JOSHUA HEILMAN
Gilbert,Arizona
Summary
Results-oriented Loan officer knowledgeable about wide range of loan products. Professionally works with different customers to meet individual needs and maximize bank revenue. Analytical problem-solver tenacious in pursuing sales opportunities. Hardworking employee with customer service, multitasking and time management abilities. Devoted to giving every customer a positive and memorable experience.
Overview
18
18
years of professional experience
Work History
Mortgage Loan Officer
ROCKET MORTGAGE
Phoenix, AZ
09.2022 - 03.2024
- Highly proficient in providing top-notch customer service while evaluating financial statuses.
- Effective in clarifying loan terms and advising clients on suitable loan features
- Licensed in 14 states including CA, AZ, WA, NM, TX, IL, PA, TN, NC and more.
- Effective communication through both verbal and written means
- Assisted clients with understanding and navigating the home buying and refinance processes
- Supported clients in all stages of obtaining a loan, starting with the application and ending with the closing process.
- Analyzed financial data and credit reports to assess loan eligibility.
- Implemented effective strategies to negotiate loan terms and conditions with borrowers
- Facilitated the loan application process by preparing and submitting applications to underwriting
- Monitored loan applications during the approval process
- Collaborated with borrowers and other parties to ensure prompt completion of loan documents
- Maintained accurate loan application and document records
- Ensured adherence to all applicable laws and regulations
- Ensured excellent customer satisfaction by addressing borrower needs during the entire loan process.
- Cultivated and managed partnerships with referral sources
- Remained informed about industry trends and regulatory changes
- Drove sales growth by actively promoting products and services through targeted marketing strategies.
- Assisted borrowers in understanding loan options and repayment plans through detailed guidance.
Senior Account Manager II
LOAN DEPOT
Foothill Ranch, CA
12.2019 - 04.2022
- Managed customer relationships and facilitated transactions according to internal policies and procedures leading to successful closures.
- Managed the processing of loan files while collaborating with customers, vendors, and in-house operations throughout application to funding stages.
- Ensures all stipulations are collected accurately
- Preparation, validation, communication, and delivery of Revised Loan Estimates and Interim disclosures
- Effectively communicated and delivered completed Closing Disclosures
- Managed borrower’s closing appointment logistics, including providing loan documents to the closing agent and making any necessary modifications to final required documents for wire disbursement.
- Maintains compliance with company policies, procedures, and U.S. regulations in performing job responsibilities.
- Maintained knowledge of applicable state and federal laws and regulations to ensure company compliance.
- Successfully coordinated the management of a loan pipeline with more than 150 loans
- Facilitated seamless communication among Sales, Title, Escrow, Funding and Borrowers
- Established clear communication channels and facilitated seamless operations with partners
- Responsible for managing loan files upon receipt from Sales.
- Demonstrates high attention to detail while reviewing documentation for accuracy
- Evaluated credit, income, and title reports.
Director of Transportation
COASTER COMPANY OF AMERICA
Santa Fe Springs, CA
09.2015 - 12.2019
- Managed and supervised the daily functions of eight transportation and dispatch divisions at the company
- Oversaw the educational activities,
evaluation procedures,
promotion decisions,
hiring processes,
and termination protocols for a team comprised of 23 employees and truck drivers - Streamlined payroll processing and implemented a rewards program to incentivize employees
- Negotiated contracts and rates with outside LTL carriers, resulting in a significant reduction of the company's annual delivery cost by $100 Million.
- Enhanced system performance to meet customer service and operational targets
- Developed and executed effective shipping strategies to meet short-term sales goals.
- Maintained a track record of on-time and damage-free deliveries to customers.
Dispatch Manager
KAISER TRANSPORTATION
Orange, CA
08.2006 - 09.2015
- Managed daily operations and implemented long-term business strategies
- Consistently delivered outstanding customer service and exceeded sales goals by building lasting client relationships.
- Utilized evaluation of operational records to identify areas for scheduling optimization, leading to increased efficiency.
- Optimized load routing and development to maximize profitability
- Led the logistics team by delivering effective feedback and guidance.
- Managed paperwork for transport of out-of-state and large-sized shipments
- Performing comprehensive research on logistics operations through literature reviews, interviews, and site visits.
- Proactively contacted customers to ensure accurate coordination of delivery
- Maintained long-term customer relationships through prompt and courteous service.
Skills
- NMLS # 2414732
- Experience with all multiple of loan refinance programs including FHA/VA/Jumbo/ARM/ Conventional
- Experience with mortgage loan software programs
- Good working Knowledge of Freddie & Fannie guidelines
- Good interpersonal and customer service skills
- Time management and organization skills
- Ability to work with strict deadlines
- Ability to explain technical concepts in simple terms
- OHSA Compliance Decisive Leader
- Extensive knowledge of DOT requirements and regulations 19 years of Transportation experience
- Proficient in use of tracking systems and relevant transportation software Skilled Forklift Operator
- LTL/TL/Flatbed
- Solid in employee and driver retention
- Vast knowledge of Over-sized and Out-of-State permit regulations
- Operations Management
- Sales Forecasting
- Relationship selling
- Payment Collection
Timeline
Mortgage Loan Officer
ROCKET MORTGAGE
09.2022 - 03.2024
Senior Account Manager II
LOAN DEPOT
12.2019 - 04.2022
Director of Transportation
COASTER COMPANY OF AMERICA
09.2015 - 12.2019
Dispatch Manager
KAISER TRANSPORTATION
08.2006 - 09.2015