Summary
Overview
Work History
Education
Skills
References
Timeline
Generic

Nicole Wells

Pensacola

Summary

Driven Mortgage Loan Originator with proven background in residential lending environments. Demonstrates comprehensive knowledge of loan products, structuring, and underwriting guidelines. Utilizes strong interpersonal skills to build lasting relationships with clients and Realtor partners, resulting in successful loan origination and satisfaction. Known for problem-solving abilities, ensuring smooth transactions while adhering to compliance regulations.

Overview

10
10
years of professional experience

Work History

Licensed Mortgage Loan Originator

Ameris Bank
06.2023 - Current
  • Analyzes income documents along with applicants' liabilities in order to calculate DTI - including self-employed and rental incomes
  • Evaluates applicants credit history for creditworthiness
  • Refers to internal and investor guidelines in order to determine borrowing eligibility
  • Reviews asset statements for red flags and works with applicants to source any large deposits or transfers
  • Works with FHA, VA, Conventional, USDA, Portfolio and Jumbo loans
  • Works with Project Associations to obtain necessary condo documents for financing approval
  • Gathers relevant legal documentation when there is a pending litigation with the Condo, allowing for analysis of the Project's potential risk
  • Utilizes Excel to manage sales pipeline progression and ensure all contractual deadlines are met
  • Prepares loan disclosures as required by Federal and State laws
  • Examines hazard and flood insurance policies to ensure sufficient coverage

Mortgage Loan Officer Assistant

Movement Mortgage
03.2022 - 04.2023
  • Met and exceeded company goals in performance deadlines
  • Took on the role of the Processor in reviewing credit documentation for any stated income inconsistencies or calculation errors
  • Coordinated between Closing Attorneys, Real Estate & Insurance Agents to meet all contractual deadlines

Mortgage Loan Officer Assistant

Renasant Bank
Pensacola
10.2020 - 03.2022
  • Averaged $75Million in annual closed loan sales
  • Took over the roles of Processor and Closing Agent in order to avoid delay in department turnaround times, in turn increasing sales production
  • Worked closely with Closing Attorney to draft and balance Initial Closing Disclosures

Senior Financial Consultant & Trainer

Regions Bank
Pensacola
09.2018 - 10.2020
  • Educated clients on various financial matters, provided professional recommendations on investment opportunities, lending products and services
  • Averaged 210% in expected performance goals in product sales and loans extended
  • Offered support to teammates, reviewing daily reports to ensure all account/ loan exceptions were resolved for each associate
  • Possessed expert knowledge of competitive and third-party products and translated the knowledge into a business strategy
  • Supported staff development through associate training and instructional development

Assistant Branch Manager

Warrington Bank
Pensacola
08.2015 - 09.2018
  • Managed full-service branch: Trained branch staff in customer service skills, company and Federal Regulation compliance and needs-based sales
  • Developed relationships with individual & commercial clients through account management and needs-based sales
  • Performed all responsibilities of the branch including: Managing two cash vaults, ATM daily balancing, transaction processing, establishing new deposit accounts, account maintenance, manually proofing transaction paperwork, domestic and foreign wire transfers and provided a safe work environment through continued security training/ practices

Education

Bachelor of Arts - Studio Art, Professional Education

University of West Florida
Pensacola, FL
12.2013

Skills

  • Sales pipeline and deadline management
  • Adaptability in challenging environments
  • Encompass proficiency
  • Blend and Mortgage Bot expertise
  • PCL mortgage director experience
  • Attention to detail
  • Verbal and written communication skills
  • Regulatory compliance

References

References available upon request.

Timeline

Licensed Mortgage Loan Originator

Ameris Bank
06.2023 - Current

Mortgage Loan Officer Assistant

Movement Mortgage
03.2022 - 04.2023

Mortgage Loan Officer Assistant

Renasant Bank
10.2020 - 03.2022

Senior Financial Consultant & Trainer

Regions Bank
09.2018 - 10.2020

Assistant Branch Manager

Warrington Bank
08.2015 - 09.2018

Bachelor of Arts - Studio Art, Professional Education

University of West Florida

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