Summary
Overview
Work History
Education
Skills
Timeline
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Laura Hatcher

Laura Hatcher

Lakewood,CA

Summary

Detail-oriented Mortgage Loan Officer with 20 years of experience. Adept at planning and working with clients for long periods of time. Committed to accuracy and financial success.

Overview

14
14
years of professional experience

Work History

Senior Mortgage Loan Originator

Titanium TrMortgage
Mission Viejo, California
01.2010 - Current
  • Gathered client debt, credit and income information to determine loan eligibility.
  • Met with applicants to obtain information for loan applications and answer questions about loan process.
  • Helped clients fill out loan applications and find ideal loan options.
  • Developed and maintained relationships with local real estate agents.
  • Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
  • Informed customers of application deadlines, approvals and denials.
  • Kept detailed records regarding approved, denied and received loan applications.
  • Complied applications and paperwork and double-checked for accuracy.
  • Educated customers regarding actions and strategies for debt repayment.
  • Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information.
  • Verified applicant information by consulting with outside agencies, credit bureaus and businesses.
  • Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
  • Submitted applications to credit analysts.
  • Identified lending risks and implemented strategies to reduce loan defaults.
  • Reviewed client documentation and contracts for discrepancies and mistakes.
  • Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
  • Verified client financial information to determine creditworthiness and loan eligibility.
  • Informed customers of loan application requirements and deadlines.
  • Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
  • Identified valuable solutions for customers with credit problems.
  • Stayed abreast of lending regulations, industry trends and market rates.
  • Reviewed credit histories from applicants and determined feasibility of granting requested loans.
  • Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
  • Collaborated with company teams to expedite loan approval processes.
  • Approved or denied loan applications and explained reasoning behind decisions.
  • Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
  • Met with applicants to obtain information for loan applications and answer questions about processes.
  • Developed loan contracts and explained contract terms to clients.
  • Located and suggested loan packages that met client needs and priorities.
  • Set up debt payment plans based on client credit, income and assets.
  • Developed and recommended personal or commercial loan packages for clients.
  • Prepared reports for customers with delinquent and irreconcilable accounts.

Education

Some College (No Degree) - Loan Origination

First Tuesday
Irine

Skills

  • Financial Analysis
  • Sales Forecasting
  • Bottomline Loan Master Servicing
  • Client Account Management
  • Negotiation Tactics
  • Document Analysis
  • Scheduling Oversight
  • Sales Development
  • Credit Check Knowledge
  • Relationship Selling
  • Regulatory Compliance
  • Market Research and Analysis
  • Marketing Expertise
  • Certified Mortgage Loan Originator
  • Client Interview
  • Microsoft Office
  • Credit History Review
  • Attention to Detail
  • Automated Underwriting System (AUS)

Timeline

Senior Mortgage Loan Originator

Titanium TrMortgage
01.2010 - Current

Some College (No Degree) - Loan Origination

First Tuesday

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Laura Hatcher