Michael Johnson

My wife and I made the decision for me to be a stay home parent to keep our child out of daycare. While staying home with my child, I took the opportunity to attend College at Whatcom Community College to earn my Associate of Applied Science degree for Business Administration. This degree will be completed August 2025.

• Maintained up-to-date knowledge of real estate market trends, enabling informed recommendations to clients seeking financing options.
• Implemented effective marketing strategies to attract new clients while maintaining strong relationships with existing ones.
• Coordinated closely with escrow agents and title companies to ensure timely closings without complications or delays.
• Conducted thorough analyses of applicant credit profiles, allowing accurate assessments of risk and appropriate loan structuring.
• Assisted creating policies for their new lending program selling mortgages to FHLB (underwritten to Fannie Mae guidelines).

• Conducted thorough borrower assessments to determine appropriate loan products based on individual needs and qualifications.
• Collaborated with internal teams to ensure seamless coordination during the entire loan origination process.
• Negotiated favorable terms and conditions for clients, ensuring the best possible mortgage options.
• Reviewed credit reports and financial statements to accurately assess risk factors before submitting loans for approval.

• 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.
• Assisted customers in selecting appropriate loan products based on their financial needs and goals.
• 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.

• Disbursed cash and checks accurately while maintaining security of cash drawers.
• Balanced cash drawers daily, identifying discrepancies and taking corrective actions as needed.
• Processed customer transactions promptly, minimizing wait times.