Julie Brooner
Louisville
Summary
Dynamic and results-driven Licensed Loan Originator from Envoy Mortgage, My goal in my business is to help one family at a time and to gain two referrals during their time with me. I want to work on a 80 to 85% referral based business. I excel in effective communication, and enhancing client satisfaction. Leveraging financial analysis and relationship-building skills, I've streamlined loan processes and increased approvals, maintaining a client-centric approach with a high referral pipeline.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Licensed Loan Originator
Envoy Mortgage
03.2015 - Current
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
- Interviewed applicants to assess loan requirements before suggesting offers.
- Collected information from banks, institutions and employers to assess applicant eligibility.
- Contributed significantly towards achieving company sales targets through proactive outreach efforts targeted at potential borrowers.
- Increased loan application approvals by efficiently reviewing and analyzing financial documents.
- Facilitated clear communication between borrowers, Realtors, escrow agents, and other stakeholders during the loan process.
- Maintained compliance with federal and state regulations throughout all stages of the loan origination process.
- Achieved high client satisfaction ratings by demonstrating a thorough understanding of loan programs and accurately matching borrowers with the most suitable options.
- Educated clients on various loan products, helping them make informed decisions about their financing options.
- Assisted clients with complex financial situations, providing tailored solutions to meet their unique needs.
- Optimized workflows within the Loan Origination team by implementing improved organization systems for document tracking.
- Collaborated with underwriters and processors to ensure timely and accurate loan approvals.
- Enhanced client retention rates through exceptional customer service skills and personalized attention given to borrower''s needs.
- Provided ongoing support to borrowers throughout their home buying journey, ensuring complete understanding of each step involved in securing a mortgage.
- Managed a high volume of applications, consistently meeting or exceeding company performance metrics.
- Streamlined the loan origination process for faster customer service and higher satisfaction rates.
- Developed strong relationships with local Realtors, resulting in a consistent pipeline of referrals.
- Maintained strict confidentiality of bank records and client information.
- Submitted loan applications to underwriter for verification and recommendations.
- Developed strong relationships with customers through high levels of customer service.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Examined customer loan applications for loan approvals and denials.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Calculated, reviewed and corrected errors on interest, principal and closing costs.
- Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
- Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
- Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
Education
High School Diploma -
Santa Teresa High School
San Jose, CA06-1982
Skills
- Loan processing proficiency
- Mortgage underwriting expertise
- Goal-oriented mindset
- Effective communication techniques
- Pipeline management
- Financial analysis
- Team player
- Customer service-focused
- Friendly
- Loan servicing
- Relationship building and management
- Client relations
- Credit analysis
- Financial counseling
- Loan origination
- Sales expertise
- Mortgage lending
- Business development
- Database management
- Practiced at FHA loan process
- Loan application management
- Excellent communicator
- Applicant communication
- Reliable
- Teamwork
- Customer service
- Problem-solving
- Attention to detail
- Problem-solving abilities
- Multitasking
- Reliability
- Critical thinking
- Organizational skills
- Team collaboration
- Active listening
- Effective communication
- Adaptability and flexibility
- Verbal and written communication
- Decision-making
- Customer communication
- Verbal communication
- Relationship building
- Customer relations
- Team building
Certification
- First Aid Certification
- FHA/VA Underwriting Training Certificate Program – Federal Housing Administration & U.S Department Veterans Affairs-approved providers.
Timeline
Licensed Loan Originator
Envoy Mortgage
03.2015 - Current
High School Diploma -
Santa Teresa High School