Joni Miller
Mortgage Sales
Easthampton,MA
Summary
Organized Mortgage Loan Officer with 40 years of experience in . Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations. Accomplished Loan Officer dependable in building 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
15
15
years of professional experience
Work History
Mortgage Loan Originator
Homesteadfunding Corp
04.2023 - Current
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Explained different types of loans pertaining to client situations.
- Worked with underwriters to fix application problems and resolve issues.
- 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 extensive network of referral partners to source new mortgage loan opportunities.
- Monitored portfolio performance and provided clients with periodic updates on loan progress.
Mortgage Loan Originator
Mortgage Network, Inc.
11.2016 - 04.2023
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Explained different types of loans pertaining to client situations.
- Worked with underwriters to fix application problems and resolve issues.
- 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 extensive network of referral partners to source new mortgage loan opportunities.
Mortgage Loan Originator
First Niagara Bank
03.2009 - 11.2016
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Explained different types of loans pertaining to client situations.
- Worked with underwriters to fix application problems and resolve issues.
- Prepared documents for customers, submitting and overseeing through each step of closing process.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Developed and implemented marketing campaigns to generate new business opportunities.
Wholesale Account Executive
Bear Stearns
05.2008 - 06.2009
- Gathered customer data and updated CRM systems to drive outbound sales efforts.
- Liaised with underwriting team to drive continuous improvement in wholesale program.
- Coordinated new customer training and orientations to meet customer needs and objectives.
- Traveled throughout assigned territory to visit current customers and prospect for new business.
- Fostered long-term relationships with customers to earn repeat business and encourage referrals.
Education
Associate of Science - Retail Management
Cape Cod Community College
West Barnstable, MASkills
- Application Verification
- Motivational Techniques
- Knowledge of VA Loan Process
- Desktop Underwriting Expertise
- Sales Forecasting
- Pre-Approval Process
- Oral and Written Comprehension
- Loan Product Promotion
Timeline
Mortgage Loan Originator
Homesteadfunding Corp
04.2023 - Current
Mortgage Loan Originator
Mortgage Network, Inc.
11.2016 - 04.2023
Mortgage Loan Originator
First Niagara Bank
03.2009 - 11.2016
Wholesale Account Executive
Bear Stearns
05.2008 - 06.2009
Associate of Science - Retail Management
Cape Cod Community College
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