Linda C. Minieri
Seekonk,USA
Summary
Dynamic Mortgage Loan Originator with a proven track record at Innovative Mortgage, excelling in regulatory compliance and client relationship management. Passionate about delivering exceptional service and driving profitability while ensuring adherence to residential mortgage lending regulations.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Mortgage Loan Originator
INNOVATIVE MORTGAGE
Seekonk, MA
07.2023 - Current
- Responsible for obtaining mortgages for a property purchase or refinance.
- Assess borrower situation, explain loan options, collect and review documents, submit applications, coordinate with other professionals to close loan.
- Ensured 100% adherence to all federal, state, and local lending regulations, including TILA, RESPA, and HMDA.
- Maintained current knowledge of industry trends, market conditions, and regulatory changes to provide informed advice and ensure compliance
Loan Officer Assistant
SEMPER HOME LOANS
Seekonk, MA
01.2020 - 01.2023
- Collecting and verifying documents, maintaining and organizing all client files.
- Ensure all paperwork is complete and obtain missing documents if needed.
- Serve as a point of contact for clients and all third parties.
- Perform data entry and other office duties as needed.
Loan Officer Assistant
NATIONS LENDING
Seekonk, MA
01.2018 - 01.2020
- Collecting and verifying documents, maintaining and organizing all client files.
- Ensure all paperwork is complete and obtain missing documents if needed.
- Serve as a point of contact for clients and all third parties.
- Perform data entry and other office duties as needed.
Loan Officer Assistant
HOME POINT FINANCIAL
Seekonk, MA
01.2016 - 01.2017
- Collecting and verifying documents, maintaining and organizing all client files.
- Ensure all paperwork is complete and obtain missing documents if needed.
- Serve as a point of contact for clients and all third parties.
- Perform data entry and other office duties as needed.
Loan Officer Assistant
GREAT PLAINS NATIONAL BANK
Seekonk, MA
01.2013 - 01.2015
- Collecting and verifying documents, maintaining and organizing all client files.
- Ensure all paperwork is complete and obtain missing documents if needed.
- Serve as a point of contact for clients and all third parties.
- Perform data entry and other office duties as needed.
Homecare Sales Rep
INTERIM HEALTHCARE
Providence, RI
01.2013 - 01.2014
- Promoted twice to increasingly responsible positions with industry-leading healthcare organization.
- Managed sales for both Staffing and Homecare divisions.
- Hired, trained, mentored, and evaluated team members, including sales representatives and staffing managers.
- Built relationships with HC facilities throughout Massachusetts and Rhode Island.
- Ensured compliance with all federal, state, and local government laws for all operations in the region.
- Led involvement in local businesses and civic organizations to enhance the company’s image.
- Reviewed and negotiated rates with ASAPs.
- Collaborated with Regional Director of Nursing to introduce new programs within the market.
- Generated $23,000 in revenue by closing deals with three physician assistants, negotiating contracts for permanent placement with Lifespan/RI Hospital that brought each from temporary to permanent staff member.
- Captured $50,000 in annual revenues from forgotten sales channels (e.g. school nurses and flu clinic staffing).
- Developed series of plans and policies that significantly improved productivity throughout the office, including recruiting plan, orientation plan and workflow procedures.
- Wrote and developed interviewing, recruiting, and training guide that led to doubling the number of hires per month and improved Interim’s reputation with employers.
- Drove $16,000 in annual savings for overtime and travel reimbursement by introducing handheld data entry devices that allowed for 90% faster claims processing.
- Achieved $8,000 in annual savings by reducing multiple people to a single person on call.
- Negotiated higher pay rates with vendors and reduced several overpaid ones.
- Transitioned clients and patients successfully to other agencies as well as transferring current aides and RNs to new agency following closing of Interim’s three MA offices, ensuring uninterrupted care and services.
- Grew sales as Market Manager from $25,000 to $50,000 by working directly with in-house staff and marketing outside the office, using outside-the-box strategies to tap into a different business mix with higher gross margin.
- The Nation's oldest proprietary national organization providing health care personnel at all skill levels in all settings
Education
NMLS: Licensing for State and Federal Compliance for Mortgage Loan Originator -
12.2023
Associates degree equivalent - Business Administration
Community College of Rhode Island
Warwick, RISkills
- Presentation delivery to executives
- Effective communication
- Problem solving
- Regulatory compliance
- Loan processing
- Mortgage origination
- Client relationship management
- Revenue source diversification
- Vision execution and instillation
- Recruitment and hiring
- Staff training and motivation
- Employee development for advancement
- Client and partner relationship building
- Sales and profitability achievement
- Policy and procedure implementation
- Pipeline management
- Underwriting guidelines
- Residential mortgage lending regulations
- Client account management
- Goal oriented
- Negotiation tactics
Certification
NMLS: Licensing for State and Federal Compliance for Mortgage Loan Originator, 2023
Training
- Home Health Care Policies and Procedures, 2009, 2010, 2011
- Code of Ethics Training, 2004, 2005, 2006
- Internal Branch Excellence Training, 2003, 2004, 2005, 2006
Technology Skills
- Microsoft Word
- Outlook
- Excel
- PowerPoint
- QuickBooks
- MAT Mobile
High Roi Qualifications
- Delivering Presentations to Executive Management
- Developing/Diversifying Regional Revenue Sources
- Instilling and Executing an Organization’s Vision
- Recruiting, Hiring, Training and Motivating Staff
- Developing Employees for Potential Advancement
- Building Relationships with Clients and Partner Firms
- Meeting and Exceeding Sales and Profitability Goals
- Writing and Implementing Policies and Procedures
Timeline
Mortgage Loan Originator
INNOVATIVE MORTGAGE
07.2023 - Current
Loan Officer Assistant
SEMPER HOME LOANS
01.2020 - 01.2023
Loan Officer Assistant
NATIONS LENDING
01.2018 - 01.2020
Loan Officer Assistant
HOME POINT FINANCIAL
01.2016 - 01.2017
Loan Officer Assistant
GREAT PLAINS NATIONAL BANK
01.2013 - 01.2015
Homecare Sales Rep
INTERIM HEALTHCARE
01.2013 - 01.2014
NMLS: Licensing for State and Federal Compliance for Mortgage Loan Originator -
Associates degree equivalent - Business Administration
Community College of Rhode Island