Job Search Status
Open to workDesired start date: Open to discussion
Desired Job Title
Senior Mortgage Loan OfficerWork Type
Full TimeLocation Preference
RemoteOn-SiteHybridLocation: Irvine, CA
Open to relocation: Yes
Open To Work
Keith David
Irvine,CA
Work Preference
Summary
Finance professional with 6+ years of experience in financial analysis, credit evaluation, and business process improvement.
• Originated and funded more than 1,000 residential mortgage loans totaling over $300 million.
• Built advanced Excel financial models, including loan amortization schedules and ROI/True Recoup calculators.
• Performed financial statement and cash flow analysis for complex borrower profiles, including self-employed businesses.
• Led AI and CRM automation initiatives involving chatbots, API integrations, workflow automation, and operational process improvements.
• Recognized for solving complex lending scenarios through financial analysis, underwriting expertise, and data-driven decision making.
• Bringing a unique combination of financial analysis, financial modeling, business operations, and technology implementation to a Corporate Finance or FP&A team.
Overview
1
1
Certification
7
7
years of professional experience
Work History
Senior Mortgage Loan Officer
Accelerated Home Loans
10.2019 - Current
- Originated and funded 1,000+ residential mortgage loans totaling more than $300 million, consistently averaging approximately $50 million in annual production with a peak production year exceeding $110 million.
- Performed comprehensive financial analysis by evaluating tax returns, profit and loss statements, balance sheets, W-2s, pay stubs, business bank statements, asset documentation, liabilities, and credit reports to assess borrower qualification and lending risk.
- Specialized in complex income analysis for self-employed borrowers by analyzing business cash flow, identifying recurring revenue trends, evaluating expense patterns, and determining repayment capacity in accordance with agency and investor underwriting guidelines.
- Built advanced Microsoft Excel financial models, including loan amortization schedules, refinance recoup calculators, and interest savings analyses, enabling borrowers to make informed, data-driven financing decisions.
- Structured financing solutions for complex borrower scenarios by interpreting underwriting guidelines, identifying qualifying opportunities, and presenting alternative strategies that maximized loan eligibility while maintaining compliance.
- Collaborated closely with processors, underwriters, escrow officers, and operations teams to resolve documentation issues, mitigate lending risk, and maintain efficient loan closings throughout the underwriting process.
- Led implementation of operational technology initiatives, including AI-powered outbound dialing, AI chatbot integration, CRM automation, API integrations, Zapier workflows, automated lead routing, and email automation to improve workflow efficiency and customer engagement.
- Trained and mentored 25+ existing employees and 4 new hires on CRM systems, technology implementations, workflow optimization, and operational best practices, supporting successful adoption of new business processes.
- Built a reputation as a trusted resource for resolving challenging lending scenarios through analytical problem-solving, financial interpretation, and thorough understanding of investor and agency guidelines.
Education
Bachelor of Arts - Business Administration - Finance Concentration
California State University, Fullerton
Fullerton, CA08-2025
Skills
- Financial Modeling
- Advanced Excel
- Cash Flow Analysis
- Financial Statement Analysis
- Credit Analysis
- Risk Assessment
- Process Improvement
- Business Process Automation
Certification
Nationwide Multistate Licensing System (NMLS) – Licensed Mortgage Loan Originator
Timeline
Senior Mortgage Loan Officer
Accelerated Home Loans
10.2019 - Current
Bachelor of Arts - Business Administration - Finance Concentration
California State University, Fullerton