Summary
Overview
Work History
Education
Skills
Certification
Timeline
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Josephine Brown

Summary

Experienced mortgage consultant with a proven track record in guiding clients through complex mortgage processes. Skilled in building strong client relationships and adept at managing high-performing teams in a fast-paced environment. Demonstrates exceptional problem-solving abilities and a commitment to delivering outstanding service. Dedicated to achieving results and exceeding client expectations in the mortgage industry.

Overview

14
14
years of professional experience
1
1
Certification

Work History

Volunteer

Hospice of East Bay
Pleasant Hill, CA
05.2018 - Current
  • Supported individuals with empathy during challenging emotional times.
  • Exhibits strong emotional resilience in difficult circumstances involving grief and bereavement.
  • Facilitated collaboration among team members to enhance patient care.
  • Patient support in hospice care and palliative care.
  • Adapt to changing priorities effectively.

Sr. Home Mortgage Consultant

Wells Fargo
San Francisco, CA
06.2016 - 08.2023
  • Worked with high net worth and low income clients providing guidance on mortgage programs and associated qualification criteria.
  • Provided outstanding service to new and long-standing customers by attending closely to concerns and developing solutions.
  • Analyzed borrower's financial information to determine eligibility for home loan products.
  • Developed and maintained relationships with referral sources, such as real estate agents and builders.
  • Conducted pre-qualification meetings with prospective borrowers to identify appropriate financing solutions.
  • Documented customer correspondence in CRM to track requests, problems and solutions.
  • Coordinated closing activities with settlement agents, lenders, buyers, sellers, and other parties involved in the transaction.
  • Monitored loan processing progress to ensure that deadlines were met within established timeframes.
  • Reviewed appraisal reports and title documents to ensure accuracy of data before submitting loans for approval.
  • Assisted customers in understanding the terms of their mortgages, including interest rates and repayment schedules.
  • Maintained updated knowledge of changing lending regulations and guidelines from various agencies and investors.
  • Verified income documentation provided by borrowers according to standard industry practices.
  • Ensured compliance with federal laws related to consumer protection during the origination process.
  • Stayed abreast of lending regulations, industry trends and market rates.

Sales Manager

Wells Fargo
San Francisco, CA
08.2013 - 06.2016
  • Producing sales manager.
  • Drive pipeline and production for team, meeting monthly production $25-$35 million per month.
  • Developed and implemented sales strategies to increase market share.
  • Daily maintenance to assure compliance and regulations are met with each sales associate.
  • Created and presented monthly reports to management on sales performance.
  • Trained, coached, and mentored junior sales personnel to ensure success in their roles.
  • Conducted regular meetings with staff members to review goals and objectives for the quarter and year.
  • Implemented process changes designed to streamline workflow within the department.
  • Developed sales plans, goals, strategies and objectives to achieve team goals and revenue objectives.
  • Tracked monthly sales to generate reports for business development planning.
  • In charge of recruitment for high quality highers.
  • Led yearly philanthropy for office giving back to community.

Loan Administration Manager II

Wells Fargo
Walnut, CA
04.2012 - 07.2013
  • Managed and monitored underwriting and closing team for top national sales team.
  • Drove production to attain targeted goals.
  • Managed and monitored the loan administration process to ensure compliance with internal policies and external regulations.
  • Responsible for implementing changes to work flow and spot checking progress of each team member.
  • Review and delegate work to be completed daily to meet REG B, close of escrow, lock expiration, and customer service escalation.
  • Developed strategies for streamlining the loan administration process, resulting in improved efficiency and cost savings.
  • Coordinated with other departments to ensure timely processing of loans.
  • Oversaw daily operations of the Loan Administration Department including staffing needs, budgeting and scheduling.
  • Evaluated employee performance on an ongoing basis and provided feedback as needed.
  • Identified areas where improvements could be made within the department's processes or procedures.

Loan Administration Manager

Wells Fargo
Walnut Creek, CA
12.2010 - 03.2012
  • In charge of mortgage processing department
  • Lead and oversaw production for largest team.
  • Coordinated with other departments to ensure timely processing of loans.
  • Conducted periodic audits of loan documents to ensure accuracy and compliance with regulatory requirements.
  • Managed pipeline daily with team members ensuring high quality customer service.
  • Cross trained senior processors to become underwriters.
  • Resolved customer complaints in a timely manner.
  • In charge of yearly philanthropy for site to help raise money for organization - Youth Homes.

Education

San Francisco State University
San Francisco, CA

Certified Health Coach -

Institute of Integrative Nutrition
New York, NY

Skills

  • Client Relationship Management
  • Customer-centric approach
  • Effective team contributor
  • Regulatory Compliance
  • Mortgage Facilitation
  • Loan Processing
  • Financial Analysis
  • Portfolio risk assessment
  • Strategic networking
  • Leadership and Team Building

Certification

  • Rapport International Leadership
  • Certified Yoga Instructor

Timeline

Volunteer

Hospice of East Bay
05.2018 - Current

Sr. Home Mortgage Consultant

Wells Fargo
06.2016 - 08.2023

Sales Manager

Wells Fargo
08.2013 - 06.2016

Loan Administration Manager II

Wells Fargo
04.2012 - 07.2013

Loan Administration Manager

Wells Fargo
12.2010 - 03.2012

San Francisco State University

Certified Health Coach -

Institute of Integrative Nutrition

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Josephine Brown