LISA ROMINES
KODAK,TN
Summary
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Accomplished in loan origination and risk assessment, I spearheaded initiatives at Success Lending that significantly enhanced client satisfaction and profitability. Leveraging exceptional communication skills and real estate market awareness, I fostered strong relationships, achieving a notable increase in loan volume through strategic marketing and relationship selling.
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
24
24
years of professional experience
Work History
Sr. Mortgage Loan Officer
Success Lending
02.2022 - Current
- Regularly reviewed and updated loan pricing to maintain competitiveness in the marketplace and maximize profitability for the company.
- Managed pipeline of mortgage applications for timely processing and closing, resulting in satisfied clients.
- Collaborated with underwriters, processors, and closers to ensure a seamless loan process for clients.
- Increased loan production by developing and maintaining strong relationships with realtors, builders, and other referral sources.
- Worked closely with processors to resolve any issues that arose during application review or underwriting stage, minimizing delays in closing timescales.
- Conducted thorough pre-qualification analyses to match potential borrowers with appropriate loan products for their needs.
- Educated clients on various loan products available to them, ensuring they made informed decisions regarding their financing options.
- Delivered engaging presentations at homebuyer seminars to educate potential clients on the home buying process and available financing options.
- Analyzed applicant financial status, credit, and property evaluations to determine feasibility of granting loans.
- Implemented marketing strategies to expand client base and increase loan volume.
- Assisted clients throughout the entire mortgage process, from initial application to closing, ensuring a positive customer experience.
- Participated in industry events to stay current on trends and changes within the mortgage lending landscape.
- Negotiated favorable terms for borrowers by leveraging extensive knowledge of lending guidelines and risk factors.
- Provided exceptional customer service throughout the loan process by addressing questions and concerns promptly.
- Prepared comprehensive loan files that included detailed documentation needed for underwriting approval.
Sr. Mortgage Lender and Branch Manager
Bay Equity Home Loans
04.2019 - 01.2022
- Exceeded sales goals consistently by cultivating strong referral networks with industry professionals.
- Contributed to the development of internal policies and procedures aimed at improving overall efficiency and customer satisfaction.
- Increased loan approval rates by promptly and accurately reviewing mortgage applications.
- Built a positive rapport with clients by providing transparent information about their loans'' statuses at every stage of the process.
- Maintained a high level of customer satisfaction by resolving issues quickly and professionally.
- Enhanced team performance through regular training sessions and sharing best practices within the department.
- Developed comprehensive knowledge of various loan programs, including conventional, FHA, VA, USDA, HELOCs, refinances, and reverse mortgages to better serve client needs.
- Consistently maintained a low error rate by adhering to strict attention-to-detail during the mortgage application review process.
- Collaborated with real estate agents, attorneys, title companies, and appraisers to ensure smooth transactions for all parties involved.
- Implemented innovative marketing strategies to attract new clients and expand market share in a competitive environment.
- Streamlined loan processing times by proactively addressing potential roadblocks and maintaining open lines of communication with all stakeholders.
- Provided expert guidance on mortgage products tailored to clients'' unique financial situations and goals.
- Strengthened customer relationships through effective communication and personalized service throughout the lending process.
- Managed a large pipeline of loans while ensuring timely submission of all necessary documentation for underwriting approval and closing coordination.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Worked with underwriters to fix application problems and resolve issues.
Branch Manager
Wells Fargo Home Loans
05.2005 - 06.2016
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Maintained friendly and professional customer interactions.
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
- Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
- Developed a high-performing team through targeted recruitment, training, and performance management initiatives.
- Reduced employee turnover by fostering a positive work environment and offering competitive compensation packages.
- Ensured regulatory compliance through diligent adherence to industry standards, guidelines, and company policies.
- Examined customer loan applications for loan approvals and denials.
- Monitored market trends to identify new business opportunities and capitalize on potential growth areas within the community or region served.
- Submitted loan applications to underwriter for verification and recommendation.
- Oversaw daily branch operations, ensuring compliance with regulatory standards and maintaining operational integrity.
- Created and executed marketing strategies, increasing brand awareness and attracting new customers.
- Elevated staff morale and productivity by introducing system of rewards and recognition for outstanding performance.
Owner
Black Bear Trading Post
09.2003 - 11.2005
- Managed day-to-day business operations.
- Oversaw daily operations, ensuring all tasks were completed accurately and efficiently by team members.
- Hired trained, and managed a high-performing team of employees dedicated to achieving company goals.
- Trained and motivated employees to perform daily business functions.
- Established a positive workplace culture that fostered employee engagement, collaboration, and loyalty.
- Negotiated contracts with suppliers for better pricing and terms, reducing overall costs for the business.
- Organized and attended trade shows and special events to showcase products, network with other businesses and attract new customers.
- Enhanced operational efficiency and productivity by managing budgets, accounts, and costs.
- Successfully navigated challenging economic conditions by making informed decisions that protected the business''s financial stability.
- Expanded product offerings by researching market trends and identifying potential growth opportunities.
- Led negotiations for major contracts, securing favorable terms that significantly reduced costs.
- Optimized supply chain operations, negotiating with suppliers to ensure timely delivery of high-quality products.
- Managed purchasing, sales, marketing and customer account operations efficiently.
- Chose and purchased all inventory based on demand
Owner/Loan Officer
Mortgage Experts
02.2001 - 04.2005
- Managed day-to-day business operations.
- Developed and maintained strong relationships with clients, resulting in repeat business and referrals.
- Oversaw daily operations, ensuring all tasks were completed accurately and efficiently by team members.
- Increased customer satisfaction by implementing efficient business processes and providing exceptional service.
- Managed financial aspects of the business, including budgeting, financial reporting, and tax preparation.
- Hired trained, and managed a high-performing team of employees dedicated to achieving company goals.
- Implemented marketing strategies to increase brand awareness and attract new customers.
- Trained and motivated employees to perform daily business functions.
- Established a positive workplace culture that fostered employee engagement, collaboration, and loyalty.
- Negotiated contracts with suppliers for better pricing and terms, reducing overall costs for the business.
- Achieved financial growth with strategic planning, cost control measures, and targeted marketing efforts.
- Evaluated industry competition regularly to maintain a competitive advantage in the marketplace.
- Monitored market conditions to set accurate product pricing and take advantage of emerging trends.
- Mentored staff members on best practices in customer service and sales techniques, leading to increased performance levels.
- Generated revenues yearly and effectively capitalized on industry growth.
- Expanded business into new markets, cond
- Enhanced company's market position by identifying and pursuing new business opportunities.
Education
High School Diploma -
Sevier County High
Sevierville, TN06.1981
No Degree - Marketing/Business
MTSU
Murfreesboro, TNSkills
- Loan origination expertise
- Risk Assessment Competence
- Jumbo Loan Handling
- Debt-to-Income Ratio Calculation
- Employment History Analysis
- Conventional Loan Knowledge
- Goal-Oriented
- Document Review
- Communication and Interpersonal Abilities
- Credit Analysis Proficiency
- Real Estate Market Awareness
- Sales Development
- Relationship selling
- Marketing expertise
- Teamwork and Collaboration
Timeline
Sr. Mortgage Loan Officer
Success Lending
02.2022 - Current
Sr. Mortgage Lender and Branch Manager
Bay Equity Home Loans
04.2019 - 01.2022
Branch Manager
Wells Fargo Home Loans
05.2005 - 06.2016
Owner
Black Bear Trading Post
09.2003 - 11.2005
Owner/Loan Officer
Mortgage Experts
02.2001 - 04.2005
High School Diploma -
Sevier County High
No Degree - Marketing/Business
MTSU
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