firestone, CO
07.2012 - 02.2018
- Assessed borrower(s) for partner credit unions to obtain a mortgage product that fit their individual needs and qualifications
- Managed a pipeline that consisted of sales to Fannie Mae, FHA, VA, USDA and Portfolio loans
- Provided a high level of service by being the main point of contact for all communications with borrower, partner credit union and third parties
- Process loan applications from online website, in person or by phone
- Review credit, income and run Desktop Underwriter
- Evaluate recommendation from Desktop Underwriter, communicate decision with borrower and partner credit union and prepare early disclosures
- Quote and lock interest rates
- Communicate underwriter conditions and prepare loans for closing
- Monitor and manage purchase contract deadlines
- Communicate Adverse Actions in a timely, professional manner
- Provide good communication, knowledge, and competence with questions, certain loan aspects, and specific situations
- Maintained appropriate licensure with NMLS including specific individual states.
Teller/Member Service Consumer Loan Officer
Norbel Credit Union/Security Service FCU
Longmont, CO
09.2003 - 07.2012
- Process teller transactions for members and co-op members
- Open new membership accounts and make recommendations on products and services
- Meet with members during a consumer loan process to find the best product that meets their needs
- Take applications, underwrite, generate disclosures and close loans for personal, vehicle, credit card, second mortgages, HELOC and small business loans
- Notarize legal documents
- Maintain cash vault and orders from the Federal Reserve
- Audit teller cash drawers and vaults
- Opening and closing of branches following specific opening and closing duties
- Review and send prior days documents to corporate.
Education
High School Diploma -
Longmont High School
Longmont, CO08-1997
Skills
- Operations Management
- Mortgage Related Industry Standards and Regulations
- Strategic Planning
- Internal and External Communications
- Strong Relationship Building
Certification
- NMLS Licensed in Arizona, Colorado, Idaho, Iowa, Nebraska, New Mexico, Oklahoma, Oregon, and Wyoming.
Timeline
AVP of Residential Lending
Centennial Lending, LLC
06.2021 - Current
First Mortgage Loan Manager
Blue Federal Credit Union
03.2018 - 06.2021
Mortgage Loan Officer
Centennial Lending, LLC
07.2012 - 02.2018
Teller/Member Service Consumer Loan Officer
Norbel Credit Union/Security Service FCU
09.2003 - 07.2012
High School Diploma -
Longmont High School
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