Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service.
Overview
31
31
years of professional experience
Work History
Senior Loan Officer
Mid-Continent Funding DBA VeteransLoans.Com
10.2022 - Current
Managed over 50 customer calls per day.
Supervised loan personnel and motivated to maintain customer service and performance standards.
Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
Developed and implemented marketing campaigns to attract new customers.
Assisted customers with completing loan applications and other paperwork.
Developed strong relationships with customers through high levels of customer service.
Maintained strict confidentiality of bank records and client information.
Researched and updated industry knowledge on changing legislation and regulations.
Developed and maintained relationships with local real estate agents.
Collaborated with other departments to promptly process loan applications.
Originated, reviewed, processed, closed, and administered customer loan proposals.
Developed and maintained relationships with customers, lenders and other third parties.
Monitored pipelines to track and log status of loans.
Submitted loan applications to underwriter for verification and recommendations.
Negotiated loan terms to provide favorable outcomes for both customers and lenders.
Negotiated loan terms and conditions with customers to secure best deal.
Senior Mortgage Loan Officer
Magnolia Bank
05.2022 - 09.2022
Managed over 50 customer calls per day.
Reviewed loan files and updated to match current standards.
Negotiated loan terms and conditions with clients to maximize profitability.
Worked with underwriters to fix application problems and resolve issues.
Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
Developed and maintained relationships with customers, lenders and other third parties.
Negotiated loan terms and conditions with customers to secure best deal.
Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
Explained different types of loans pertaining to client situations.
Senior Mortgage Loan Officer
First Guaranty Mortgage Corporation
08.2021 - 04.2022
Managed over 70 customer calls per day.
Explained different types of loans pertaining to client situations.
Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
Explained very technical financial information to applicants in easy to understand language.
Negotiated loan terms and conditions with customers to secure best deal.
Assisted customers with completing loan applications and other paperwork.
Monitored pipelines to track and log status of loans.
Processed loan applications and monitored progress from start to finish.
Developed and maintained relationships with customers, lenders and other third parties.
Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
Negotiated loan terms and conditions with clients to maximize profitability.
Reviewed loan files and updated to match current standards.
Mortgage Loan Originator
Nationstar Mortgage DBA Mr. Cooper
08.2020 - 08.2021
Managed over 75 customer calls per day.
Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
Prepared documents for customers, submitting and overseeing through each step of closing process.
Analyzed loan applications and credit reports to determine loan eligibility and risk level.
Developed extensive network of referral partners to source new mortgage loan opportunities.
Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
Auto Finance Manager
Hendricks Volkswagen
05.2020 - 08.2020
Achieved Highest Profit Per Customer - Dollar Amount 3 Consecutive Months
Negotiated loan terms and conditions with customers to secure best deal.
Evaluated loan requests and documents to verify accuracy and completeness.
Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
Developed and maintained relationships with customers, lenders and other third parties.
Explained very technical financial information to applicants in easy to understand language.
Proactively identified solutions for customers experiencing credit issues.
VIP Vehicle Exchange Auto Sales Consultant
Toyota Of McKinney
06.2019 - 05.2020
Immediate Impact supporting Dealership Social Media Advertising - Branded Myself
Effective Harvesting of Service Customers - Exchange and Upgrade 10-12 per Month
Developed successful sales strategies to maximize customer satisfaction and profit.
Responded to customer enquiries via telephone and email.
Drove team revenue totals by bringing in top sales numbers.
Qualified buyers by matching requirements and interests to various car or truck models and discussing finance options.
Demonstrated automobiles by explaining characteristics, capabilities, and features, taking test drives and explaining warranties and services.
Followed-up on warm Internet leads and responded to customer questions about vehicle availability, price, and options while fielding inquiries from various marketing websites.
Met customers on lot and in showroom to discuss available vehicles and options.
Qualified and followed-up on potential new customer leads.
Greeted customers on lot and in showroom to answer questions about brand and available inventory.
Closed sales by overcoming objections, asking for sales, negotiating price, and completing purchase contracts,
Made car recommendations based on preferences and outlined benefits of each car option.
Consulted with sales and finance managers to negotiate sales price, trade-in allowance, license fee, discounts and financing or lease options on vehicle.
Demonstrated car technology options and available amenities and upgrades for each model.
Answered telephone and email inquiries from potential customers.
VIP Vehicle Exchange Auto Sales Consultant
Nissan Of McKinney
11.2017 - 06.2019
Salesmen of the Month February 2018
Achieved top Performer Status Every Quarter at Dealership
Effective Harvesting of Service Customers - Exchange and Upgrade 18-20 per Month
Developed successful sales strategies to maximize customer satisfaction and profit.
Responded to customer enquiries via telephone and email.
Drove team revenue totals by bringing in top sales numbers.
Qualified buyers by matching requirements and interests to various car or truck models and discussing finance options.
Demonstrated automobiles by explaining characteristics, capabilities, and features, taking test drives and explaining warranties and services.
Maintained contact with established customers to confirm satisfactory experience and encourage repeat and referral business.
Accompanied customers and demonstrated performance features on test drives.
Closed sales by overcoming objections, asking for sales, negotiating price, and completing purchase contracts,
Made car recommendations based on preferences and outlined benefits of each car option.
Demonstrated car technology options and available amenities and upgrades for each model.
Visual Merchandising Manager
Innomark Communications
07.2016 - 05.2017
Developed themes, props and lighting for merchandise displays.
Collaborated with wholesale partners and cross-functional teams to develop solutions for balancing product assortments.
Collaborated with store managers to determine best placement for merchandise displays.
