Michael Houston
Summary
Experienced Loan Officer skilled at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service.
Overview
16
16
years of professional experience
Work History
Loan Consultant
Loan Depot
04.2023 - Current
- Consulted with customers using positive communication and active listening skills, offering sound feedback and answering critical questions with effective solutions.
- Reviewed customer applications closely to identify any opportunities for further development and revenue.
- Built positive relationships with customers by offering best financing and product options for their lending needs.
- Educated customers about the different loan options, benefits and restrictions.
Loan Officer
Bay Equity
05.2022 - 04.2023
- Developed strong relationships with customers through high levels of customer service.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Submitted loan applications to underwriter for verification and recommendations.
Loan Originator
Redfin Mortgage
11.2021 - 04.2022
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Worked with Redfin Agents to help their clients with pre-approvals and giving the best customer service possible.
CEO
ProForce Fitness Solutions
10.2017 - 10.2020
- Established foundational processes for business operations.
- Managed partnerships and strategic business relationships by negotiating contract terms and handling conflicts.
- Built productive relationships with industry partners and competitors to support strategic business objectives.
- Worked with many fitness equipment manufacturers to secure product.
- Sold fitness equipment to many fitness gyms and provided service when needed.
Sales Consultant
Precor Home Fitness
03.2016 - 03.2017
- Used consultative sales techniques to understand customer needs and recommend relevant products and services.
- Provided sales and customer service assistance to walk-in traffic
- Responded to telephone and in-person requests for information.
- Followed up with existing customers to provide additional support and address concerns.
Loan Originator
PNC Bank
08.2015 - 01.2016
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Interviewed applicants to assess loan requirements before suggesting offers.
- Prepared documents for customers, submitting and overseeing through each step of closing process.
Sales Consultant
2nd Wind Exercise Equipment
01.2014 - 08.2015
- Used consultative sales techniques to understand customer needs and recommend relevant products and services.
- Provided sales and customer service assistance to walk-in traffic
- Responded to telephone and in-person requests for information.
- Followed up with existing customers to provide additional support and address concerns.
Account Executive
Interbank Mortgage
05.2013 - 11.2013
- Built and strengthened relationships with new and existing accounts to drive revenue growth.
- Qualified leads, built relationships and executed sales strategies to drive new business.
- Executed successful sales strategies to convert leads into customers.
- Resolved issues promptly to drive satisfaction and enhance customer service.
Mortgage Loan Advisor
Royal United Mortgage
11.2012 - 05.2013
- Developed and maintained relationships with customers, lenders and other third parties.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Processed loan applications and monitored progress from start to finish.
- Assisted customers with completing loan applications and other paperwork.
Liquor Distributor Sales Rep
Stoller Wholesale
07.2009 - 01.2011
- Drove team revenue totals by bringing in top sales numbers.
- Worked with sales leaders in development and implementation of big picture strategies to secure business from competitors.
- Performed cost-benefit analysis of existing and potential customers for informed decision making.
- Sold wine and spirits to bars and restaurants.
- Worked with many companies to get their product into bars and liquor stores throughout the Chicagoland area.
Midwest Regional Manager
Snow Queen Vodka
11.2008 - 07.2009
- Cultivated culture of open communication, collaboration and shared accountability for business success.
- Oversaw daily, weekly and monthly business reporting and leveraged information to optimize forecasting and future business plans.
- Recognized and rewarded performance to motivate continued success.
- Worked with many distributors to push our product and support their sales staff to help them make product placement into bars and restaurants.
- Ran sales incentives and sales contest to help promote Snow Queen Vodka.
Midwest Regional Manager
Dos Lunas Tequila
02.2008 - 11.2008
- Cultivated culture of open communication, collaboration and shared accountability for business success.
- Oversaw daily, weekly and monthly business reporting and leveraged information to optimize forecasting and future business plans.
- Recognized and rewarded performance to motivate continued success.
- Supported site management to empower front-line associates with skills and knowledge to carry out day-to-day assignments.
- Ran sales programs for many distributors.
- Worked side by side with the sales staff to push product placement at bars and restaurants.
Education
Bachelor of Arts - Business, History, Political Science
Arizona State University
Tempe, AZ05.2017
High School Diploma -
Hoffman Estates High School
Hoffman Estates, IL06.2001
Skills
- Loan Origination
- Sales Expertise
- Business Development
- Analyze Financial Histories
- Sales Pipeline Maintenance
- Client Relations
- Financial Services
Timeline
Loan Consultant
Loan Depot
04.2023 - Current
Loan Officer
Bay Equity
05.2022 - 04.2023
Loan Originator
Redfin Mortgage
11.2021 - 04.2022
CEO
ProForce Fitness Solutions
10.2017 - 10.2020
Sales Consultant
Precor Home Fitness
03.2016 - 03.2017
Loan Originator
PNC Bank
08.2015 - 01.2016
Sales Consultant
2nd Wind Exercise Equipment
01.2014 - 08.2015
Account Executive
Interbank Mortgage
05.2013 - 11.2013
Mortgage Loan Advisor
Royal United Mortgage
11.2012 - 05.2013
Liquor Distributor Sales Rep
Stoller Wholesale
07.2009 - 01.2011
Midwest Regional Manager
Snow Queen Vodka
11.2008 - 07.2009
Midwest Regional Manager
Dos Lunas Tequila
02.2008 - 11.2008
Bachelor of Arts - Business, History, Political Science
Arizona State University
High School Diploma -
Hoffman Estates High School
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