Verified
This profile is verified using an email address.
N. Fay McLean
Enterprise,AL
Work Preference
Summary
Dedicated Senior Mortgage Loan Officer with a proven track record in client financial evaluation and regulatory compliance. Skilled in facilitating smooth transactions and educating clients on mortgage options.
Overview
1
1
Certification
18
18
years of professional experience
Work History
Assistant Vice President of Mortgage Lending
Local Bank
Red Level, Alabama
06.2023 - 01.2026
- Reviewed credit requests, financial statements, and risk files.
- Evaluated client financial profiles to recommend suitable mortgage products.
- Processed challenging loan applications for first-time borrowers, self-employed applicants and borrowers with problematic credit histories.
- Coordinated communication among clients, underwriters, and real estate agents to streamline transactions.
- Ensured compliance with regulations by thoroughly reviewing loan terms and conditions.
- Resolved concerns and answered questions for parties involved with each transaction to promote successful outcomes.
- Gathered pertinent documents required for closing a mortgage loan transaction.
- Created alliances and built relationships with many financial institutions and real estate agents.
- Monitored loan progress, ensuring timely processing and closing.
Mortgage Loan Officer
First Bank
Birmingham, Alabama
03.2020 - 04.2023
- Reviewed client financial profiles to suggest suitable mortgage products.
- Supported clients through mortgage application and approval steps.
- Assessed customer financial status and creditworthiness to determine eligibility for mortgage loans.
- Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
- Worked with underwriters to keep loan processing moving on schedule.
- Conducted regular follow-ups with clients to address inquiries and concerns.
- Educated customers on various aspects of mortgage financing options available.
- Maintained current knowledge of secondary market trends, government programs and other available financing sources.
- Stayed current on mortgage regulations and industry trends.
- Ensured compliance with all federal, state and local regulations related to mortgage lending.
- Evaluated existing customer accounts for refinancing opportunities or additional services offered by the company.
Mortgage Loan Officer
Renasant Bank
Birmingham, Alabama
04.2008 - 03.2020
- Processed mortgage loans in line with Renasant Bank lending guidelines.
- Guided borrowers through loan choices and application steps.
- Examined credit reports, income documents, and asset records.
- Gathered completed applications and required mortgage files.
- Coordinated with processors, underwriters, and closers on files
- Maintained compliance with federal, state, and Renasant policies
- Built referral relationships with real estate agents and builders
- Guided customers through mortgage steps using clear communication
- Provided guidance on various types of mortgages such as FHA loans, VA loans, conventional loans.
- Educated customers on various aspects of mortgage financing options available.
- Ensured compliance with all federal, state and local regulations related to mortgage lending.
- Developed relationships with real estate agents, builders and other referral sources in order to generate business leads.
- Maintained current knowledge of secondary market trends, government programs and other available financing sources.
Education
High School Diploma -
Putnam City High School
Oklahoma City, OK05-1979
Skills
- Origination expertise
- Loan assistance
- Product evaluation
- Financial profiling
- Documentation gathering
- Regulatory compliance
- Compliance review
- FHA/VA expertise
- Credit analysis proficiency
- Financial assessment techniques
- Income verification techniques
- Loan restructuring strategies
- Refinancing strategies
- Closing process coordination
- Customer management
- Effective communication
- Interpersonal communication
- Problem solving
- Attention to detail
- Team collaboration
- Regulatory knowledge
- Mortgage products
Certification
- NMLS License
Timeline
Assistant Vice President of Mortgage Lending
Local Bank
06.2023 - 01.2026
Mortgage Loan Officer
First Bank
03.2020 - 04.2023
Mortgage Loan Officer
Renasant Bank
04.2008 - 03.2020
High School Diploma -
Putnam City High School