Michelle Vogl
Fergus Falls,Minnesota
Summary
Accomplished Loan Officer able to consistently achieve sales goals while offering the utmost care in client relations. Excited and motivated to help customers build successful financial futures.
Overview
18
18
years of professional experience
Work History
Vice President of Retail Banking
Northwestern Bank
01.2019 - Current
- Developed and maintained relationships with local real estate agents.
- Complied applications and paperwork and double-checked for accuracy.
- Provided expert financial advice on mortgage and both educational and personal loans.
- Executed loan origination process, including ordering credit reports, appraisals and preliminary title reports.
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
Mortgage Loan Officer
Gate City Bank
01.2017 - 01.2019
- Executed loan origination process, including ordering credit reports, appraisals and preliminary title reports.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Provided expert financial advice on mortgage and both educational and personal loans.
- Exceeded quarterly sales goals by 20%.
- Submitted applications to credit analysts.
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
- Developed and maintained relationships with local real estate agents.
Home Mortgage Consultant
Wells Fargo
01.2011 - 01.2017
- Employed marketing techniques such as cold calling and asking for referrals to expand book of business.
- Presented and processed client loan documents and ensured comprehension of essential language.
- Counseled clients on the home purchasing and loan process, as well as on industry topics such as refinancing and investment properties.
- Exceeded quarterly sales goals by 25%.
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Actively follow-up with prospects and hot leads.
- Communicated with owners regarding home and loan status.
- Maintained high referral rates and exceptional feedback from previous clients.
- Developed close relationships with area realtors and promoted builders to boost referral network.
Credit Underwriter
US Bankcorp
05.2005 - 12.2010
- Reviewed credit various businesses for equipment.
- Analyzed company credit.
- Reviewed the credit of the business owner's..
- Communicated with sales team with credit decisions.
- Verified credentials and company details.
Education
MBA - Business
Southwest Minnesota State University
Marshall, MNBachelor of Science - Hotel, Motel, And Restaurant Management
Southwest Minnesota State University
Marshall, MNSkills
- Ethical business standards
- Assessing loan qualification
- Mortgage program recommendations
- Customer service-focused
- Lead follow up
- Proficient in Microsoft Office
- Sales presentations
- Honest and ethical
- Exceeds sales goals
- Excellent communicator
- Highly professional
- Mortgage Banking and Analysis
- Critical Thinking
- Customer Education
- Rules and Regulations
- Business Growth and Marketing Strategies
- Negotiation and Persuasion
- Articulate Communication
Timeline
Vice President of Retail Banking
Northwestern Bank
01.2019 - Current
Mortgage Loan Officer
Gate City Bank
01.2017 - 01.2019
Home Mortgage Consultant
Wells Fargo
01.2011 - 01.2017
Credit Underwriter
US Bankcorp
05.2005 - 12.2010
MBA - Business
Southwest Minnesota State University
Bachelor of Science - Hotel, Motel, And Restaurant Management
Southwest Minnesota State University
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