Marian McCullough
Bowie,MD
Summary
Proven track record of exceeding sales goals and enhancing customer satisfaction at Ameris Bank, showcasing expertise in residential mortgage lending regulations and relationship selling. Licensed Mortgage Loan Originator adept at financial analysis and regulatory compliance, achieving top-performing status through innovative strategies and goal-oriented focus. Organized Mortgage Loan Officer with 25 years of experience in extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations.
Overview
34
34
years of professional experience
Work History
Mortgage Loan Officer
Ameris Bank
01.2019 - Current
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
Senior Mortgage Loan Officer
M&T Bank
01.2019 - 06.2023
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Maintained strict confidentiality of bank records and client information.
- Submitted loan applications to underwriter for verification and recommendations.
- Developed strong relationships with customers through high levels of customer service.
- Reviewed credit reports thoroughly before making lending decisions, ensuring that all relevant information was considered when assessing risk levels associated with a specific borrower profile.
- Maintained compliance with federal regulations, ensuring proper documentation and adherence to guidelines throughout the loan process.
- Increased customer satisfaction levels through prompt, accurate, and friendly service in the loan process.
- Provided financial counseling to clients as part of the lending process, helping them understand their options and make well-informed decisions about borrowing money.
Mortgage Loan Officer
Fidelity Mortgage Group
01.2018 - 01.2019
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Negotiated competitive interest rates with lenders on behalf of clients, securing favorable terms that contributed to overall profitability.
- Streamlined internal workflows by implementing efficient organizational systems for tracking application progress, resulting in reduced processing times and improved communication among team members.
- Collaborated with underwriters to resolve complex issues and expedite the loan approval process.
- Mentored junior loan officers on best practices for building rapport with clients, managing time effectively, and closing deals successfully.
Residential Mortgage Loan Officer
George Mason Mortgage
01.2013 - 01.2018
- Achieved top-performing loan officer status by consistently meeting and exceeding sales goals.
- Managed a pipeline of multiple loans while maintaining strict adherence to deadlines and regulatory requirements.
- Educated clients on the mortgage process, assisting them with gathering necessary documentation for pre-approval applications.
- Negotiated loan terms and conditions with clients to maximize profitability.
- Fielded customer complaints and provided solutions.
Mortgage Loan Officer
Wells Fargo Mortgage
01.2008 - 01.2013
- Assisted first-time homebuyers in understanding the mortgage process, enhancing their overall experience.
- Collaborated with real estate agents, appraisers, title companies, and other professionals to expedite loan approval processes.
- Improved operational efficiency by implementing new procedures for document collection and review.
- Monitored portfolio performance and provided clients with periodic updates on loan progress.
- Monitored pipelines to track and log status of loans.
- Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
Loan Processor
National City Mortgage
09.1990 - 12.2007
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
Education
High School Diploma -
Northwestern High School
Baltimore, MDSkills
- Relationship selling
- Residential mortgage lending regulations
- Underwriting knowledge
- Financial Analysis
- Regulatory Compliance
- Refinancing options
- Marketing expertise
- Licensed Mortgage Loan Originator
Timeline
Mortgage Loan Officer
Ameris Bank
01.2019 - Current
Senior Mortgage Loan Officer
M&T Bank
01.2019 - 06.2023
Mortgage Loan Officer
Fidelity Mortgage Group
01.2018 - 01.2019
Residential Mortgage Loan Officer
George Mason Mortgage
01.2013 - 01.2018
Mortgage Loan Officer
Wells Fargo Mortgage
01.2008 - 01.2013
Loan Processor
National City Mortgage
09.1990 - 12.2007
High School Diploma -
Northwestern High School