Summary
Overview
Work History
Education
Skills
Certification
Work Availability
Timeline
Laura Byars

Laura Byars

Mortgage Loan Originator
Gadsden,AL

Summary

Hi! I’m Laura. Your local mortgage lending expert.

I am your guide, matchmaker, and paperwork expert rolled into one. Helping people finance one of the biggest purchases of their lives is the most rewarding experience I could ever imagine.

Mortgage Loan Officer (MLO):
As a licensed mortgage loan officer, I have helped countless individuals obtain loans to buy their dream home. I have guided all borrowers through the loan application process, evaluated their financial information, and matched them with the best mortgage options to best suit their individual needs. Yes, you read correctly, options, with an “s”.

I believe it is imperative to provide clients with multiple different scenarios that are tailored to each client’s individualist needs. I have had the opportunity to work as a broker, as well as a mini-correspondent lender. I am efficient in both lending practices, as well as extensive knowledge to manage post-closing requirements on the correspondent warehouse line.

With the many years I was able to spend as a full-time Operations Manager, as well as Mortgage Loan Officer, I quickly became proficient in the ability to balance both worlds equally. From taking applications, processing complete loan files, to funding our next closing, I couldn’t be happier than I am assisting clients in their dream of homeownership.

I am nationally certified as a Credit Specialist as well as a VA Lending Specialist. I take pride in the opportunity for growth in this industry and am looking forward to many years of serving homeowners.

Nationally Licensed Mortgage Loan Originator

NMLS # 1100958

NAMB Certified Credit Specialist

NAMB Certified Veteran Lending Specialist

Operations professional prepared to leverage extensive experience in operational management to enhance business performance. Expertise in developing and implementing process improvements while fostering collaborative environment to meet organizational goals. Reliable team player with focus on adaptability and achieving targeted results. Proficient in strategic planning and operational efficiency.

Experienced mortgage professional prepared for senior-level responsibilities. Strong focus on team collaboration and achieving results. Skilled in loan origination, risk assessment, and client relationship management. Reliable and adaptable, ensuring smooth processes and positive outcomes.

Mortgage professional prepared for leadership in mortgage lending. Proven ability to manage complex loan processes and maintain compliance. Collaborative team player with focus on delivering results and adapting to changing needs. Skilled in risk assessment and client relationship management.

Experienced with mortgage origination, underwriting, and risk assessment. Utilizes comprehensive knowledge of loan processing to ensure compliance and client satisfaction. Track record of fostering strong relationships with clients and colleagues.

Organized Mortgage Loan Officer with 12 years of experience in Residential Mortgage Lending. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations.

Accomplished Loan Officer dependable in building customer base and exceeding business goals. Well-versed in loan products and customer engagement strategies. Pursues opportunities to build connections, increase bank revenue and cement loyalty.

Diligent Mortgage Loan Officer with solid background in mortgage lending and client relationship management. Facilitated seamless loan processing and ensured regulatory compliance, contributing to high customer satisfaction. Demonstrated expertise in underwriting and risk assessment.

Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 12 years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures.

Proactive and goal-oriented professional with excellent time management and problem-solving skills. Known for reliability and adaptability, with swift capacity to learn and apply new skills. Committed to leveraging these qualities to drive team success and contribute to organizational growth.

Detail-oriented individual with exceptional communication and project management skills. Proven ability to handle multiple tasks effectively and efficiently in fast-paced environments. Recognized for taking proactive approach to identifying and addressing issues, with focus on optimizing processes and supporting team objectives.

Results-oriented achiever with proven ability to exceed targets and drive success in fast-paced environments. Combines strategic thinking with hands-on experience to deliver impactful solutions and enhance organizational performance.

