Josephine Spavone
Summary
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. Organized Mortgage Loan Officer with thirty plus years of experience, 100% self sourced MLO, and excellent business acumen. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations. Talented Mortgage Lending Officer with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. Organized Mortgage Loan Officer thirty years of experience in mortgage lending. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations. Talented MLO with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. Hardworking and passionate job seeker with strong organizational skills eager to secure Senior Home Lending Advisor position. Ready to help team achieve company goals.
Overview
27
27
years of professional experience
Work History
Private Mortgage Banker
Wells Fargo Bank N.A.
06.2022 - 09.2023
- Fostered a culture of teamwork by collaborating closely with colleagues from various departments to ensure seamless coordination throughout the loan process.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Enhanced client satisfaction by providing personalized mortgage solutions tailored to individual needs.
- Proactively identified solutions for customers experiencing credit issues.
VP Mortgage Director Vanguard Properties MSA
Guaranteed Rate Inc.
04.2021 - 06.2022
- Spearheaded cross-functional initiatives across departments to achieve business goals for bottom-line profits.
- Led recruitment and development of strategic alliances to maximize utilization of existing talent and capabilities.
- Collaborated closely with various department heads on strategic planning initiatives to ensure alignment between corporate goals.
- Developed and implemented new strategies and policies in collaboration with executive partners to establish and achieve long-term business objectives, providing company with strong and sustainable organizational leadership.
Senior Mortgage Loan Originator
Citibank, NA
12.2014 - 04.2021
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Managed a pipeline of mortgage applications, ensuring timely processing and underwriting.
SR MLO NMLS ID: 363759
US Bank National Association
03.2014 - 11.2014
- Worked well in a team setting, providing support and guidance.
- Resolved problems, improved operations and provided exceptional service.
- Adaptable and proficient in learning new concepts quickly and efficiently.
- Cultivated interpersonal skills by building positive relationships with others.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Self-motivated, with a strong sense of personal responsibility.
Vacation
Unemployed
06.2013 - 03.2014
- Skilled at working independently and collaboratively in a team environment.
- Self-motivated, with a strong sense of personal responsibility.
Realtor Lic #01203371
Vanguard Properties
02.2012 - 06.2013
- Developed and implemented strategic marketing plans to increase potential for selling properties and generate more leads.
- Marketed and sold property for clients by hosting open houses and advertising online and in print.
- Collaborated with stakeholders to complete property sales and purchases.
- Generated leads for potential buyers and sellers by hosting open houses, conducting market analysis, and networking within the community.
Family Caregiver
Family Care Giver
07.2010 - 02.2012
- Transported clients to and from medical appointments with safety and efficiency.
- Reduced caregiver stress through reliable performance of all assigned tasks, allowing family members time for personal pursuits or self-care activities.
- Provided compassionate and patient-focused care to cultivate well-being.
- Transported individuals to events and activities, medical appointments, and shopping trips.
Vice President of Mortgage Lending NMLS 363759
Bank Of America N.A.
07.1996 - 07.2010
- Mentored and coached junior staff members, fostering a culture of continuous learning and professional development.
- Designed and maintained financial models to identify and measure risks.
- Improved underwriting processes to reduce turnaround time for loan approvals, enhancing customer experience and loyalty.
- Implemented and regularly reviewed financial controls to generate accurate and reliable financial data.
Education
No Degree - Business And Science
San Francisco State University
1600 Holloway Avenue SFCA 94132Skills
- NMLS Registration
- 10-Key Data Entry
- Regulatory Disclosure Preparation
- Negotiation Tactics
Accomplishments
- Supervised team of 7-10 staff members, implemented MSA Lending Team.
- Self Sourced Mortgage lending Officer.
Affiliations
- N/A ( none )
Family Fun, Pilates and Spavone's San Marzano Tomato Basil Sugo
Love of Family and Friends, Laughter, consistent exercise of Pilates, Biking, swimming and sunning Great food and FUN!
Timeline
Private Mortgage Banker
Wells Fargo Bank N.A.
06.2022 - 09.2023
VP Mortgage Director Vanguard Properties MSA
Guaranteed Rate Inc.
04.2021 - 06.2022
Senior Mortgage Loan Originator
Citibank, NA
12.2014 - 04.2021
SR MLO NMLS ID: 363759
US Bank National Association
03.2014 - 11.2014
Vacation
Unemployed
06.2013 - 03.2014
Realtor Lic #01203371
Vanguard Properties
02.2012 - 06.2013
Family Caregiver
Family Care Giver
07.2010 - 02.2012
Vice President of Mortgage Lending NMLS 363759
Bank Of America N.A.
07.1996 - 07.2010
No Degree - Business And Science
San Francisco State University