Kimberly Knox
Tomball,Texas
Summary
Highly motivated individual with over 25 years of experience in mortgage finance, sales skills and operations. Possess a very strong work ethic and many self-sourced relationships with members of the Real Estate and Builder community. Strong belief in providing a very high level of customer service to clients and bringing value and integrity to the team and company. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
28
28
years of professional experience
Work History
MORTGAGE LOAN OFFICER
FIRST HORIZON BANK
02.2021 - Current
- Origination of all types of mortgages including Conventional, Non-Conforming, FHA, VA, USDA
- Qualifying borrowers, analysis of credit reports, and income and asset documentation to determine credit worthiness and ability to repay mortgage obligation
- Strong knowledge of loan documentation and detailed analysis for completeness and regulatory compliance
- Use and application of fraud protection, SCRA, Banking Secrecy Act/ Anti-Money Laundering, USA Patriot Act, Dodd-Frank Act, Unfair and Deceptive Trade Practices Act, Identification of Elder Abuse and Financial Exploitation and Americans with Disabilities Act
- Building and keeping strong referral partner relationships with Realtors, Builders, Financial Advisors, and other referral partners, while managing CRM/client database.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Developed and implemented marketing campaigns to generate new business opportunities.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Worked with underwriters to fix application problems and resolve issues.
- Fielded customer complaints and provided solutions.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Researched and updated industry knowledge on changing legislation and regulations.
- Negotiated loan terms and conditions with customers to secure best deal.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
HOME MORTGAGE CONSULTANT
WELLS FARGO HOME MORTGAGE
04.2012 - 10.2020
- Origination of all types of mortgages including: Conventional, Non-Conforming, FHA, VA, USDA , Corporate Relocation, Renovation, Home Equity Line of Credit
- Qualifying borrowers, analyzing credit histories, and income and assets to determine credit worthiness and ability to repay mortgage obligation
- Use and application of fraud protection, SCRA, Banking Secrecy Act/ Anti-Money Laundering, USA Patriot Act, Dodd-Frank Act, Unfair and Deceptive Trade Practices Act, Identification of Elder Abuse and Financial Exploitation and Americans with Disabilities Act
- Gathering of loan documentation from clients and analyzing for completeness and compliance
- Building and keeping strong referral partner relationships with Realtors, Builders, Financial Advisors and other referral partners
- Multiple bank branch assignments of Wells Fargo Bank branches.
- Assessed clients' financial data to determine loan suitability.
- Fielded customer complaints and provided solutions.
- Developed and implemented marketing campaigns to generate new business opportunities.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Participated in industry events and conferences to build relationships and gain market intelligence.
MORTGAGE BANKER
ENVOY MORTGAGE
09.2010 - 04.2012
- Origination of all types of mortgages including Conventional, Non-Conforming, FHA, VA, USDA
- Qualifying borrowers, analyzing credit histories, and income and assets to determine credit worthiness and ability to repay mortgage obligation
- Gathering of loan documentation from clients and analyzing for completeness and compliance
- Building and keeping strong referral partner relationships with Realtors, Builders, Financial Advisors and others.
SENIOR LOAN OFFICER
TRUEMARK LENDING/NEW HORIZON MORTGAGES
07.1996 - 12.2010
- Origination of all types of mortgages including Conventional, Non-Conforming, FHA, VA, USDA, One-Time Close Construction and Renovation Financing
- Qualifying borrowers, analyzing credit histories, and income and assets to determine credit worthiness and ability to repay mortgage obligation
- Gathering of loan documentation from clients and analyzing for completeness and compliance
- Building and keeping strong referral partner relationships with Realtors, Builders, Financial Advisors and other referral partners
- Managing Partner-Truemark Lending
- Maintaining and managing profit and loss for branch
- Preferred Lender for Custom Home Builder
- Processing of mortgage loans and verification of accuracy and compliance of loan files
- Delegated underwriting of mortgage loan files through delegated underwriting relationships with wholesale partners
- Handling closing and funding procedures such as pre-funding audit and ordering and sending of funding wire amounts.
- Maintained strict confidentiality of bank records and client information.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Developed strong relationships with customers through high levels of customer service.
Education
Associate of Arts - Business And Marketing
San Jacinto College District
Pasadena, TXSkills
- Proficient in Microsoft programs such as Word, Excel, and Outlook
- Customer and Client service
- Relationship building, management and retention
- Complaint resolution
- Sales Development and Marketing expertise
- Attention to Detail
- Interpersonal Skills
- Multitasking and Problem-Solving abilities
- Data Entry
Leadership Experience
Completed formal leadership and communication training through Rapport Leadership Training. Past board member of my homeowner's association.
Licensesheld
- Mortgage Loan Officer licensed in Texas and Florida NMLS ID 215415
- Texas Department of Insurance-Personal Lines Property and Casualty Agent
- State of Texas Notary Public Commissioned
Sales
Created and maintained relationships over the years with many Real Estate Agents, Financial Advisors, CPAs, and Insurance Agents as well as past clients.
Communication Skills
I strongly believe in thorough communication and carefully listening to the needs of clients and their needs and communicating those needs to other involved team members. I adapt easily and work and communicate well with others.
Timeline
MORTGAGE LOAN OFFICER
FIRST HORIZON BANK
02.2021 - Current
HOME MORTGAGE CONSULTANT
WELLS FARGO HOME MORTGAGE
04.2012 - 10.2020
MORTGAGE BANKER
ENVOY MORTGAGE
09.2010 - 04.2012
SENIOR LOAN OFFICER
TRUEMARK LENDING/NEW HORIZON MORTGAGES
07.1996 - 12.2010
Associate of Arts - Business And Marketing
San Jacinto College District
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