Overview

16
16
years of professional experience
2
2

Certifications

1
1

License

Work History

Operations Manager/Senior Mortgage Loan Officer

First Equity Home Loan, Inc.
06.2009 - Current
  • Supervised operations staff and kept employees compliant with company policies and procedures.
  • Empowered employees to take ownership of their responsibilities, leading to increased accountability and improved performance outcomes.
  • Conducted regular performance reviews, identifying areas for improvement and developing action plans to address them.
  • Managed inventory and supply chain operations to achieve timely and accurate delivery of goods and services.
  • Led hiring, onboarding and training of new hires to fulfill business requirements.
  • Developed and maintained relationships with external vendors and suppliers.
  • Enhanced customer satisfaction by establishing clear communication channels and addressing concerns promptly.
  • Established positive and effective communication among unit staff and organization leadership, reducing miscommunications, and missed deadlines.
  • Analyzed and reported on key performance metrics to senior management.
  • Negotiated favorable terms for borrowers by leveraging extensive knowledge of lending guidelines and risk factors.
  • Consistently met or exceeded sales targets by establishing a strong professional network within the local community.
  • Regularly reviewed and updated loan pricing to maintain competitiveness in the marketplace and maximize profitability for the company.
  • Educated clients on various loan products available to them, ensuring they made informed decisions regarding their financing options.
  • Increased loan production by developing and maintaining strong relationships with realtors, builders, and other referral sources.
  • Educated borrowers on various financing options available, tailoring recommendations based on individual needs and goals.
  • .Maintained up-to-date records of borrower communications, following strict confidentiality protocols for sensitive data protection.
  • Ensured compliance with federal regulations by adhering to established policies during the entire loan lifecycle.
  • Streamlined loan application process for faster response times and improved customer satisfaction.
  • Improved operational efficiency by implementing new procedures for document collection and review.
  • Assisted first-time homebuyers in understanding the mortgage process, enhancing their overall experience.
  • Developed strong relationships with borrowers, ensuring timely communication throughout the entire loan process.
  • Facilitated successful loan closings by coordinating all required documentation and collaborating with underwriting teams.
  • Collaborated with real estate agents, appraisers, title companies, and other professionals to expedite loan approval processes.
  • Enhanced team productivity through effective training sessions on current industry trends and best practices in lending operations.
  • Consistently met or exceeded sales targets by strategically identifying opportunities for growth within assigned territories.
  • Conducted comprehensive credit analyses to identify potential issues and offer appropriate solutions for borrowers.
  • Fostered positive business relationships within local communities through active participation in networking events and industry functions.
  • Increased loan approvals by efficiently assessing and evaluating borrower financial profiles.
  • Managed a pipeline of loans, prioritizing tasks effectively to ensure timely processing and meeting deadlines.
  • .Contributed to the development of marketing materials and strategies, increasing visibility and attracting new clients.
  • Maintained in-depth knowledge of mortgage products and guidelines to provide accurate information to clients.
  • Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
  • Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
  • Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
  • Analyzed loan applications and credit reports to determine loan eligibility and risk level.
  • Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
  • Worked with underwriters to fix application problems and resolve issues.
  • Checked loan documents for accuracy prior to closing.
  • Developed extensive network of referral partners to source new mortgage loan opportunities.
  • Participated in industry events and conferences to build relationships and gain market intelligence.
  • Reviewed loan files and updated to match current standards.
  • Explained different types of loans pertaining to client situations.
  • Developed and implemented marketing campaigns to generate new business opportunities.
  • Negotiated loan terms and conditions with clients to maximize profitability.
  • Processed loan applications and monitored progress from start to finish.
  • Evaluated loan requests and documents to verify accuracy and completeness.
  • Developed and maintained relationships with customers, lenders and other third parties.
  • Assisted customers with completing loan applications and other paperwork.
  • Monitored pipelines to track and log status of loans.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Analyzed potential risks and evaluated loan products to identify suitable options for customers.
  • Explained very technical financial information to applicants in easy to understand language.
  • Approved loan applications based on customer creditworthiness and provided detailed financial advice.
  • Negotiated loan terms and conditions with customers to secure best deal.
  • Proactively identified solutions for customers experiencing credit issues.
  • Assessed loan portfolios for compliance with underwriting policies.
  • Compiled closing packages for drafting and presentation accuracy.
  • Researched and updated industry knowledge on changing legislation and regulations.
  • Established plans and payoffs for customers' loans, prioritizing control of overall costs.
  • Supervised loan personnel and motivated to maintain customer service and performance standards.

Education

Associate of Science - Pre-nursing

Gadsden State Community College, Gadsden, AL
05-2011
  • ,Dean's List Fall 2009, Spring 2010, Summer 2010, Fall 2010, Spring 2010
  • Honor Roll Fall 2009, Spring 2010, Summer 2010, Fall 2010, Spring 2010
  • Presidential Scholarship Recipient
  • 4.0 GPA

Skills

  • Problem-solving
  • Team leadership
  • Operations management
  • Customer service
  • Decision-making
  • Planning and implementation
  • Staff training
  • Staff management
  • Project management
  • Policies and procedures implementation
  • Employee motivation
  • Customer relationship management
  • Maintaining compliance
  • Goal setting
  • Client relationships
  • Workflow optimization
  • Process improvement
  • Performance management
  • Regulatory compliance
  • Client relations
  • Continuous improvements
  • Process improvements
  • Organizational management
  • Loan origination expertise
  • Communication and interpersonal skills
  • Risk assessment
  • Credit analysis proficiency
  • Real estate market awareness
  • Negotiation
  • Underwriting
  • Loan processing efficiency
  • Escrow management know-how
  • Jumbo loan handling
  • Closing coordination experience
  • Income verification techniques
  • Documentation verification
  • FHA and VA loan expertise
  • Refinancing strategies
  • Mortgage products
  • Asset evaluation expertise
  • Conventional loans
  • Employment history analysis
  • Debt-to-income ratio calculation
  • Goal oriented
  • Residential mortgage lending regulations
  • Document analysis
  • Document review
  • Licensed mortgage loan originator
  • Loan origination
  • Relationship selling
  • Sales development
  • Refinancing options
  • Marketing expertise
  • Financial analysis
  • Negotiation tactics
  • Credit checks
  • Application tracking
  • Desktop underwriter expert
  • Closing coordination
  • Loan application management
  • Underwriting support
  • Production leadership
  • Business referral management
  • Loan product sales
  • Loan product promotion
  • Credit evaluation
  • Pre-approval process
  • Loan management
  • Teamwork and collaboration
  • Time management
  • Attention to detail
  • Leadership skills
  • Problem-solving abilities
  • Multitasking
  • Multitasking Abilities
  • Reliability
  • Excellent communication
  • Organizational skills
  • Team collaboration
  • Active listening
  • Effective communication
  • Customer service-focused
  • Adaptability and flexibility
  • Verbal and written communication
  • Client relationship building
  • Active listening and learning
  • Relationship building
  • Microsoft office
  • Oral and written comprehension
  • Analytical and critical thinking
  • Data entry
  • Loan processing coordination
  • Task prioritization
  • Self motivation
  • Income evaluation
  • Analytical thinking
  • Creditworthiness determination
  • Credit history review
  • Computer literacy

Certification

NAMB Certified Veteran Lending Specialist

NAMB Certified Credit Specialist

Mortgage Loan Originator NMLS License # 1100958

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline

Operations Manager/Senior Mortgage Loan Officer - First Equity Home Loan, Inc.
06.2009 - Current
Gadsden State Community College - Associate of Science, Pre-nursing
Laura ByarsMortgage Loan Originator