Joshua Hecker
New Palestine,IN
Summary
Dynamic Mortgage Loan Officer with a proven track record at Indiana Members Credit Union, excelling in relationship selling and loan origination. Recognized for enhancing client retention and increasing loan approval rates through exceptional customer service and meticulous document analysis. Committed to regulatory compliance and delivering tailored mortgage solutions that meet clients' financial goals.
Experienced with mortgage loan origination, financial analysis, and client advisement. Utilizes deep knowledge of lending guidelines and compliance to ensure smooth loan processing. Strong understanding of customer relationship management and market trends, driving successful loan closures.
Professional with strong experience in mortgage industry, prepared for this role. Proven ability to assess clients' financial needs, originate loans, and ensure compliance with regulations. Reliable team player who adapts to changing demands and focuses on achieving results. Skilled in customer service, financial analysis, and communication.
Overview
20
20
years of professional experience
Work History
Mortgage Loan Officer
Indiana Members Credit Union
04.2013 - Current
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Increased loan approval rates by efficiently managing pipeline and maintaining strong relationships with borrowers, realtors, and underwriters.
- Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
- Participated in ongoing professional development programs to continuously expand knowledge of the mortgage industry and enhance skills as a loan officer.
- Maintained a comprehensive knowledge of current industry trends and regulatory changes to provide expert guidance for clients.
- Explained different types of loans pertaining to client situations.
- Checked loan documents for accuracy prior to closing.
- Worked with underwriters to fix application problems and resolve issues.
Assistant Store Manager
Menards
05.2005 - 03.2013
- Managed cash registers efficiently, ensuring accurate transactions, balancing drawers daily, and minimizing discrepancies.
- Managed opening and closing procedures and recommended changes to enhance efficiency of daily activities.
- Enhanced store appearance for increased sales by maintaining cleanliness and implementing strategic merchandise displays.
- Rotated merchandise and displays to feature new products and promotions.
- Assisted the Store Manager in analyzing sales data to identify trends and make informed decisions for improving overall store performance.
- Walked through store areas to identify and proactively resolve issues negatively impacting operations.
- Mentored new employees on company policies, procedures, and best practices to ensure their success within the organization.
- Supervised and evaluated staff to help improve skills, achieve daily objectives, and attain advancement.
- Fostered a positive work culture by promoting teamwork and recognizing individual achievements among staff members regularly.
- Created and maintained safe and secure work environments for employees.
- Developed a loyal customer base through personalized interactions, increasing repeat business in-store visits.
- Responded to customer concerns, working with manager to significantly raise customer satisfaction ratings.
- Streamlined inventory management with regular audits, accurate ordering, and efficient stock organization.
- Resolved escalated customer issues effectively leading to improved customer satisfaction rates.
- Maintained positive customer relationships by responding quickly to customer service inquiries.
- Provided weekly work schedules to employees to accommodate business demands and vacation requests.
- Reconciled daily sales transactions to balance and log day-to-day revenue.
- Interviewed, hired, and trained staff associates and equipped to comply with company policies and procedures.
- Coached sales associates in product specifications, sales incentives, and selling techniques, significantly increasing customer satisfaction ratings.
- Verified inventory counts remained within monthly tolerance levels and compiled financial data in compliance with budget.
- Implemented loss prevention tactics to deter thefts while maintaining a welcoming environment for all customers.
- Provided support to store manager in budgeting processes, helping maintain financial stability for the business.
- Collaborated with store manager to develop marketing initiatives that drove traffic and increased brand awareness.
- Improved store operations by establishing clear communication channels between team members and implementing efficient scheduling practices.
- Conducted regular performance evaluations of team members while providing constructive feedback resulting in enhanced productivity levels.
- Developed and maintained strong relationships with vendors to facilitate timely product delivery.
- Trained and guided team members to maintain high productivity and performance metrics.
- Scheduled employees for shifts, taking into account customer traffic and employee strengths.
- Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.
Education
Marketing
Ball State University
Muncie, IN05-2005
Information Technology
Ball State University
Muncie, IN05-2004
Skills
- Goal oriented
- Relationship selling
- Loan origination
- Residential mortgage lending regulations
- Document review
- Regulatory compliance
- Licensed mortgage loan originator
- Refinancing options
- Document analysis
- Pre-approval process
- Loan product sales
- Application tracking
- Loan management
- Loan product promotion
- Loan application management
- Customer service-focused
- Analytical and critical thinking
- Microsoft office
- Attention to detail
- Customer service
- Loan file maintenance
Timeline
Mortgage Loan Officer
Indiana Members Credit Union
04.2013 - Current
Assistant Store Manager
Menards
05.2005 - 03.2013
Marketing
Ball State University
Information Technology
Ball State University
Similar Profiles
Andrea MannsAndrea Manns
Downtown Branch Manager at Indiana Members Credit UnionDowntown Branch Manager at Indiana Members Credit Union
Ashley TatumAshley Tatum
Member Service Representative/Lead Teller at Members Credit UnionMember Service Representative/Lead Teller at Members Credit Union
Monica BinnsMonica Binns
Member Advisor/Teller at Members First Credit UnionMember Advisor/Teller at Members First Credit Union
ETHAN ROMANOETHAN ROMANO
Event Management at Munciana VolleyballEvent Management at Munciana Volleyball
Andie MaysAndie Mays
Store Manager at Cycle GearStore Manager at Cycle Gear