LAFRANCE GEORGE JR.
Rowlett,TX
Summary
Mortgage Professional provides excellent customer service throughout the loan origination process. Consistently exceeds timeline expectations. Skilled in coaching and mentoring team members on a variety of loan products and services. Dependable and successful in building relationships.
Smart financial professional applies strong problem-solving and decision-making skills in job tasks. Self-motivated with good understanding of evaluating credit history, financial stability and risks. Diligent individual with strong work ethic.
Overview
21
21
years of professional experience
Work History
Underwriter
Digital Risk
12.2019 - 05.2021
- Maintain acceptable turnaround times for applications submitted
- Review applications and associated documentation for thoroughness and accuracy
- Evaluate financial information to determine borrower's ability to make future payments
- Communicate immediately and effectively verbally and in writing with all applicants and internal team members with identified conditions needed for approval
- Perform analysis and review of all loan information, including, however, not limited to credit reports, appraisal reports, title reports, tax returns, financial statements, income and assets documentation necessary to make final credit decision
Licensed Loan Officer
Mr. Cooper Mortgage Company
12.2018 - 06.2019
- Underwriting experience with Non-QM
- Review complex financial and tax profiles
- Strong organization, communication, and analytical skills
- Proficiency with mortgage credit analysis and Encompass
- Customer service agent responsible for selling loan products
- Work with the customer, processing and underwriting throughout loans life cycle
- Experience with Non-QM and Non-Agency loan products (e.g., Bank Statement Income Analysis, Self-Employment)
Underwriter
Capital One
05.2012 - 02.2018
- Company Overview: Plano Texas
- Ensure loan applications are within guidelines
- Calculate income, debt ratios and loan to value ratios
- Perform appraisal analysis to ensure collateral standards are met
- Assess credit and make credit decisions for Home Equity Loans and 1st Lien Loans
- Manage individual pipeline by completing underwriting reviews and tasks within established timeframes
- Communicate with processing and sales teams to provide updates, clarification on outstanding conditions, and assistance with interpreting underwriting guidelines
- Review borrower profiles, including credit reports, income documentation, assets, and tax returns
- Plano Texas
Underwriter
Capital One
01.2011 - 05.2012
- Company Overview: Plano Texas
- Coach and train new hires
- Review secured and unsecured credit application
- Review deals in a timely manner and communicate with bankers
- Work with the Compliance Department developing and shaping credit policy
- Plano Texas
Loan Officer
Citi Financial Auto
07.2003 - 11.2010
- Company Overview: Dallas Texas
- Ensure proper documentation is received on all deals
- Establish and track monthly goals for assigned dealers
- Provide training and assistance to lower-level Loan Officers
- Perform outbound telemarketing calls to dealers selling our product
- Capture auto finance contracts that meet the company’s profitability criteria
- Analyze credit report to determine the decree of risk involved in extending credit
- Dallas Texas
Team Lead and Loan Processor II
Citi Financial Auto
07.2000 - 07.2003
- Company Overview: Dallas, Texas
- Ensure loan packages are within guidelines
- Train, coach and assist new employees and co-workers
- Assist senior management with special projects and work overflow
- Dallas, Texas
Education
Bachelor of Business Administration -
Southern Methodist University
Dallas, TexasAssociates Of Liberal Arts - undefined
Lon Morris College
Jacksonville, TexasSkills
- Quoting and pricing policies
- Managing risk
- Analyzing data
- Creditworthiness assessment
- Underwriting calculations
- Documentation review
- Loan approval & denial
- Data collection
- Terms negotiation
- Asset statements
- Building strong relationships
- Quality control
- Data interpretation
- Property appraisal
- Relationship building
- Credit analysis
- Risk assessment
- Underwriting guidelines
Timeline
Underwriter
Digital Risk
12.2019 - 05.2021
Licensed Loan Officer
Mr. Cooper Mortgage Company
12.2018 - 06.2019
Underwriter
Capital One
05.2012 - 02.2018
Underwriter
Capital One
01.2011 - 05.2012
Loan Officer
Citi Financial Auto
07.2003 - 11.2010
Team Lead and Loan Processor II
Citi Financial Auto
07.2000 - 07.2003
Associates Of Liberal Arts - undefined
Lon Morris College
Bachelor of Business Administration -
Southern Methodist University
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