Joseph A Falla
Elizabeth,NJ
Summary
Mortgage lending professional with comprehensive experience in loan origination and client advisement. Proven ability to streamline loan processing and ensure adherence to regulatory requirements while maintaining strong client relationships. Valued for collaborative teamwork and results-driven approach, adapting seamlessly to changing market conditions.
Overview
23
23
years of professional experience
Work History
Mortgage Loan Officer
Paramount Residential Mortgage Group - PRMG
12.2023 - Current
- Maintain high level of customer satisfaction by providing prompt and accurate loan status updates.
- Assist clients in selecting correct loan product and terms to meet needs and financial goals.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Collaborate with underwriting and processing teams to resolve issues and expedite loan approvals.
- Communicate with clients, processing teams and other third parties to achieve prompt loan closings.
- Participate in industry events and conferences to build relationships and gain market intelligence.
Mortgage Loan Officer
CrossCountry Mortgage
10.2021 - Current
- Assessed loan requests and evaluated the needs of clients seeking loans.
- Respected the confidentiality and privacy of a client’s finances and handled loan rejections with professionalism and helpfulness.
- Carefully reviewed all loan agreements to ensure their compliance with policies.
- Worked collaboratively with loan team to ensure the accurate assessment of loan conditions.
- Remained informed and up to date on finance knowledge by attending conferences and reading related publications.
- Strived to provide optimal customer service on a daily basis.
Mortgage Loan Officer
American Financial Network
05.2021 - 10.2021
- Assessed loan requests and evaluated the needs of clients seeking loans.
- Respected the confidentiality and privacy of a client’s finances and handled loan rejections with professionalism and helpfulness.
- Carefully reviewed all loan agreements to ensure their compliance with policies.
- Worked collaboratively with loan team to ensure the accurate assessment of loan conditions.
- Remained informed and up to date on finance knowledge by attending conferences and reading related publications.
- Strived to provide optimal customer service on a daily basis.
Self-Employed / Uber Driver
10.2018 - 05.2021
Manager
T-Mobile/Spectrum Wireless
10.2016 - 10.2018
- Regularly observed/coached employees and provided hands-on support on effective sales techniques to enhance customer service
- Maintained operational compliance on back office processes, procedures and policies
- Created new B2B relationships with local businesses to generate new subscriber growth and and generate referral opportunities
- Responsible for rolling out store initiatives as they are implemented throughout our company
- Hired and Trained staff on all T-Mobile/Wireless Vision procedures and products
- Hosted weekly coaching sessions with management team to set expectations and helped maximize optimal success at our location
- Organized team meetings to review sales objectives and implement new procedures to enhance traffic conversion and help exceed sales quotas
- In charge of maintaining payroll and week scheduling
- Familiar with operational phone and accessory stock balance eg. Remo and Sharepoint
Manager
AT&T
01.2011 - 10.2016
- Responsible for managing staff consisting of sales reps, operational and technical support
- Managed store to exceed quota attainment and KPI goals as well as quarterly audits
- Created new B2B relationships with local businesses to generate new subscriber growth and create cross selling referral opportunities
- Developed business partnerships through local chamber of commerce / mall management
- Hired and Trained staff on all AT&T procedures and products
- Coached and Developed existing staff to be able to promote to next level
- Held weekly and daily meetings to motivate staff and to address goals, conduct role-play with rep
Owner Operator
J & J Deli
10.2008 - 08.2010
- Outstanding Guest Experience
- Innovative Menu Planning
- Cost Reduction / Waste Management
- Vendor Management & Negotiation
- Motivational Team Leadership
- Kitchen, Bar, & Dining Room Operations
- Integrated Inventory Control
- Promotions & Up-selling
- Budgeting / Profit & Loss Management
- Safety & Sanitation Compliance
Store Manager
Verizon Wireless
06.2002 - 10.2008
- Managed and maintained proper inventory
- Responsible for receiving and transferring products when ICS was not around
- Maintained store demo log.
- Resolved inventory discrepancies within guidelines.
- Reconciled cash and inventory daily.
- Performed other duties as assigned by Area Manager
- Oversaw the Assistant Retail Sales Operations, Retail Customer Support Representative and/or Rep – Retail Service Technicians within the location, set schedules for the staff
- Ensured staff was trained on policies and procedures.
- Prepared and Administered Appraisals
Education
Business Associates -
Queens Community college
Queens, NY01.1996
Skills
- Fluent in Spanish and English
- Skilled in Microsoft Office applications
- Citrix administration
- Encompass, CTI, Optimal Blue, Smart Fees
Timeline
Mortgage Loan Officer
Paramount Residential Mortgage Group - PRMG
12.2023 - Current
Mortgage Loan Officer
CrossCountry Mortgage
10.2021 - Current
Mortgage Loan Officer
American Financial Network
05.2021 - 10.2021
Self-Employed / Uber Driver
10.2018 - 05.2021
Manager
T-Mobile/Spectrum Wireless
10.2016 - 10.2018
Manager
AT&T
01.2011 - 10.2016
Owner Operator
J & J Deli
10.2008 - 08.2010
Store Manager
Verizon Wireless
06.2002 - 10.2008
Business Associates -
Queens Community college
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