Margaret Pogosyan
Aurora,CO
Summary
Hardworking mortgage loan processor with 15 + years of experience in mortgage processing and a strong focus on organizational skills and attention to detail. Proficient in Encompass, Blend and knowledgeable in FHA, VA and Conventional Loans. Consistently delivering exceptional customer service, committed to ensuring efficient loan processing and enhancing client satisfaction in the mortgage industry
Overview
34
34
years of professional experience
Work History
Mortgage Processor
MDC Holdings
Denver, CO
07.2017 - 04.2026
- Processed new construction residential loan applications from submission to underwriting, reviewed loan applications for compliance with underwriting guidelines.
- Coordinated documentation collection from clients and third-party vendors.
- Streamlined processing workflows to enhance efficiency and reduce turnaround time.
- Collaborated closely with underwriters to expedite loan approvals, resulting in increased productivity.
- Enhanced customer experience by proactively addressing potential issues during the application process, resulting in increased client satisfaction and referrals.
- Maintained compliance with industry regulations through vigilant adherence to guidelines and ongoing training.
Mortgage Processor
New American Funding
Denver, CO
09.2015 - 07.2017
- Managed a pipeline of loan files ensuring timely and accurate submission to underwriting
- Reviewed and validated borrower documentation
- Identified and fulfilled loan conditions
- Ordered and tracked appraisals, title reports and verifications
- Communicated proactively with clients and internal teams
Mortgage Loan Processor
JPMorgan Chase
Denver, CO
05.2013 - 09.2015
- Processed residential refinance and purchase loan applications
- Maintained a pipeline of 20 plus loans per month with a high accuracy rate
Licensed Personal Banker
JPMorgan Chase Bank
Denver, CO
09.2007 - 05.2013
- Branch based sales position in which I had to acquire, retain and deepen customer relationships, create an outstanding customer experience and help the Branch meet sales objectives contributing to the success of the firm. Proactively meet with customers – face to face and over the phone – to discover their financial needs and provide product and service recommendations. Partner with specialists (such as Loan Officers, Business Bankers, and Financial Advisors) to ensure customers get access to experts who can help them with specialized financial needs.
Relationship Manager
Key Bank
Aurora, CO
09.2006 - 09.2007
- Developed and maintained an in-depth knowledge of products and services as well as knowledge of competitors and competitive products, called Book of Business and system generated leads to prospect for cross selling and retention, built client referral pipeline via identification and development of internal and external centers of influence, developed new and expanded existing client relationships by participating in business development activities, proactively reviewed clients' current and changing financial needs and introduced new products and services as needed, collaborated with business partners by making referrals and conducting joint calls to deepen existing client relationships, actively listened to concerns, presented a clear concise picture and provided the client with a tailored solution to close the sale, accurately completed new account documentation and system input according to Key's policies and procedures, ensured that new customer relationships consistently met all compliance requirements, and contributed to the branch profitability by participating in branch initiatives.
Licensed Personal Financial Representative
Washington Mutual Bank
Centennial, CO
12.2004 - 09.2006
- Executed the opening of new accounts according to WaMu policies, prospected and profiled new and existing customer to look for opportunities to cross-sell bank products, built a client referral pipeline via identification and development of internal and external centers of influence, internally originated, underwrote, and processed clients individual home equity lines and loans, consistently called Book of Business to prospect for new business opportunities and review current customers service needs, and through sales contributed to branch profitability and success.
Sales Consultant
Neiman Marcus
Denver, CO
05.2003 - 12.2004
- Assisted clients with their fashion needs, continually educated myself around the fashion industry to have a vast amount of knowledge on the current and future fashion trends, worked on developing close relationships with store clientele, and consistently met or exceeded current sales goals.
Investment Specialist
Janus Mutual Funds
Denver, CO
06.2001 - 05.2003
- Serviced Janus’ diverse clients’ brokerage needs via inbound calls and emails, built and maintained client loyalty, demonstrated a strong understanding of the markets, empathy, energy, and problem solving while delivering unparalleled value and outstanding service to our clients via the phone, responded to client inquiries including cost basis information, cashiering functions, letters of authorization, powers of attorney, product knowledge support and expanding client experience, assessed and resolved client issues, placed trades and provided investment education to our clients to empower them to make well-informed financial decisions, and uncovered business development opportunities and responded to research requests.
Financial Specialist
MetLife
Denver, CO
11.2000 - 06.2001
Sales Consultant
Neiman Marcus
Denver, CO
08.1996 - 11.2000
Christian Dior Counter Manager
Macy’s
Denver, CO
02.1992 - 08.1996
Education
Russian
University of Colorado
Boulder, CO01.1992
Russian, Armenian
University of Foreign Languages
Yerevan, Armenia01.1990
Skills
- Strong communication skills
- Collaboration and teamwork
- Professionalism and ethics
- Fraud detection capabilities
- Residential mortgage lending regulations
- Document review
- Loan processing expertise
- Mortgage regulations proficiency
- Financial document review
- Teamwork and collaboration
- Customer service
- Problem-solving
- Time management
- Attention to detail
- Problem-solving abilities
- Multitasking
- Reliability
- Excellent communication
- Critical thinking
- Organizational skills
Honors and Awards
WM Financial Services – LPFR “Spirit Award” 2005
Languages
Armenian
Native or Bilingual
Russian
Native or Bilingual
Timeline
Mortgage Processor
MDC Holdings
07.2017 - 04.2026
Mortgage Processor
New American Funding
09.2015 - 07.2017
Mortgage Loan Processor
JPMorgan Chase
05.2013 - 09.2015
Licensed Personal Banker
JPMorgan Chase Bank
09.2007 - 05.2013
Relationship Manager
Key Bank
09.2006 - 09.2007
Licensed Personal Financial Representative
Washington Mutual Bank
12.2004 - 09.2006
Sales Consultant
Neiman Marcus
05.2003 - 12.2004
Investment Specialist
Janus Mutual Funds
06.2001 - 05.2003
Financial Specialist
MetLife
11.2000 - 06.2001
Sales Consultant
Neiman Marcus
08.1996 - 11.2000
Christian Dior Counter Manager
Macy’s
02.1992 - 08.1996
Russian
University of Colorado
Russian, Armenian
University of Foreign Languages