Analyzed customer feedback and shopper trends to inform display designs.
Spearheaded visual merchandising for Beverage Companies brand by creating strategic presentation plans.
Improved field teams' sales by coaching on merchandising techniques.
Developed visual merchandising plans and strategies to promote store offerings.
Division Sales Manager
Sunny Delight Beverages Co
12.2009 - 05.2016
Maintained financial controls, planned business operations and control expenses while identifying and pursuing opportunities to grow business operations and boost profits.
Collaborated with advertising group to create uniformity between advertising messages and retail incentives.
Facilitated business by implementing practical networking techniques.
Coached and promoted high-achieving sales and account management employees to fill leadership positions with qualified staff and boost company growth.
Collaborated cross-functionally with headquarters, regional and other teams nationally to maintain consistent message and experience.
Engaged in product training, demonstrations, consumer awareness, branding, and acquisition initiatives to raise awareness and revenues.
Resolved problems with high-profile customers to maintain relationships and increase return customer base.
Boosted marketing, reviewed pricing strategies and expanded distribution channels to increase sales revenue.
Developed compelling presentation decks to gain approval for ideas and communicate results.
Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
Collaborated with upper management to implement continuous improvements and exceed team goals.
Exceeded sales quotas and increased profitability through effective sales strategy and business planning.
Held one-on-one meetings with sales team members to identify selling hurdles and offered insight into best remedy.
National Account Manager
Display Technologies, LLC, A Berkshire Hathaway
12.2008 - 12.2009
Identified profitable business leads and built pipeline of prospective customers.
Reached out to customers frequently to check on satisfaction, inquire about needs and propose new offerings.
Operated within budgetary constraints, participated in development of annual budget forecasts and reconciled operating budget.
Developed sales strategy based on research of consumer buying trends and market conditions.
Brought lapsed accounts back to active status and providing additional revenue.
Managed, supported and grew business relationships with existing accounts and developed strategies to increase sales and revenue.
Improved bottom-line profits by creating new product penetration and retail market opportunities.
Division Sales Manager
PepsiCo
08.1999 - 12.2008
Maintained financial controls, planned business operations and control expenses while identifying and pursuing opportunities to grow business operations and boost profits.
Collaborated with advertising group to create uniformity between advertising messages and retail incentives.
Facilitated business by implementing practical networking techniques.
Coached and promoted high-achieving sales and account management employees to fill leadership positions with qualified staff and boost company growth.
Liaised with sales, marketing, and management teams to develop solutions and accomplish shared objectives.
Collaborated cross-functionally with headquarters, regional and other teams nationally to maintain consistent message and experience.
Engaged in product training, demonstrations, consumer awareness, branding, and acquisition initiatives to raise awareness and revenues.
Increased sales volume and expanded product line to new retailers, warehouse clubs and natural food chains.
Boosted marketing, reviewed pricing strategies and expanded distribution channels to increase sales revenue.
Managed accounts to retain existing relationships and grow share of business.
Delivered recommendations to long-term accounts to promote brand awareness to key audience.
Developed compelling presentation decks to gain approval for ideas and communicate results.
Implemented systems and procedures to increase sales.
Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
Collaborated with upper management to implement continuous improvements and exceed team goals.
Achieved sales goals and service targets by cultivating and securing new customer relationships.
Exceeded sales quotas and increased profitability through effective sales strategy and business planning.
Category Manager
Coca-Cola Enterprises
08.1992 - 08.1999
Established, initiated and optimized business development strategies based on company targets, product specifications, market data, and budget factors.
Developed creative presentations, trend reports, kitted assets, and product data sheets.
Identified and reported key performance indicators to define successful category management.
Oversaw preparation of marketing copy, images, videos, emails, and other collateral.
Maximized category turnover through proactive management strategies.
Continually maintained and improved company's reputation and positive image in markets served.
Analyzed and reported on KPIs to validate and demonstrate success of marketing campaigns.
Devised content strategy to effectively engage target audiences.
Executed comprehensive marketing plans that consistently achieved targets for increased revenue.
Education
Bachelor of Science - Accounting And Business Management
University of Baltimore
Baltimore, MD
Skills
Financial Analysis Aptitude
Organizational Strengths
Business Development
Sales Expertise
Detail Orientation
Excellent Time Management
Strong Relationships
Oral and Written Comprehension
Timeline
Senior Loan Officer
Mid-Continent Funding DBA VeteransLoans.Com
10.2022 - Current
Senior Mortgage Loan Officer
Magnolia Bank
05.2022 - 09.2022
Senior Mortgage Loan Officer
First Guaranty Mortgage Corporation
08.2021 - 04.2022
Mortgage Loan Originator
Nationstar Mortgage DBA Mr. Cooper
08.2020 - 08.2021
Auto Finance Manager
Hendricks Volkswagen
05.2020 - 08.2020
VIP Vehicle Exchange Auto Sales Consultant
Toyota Of McKinney
06.2019 - 05.2020
VIP Vehicle Exchange Auto Sales Consultant
Nissan Of McKinney
11.2017 - 06.2019
Visual Merchandising Manager
Innomark Communications
07.2016 - 05.2017
Division Sales Manager
Sunny Delight Beverages Co
12.2009 - 05.2016
National Account Manager
Display Technologies, LLC, A Berkshire Hathaway
12.2008 - 12.2009
Division Sales Manager
PepsiCo
08.1999 - 12.2008
Category Manager
Coca-Cola Enterprises
08.1992 - 08.1999
Bachelor of Science - Accounting And Business Management
University of Baltimore
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