Joseph Raper
Oxford
Summary
Senior Mortgage Loan Officer with a proven track record at Integrity Home Lending, excelling in loan origination and risk assessment. Expert in negotiating favorable terms and maintaining compliance, I consistently exceed sales targets while delivering exceptional customer service. Expeienced in all loan types, QM and NON-QM. I foster strong client relationships to ensure seamless transactions.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Senior Mortgage Loan Officer
Integrity Home Lending
02.2023 - Current
- Educated clients on various loan products available to them, ensuring they made informed decisions regarding their financing options.
- Negotiated favorable terms for borrowers by leveraging extensive knowledge of lending guidelines and risk factors.
- Assisted clients throughout the entire mortgage process, from initial application to closing, ensuring a positive customer experience.
- Collaborated with underwriters, processors, and closers to ensure a seamless loan process for clients.
- Maintained compliance with federal regulations and company policies during all stages of the mortgage process.
- Increased loan production by developing and maintaining strong relationships with realtors, builders, and other referral sources.
- Consistently met or exceeded sales targets by establishing a strong professional network within the local community.
- Managed pipeline of mortgage applications for timely processing and closing, resulting in satisfied clients.
- Worked closely with processors to resolve any issues that arose during application review or underwriting stage, minimizing delays in closing timescales.
- Provided exceptional customer service throughout the loan process by addressing questions and concerns promptly.
Senior Mortgage Loan Officer
CBC National Bank/First Federal Bank
01.2018 - 03.2023
- Conducted thorough pre-qualification analyses to match potential borrowers with appropriate loan products for their needs.
- Analyzed applicant financial status, credit, and property evaluations to determine feasibility of granting loans.
- Prepared comprehensive loan files that included detailed documentation needed for underwriting approval.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Worked with underwriters to fix application problems and resolve issues.
- Negotiated loan terms and conditions with clients to maximize profitability.
Education
BBA - Management And Marketing
University of Mississippi
University, MS05-2005
Skills
- Loan origination expertise
- Communication and interpersonal skills
- Risk assessment
- Credit analysis proficiency
- Real estate market awareness
- Underwriting
- Regulatory compliance
- Financial analysis aptitude
- Refinancing strategies
- Loan modification solutions
- FHA and VA loan expertise
- Conventional loans
Certification
NMLS License
Timeline
Senior Mortgage Loan Officer
Integrity Home Lending
02.2023 - Current
Senior Mortgage Loan Officer
CBC National Bank/First Federal Bank
01.2018 - 03.2023
BBA - Management And Marketing
University of Mississippi
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