Michael Halik
Rancho Santa Margarita,California
Summary
Organized Mortgage Loan Officer with 7+ years of experience in Loan Origination and Pipeline Management.Well-versed in loan products and customer engagement strategies.Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization.
Overview
8
8
years of professional experience
Work History
Mortgage Loan Originator
Ladera Lending Inc
08.2017 - Current
- Analyzed applicant financial data to determine eligibility for various loan products, tailoring recommendations based on individual needs.
- Maintained up-to-date knowledge of industry regulations, changes, and trends to provide accurate advice to clients.
- Provided exceptional customer service throughout the entire loan process from initial consultation to closing day.
- Worked closely with borrowers experiencing financial hardship, helping them explore alternative financing options or refinancing solutions.
- Managed a pipeline of mortgage applications, prioritizing tasks to ensure timely closings and meet clients'' needs.
- Assisted clients in understanding complex mortgage terms, facilitating informed decisions about their financing options.
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Structured loans creatively to address unique borrower situations and maximize approval chances without compromising compliance standards.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
Loan Partner 1
Summit Funding
03.2016 - 05.2018
- Contributed to team success by consistently surpassing performance goals in loan closures and application completions.
- Managed a diverse pipeline of loans, prioritizing tasks effectively to meet deadlines and maintain quality standards.
- Enhanced borrower satisfaction by providing exceptional customer service throughout the entire loan process.
- Increased referral business through proactive outreach efforts and exemplary client relationship management skills.
- Conducted regular pipeline reviews with management to assess progress toward team goals and identify areas for improvement.
- Minimized instances of missing or incomplete documentation by implementing a thorough file review process prior to submission for underwriting approval.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
Education
Diploma -
Trabuco Hills High School
Mission Viejo, CASkills
- Loan structuring
- Pipeline Management
- Underwriting guidelines
- Loan Origination
- Customer Service
- Attention to Detail
- Document Preparation
- Referral Generation
Timeline
Mortgage Loan Originator
Ladera Lending Inc
08.2017 - Current
Loan Partner 1
Summit Funding
03.2016 - 05.2018
Diploma -
Trabuco Hills High School