Nikita Khvatov
Loan Officer
Studio City,CA
Summary
Reliable and personable, with strong communication and analytical skills. Possesses solid understanding of financial principles and credit analysis, coupled with proficiency in customer service and data management. Committed to facilitating smooth loan processes and ensuring customer satisfaction.
Overview
11
11
years of professional experience
1
1
Certification
2
2
Languages
Work History
Mortgage Loan Officer
Gold Star Mortgage Financial Group
06.2024 - Current
- Originated and processed mortgage loans, including applications, documentation, and verification of financial information
- Assisted clients with selecting the right loan product based on their needs and financial profile
- Conducted one-on-one consultations with clients to assess their financial situation and advise them on appropriate loan options
Business Owner/Manager
AN Transportation Systems
08.2021 - 11.2023
- Facilitated the smooth relocation of over 1,000 vehicles, providing tailored solutions to clients
- Provided clients with competitive quotes for vehicle relocation services, where prices fluctuated considerably on a weekly or even daily basis
- Maintained strong relationships with clients, partners, and carriers in the car carrier industry
- Demonstrated in-depth knowledge of the logistics and transportation aspects of vehicle relocation
Business Owner/Manager
AN Transportation Systems
02.2019 - 07.2021
- Managed logistics and operations for 903 residential and commercial moves, ensuring smooth execution and high customer satisfaction
- Utilized exceptional communication and persuasion skills to acquire new clients and retain existing ones
- Established strong customer relationships through excellent communication and attentive service.
- Consulted with customers to assess needs and propose optimal solutions.
General Manager/Sales Manager
Route 66 Moving and Storage
07.2018 - 01.2019
- Coordinated and dispatched moving crews to clients in the most efficient and timely manner.
- Monitored financial performance, set budgets and controlled expenses to provide financial stability and long-term organizational growth.
- Cultivated strong relationships with clients, vendors, and partners to ensure long-term success and loyalty.
- Consistently met sales targets, closing approximately 540 customers in six months.
- Utilized effective sales techniques to persuade customers to choose our company.
- Explained the steps involved in moving services to earn the trust of potential clients.
- Provided clients with a detailed quote breakdown to build confidence, ensuring they could expect a fair total price with no hidden fees.
- Offered additional services such as: monthly or overnight storage, packing unpacking services, wrapping materials.
Junior Researcher
IEF RAS (The Institute of Economic Forecasting of the Russian Academy of Sciences)
10.2015 - 06.2017
- Studied the structure of the money supply in the Russian money market based on statistics of deposit placements in bank accounts.
- Maintained and updated quantitative, and qualitative economic, financial, statistical databases.
- Wrote and published articles on monetary policy in economic magazines.
Internship Student
Ministry of Finance of the Russian Federation. Department of Public Debt and State Financial Assets
06.2014 - 08.2014
- Focused on the management of sovereign funds, the structure of state financial assets, and regulatory frameworks related to budget policy and the placement of federal budget funds in bank deposits.
- This invaluable experience provided me with a strong foundation in the day-to-day financial operations of government.
- Improved internship experience by efficiently managing assigned tasks and meeting deadlines.
- Gained practical experience in various aspects of the field, applying academic knowledge to real-world situations.
Education
ACCT_102 - Accounting
San Diego Miramar College
San Diego, United States 05.2001 -
Ph.D. (Incomplete) - Banking And Finance
IEF of The Russian Academy of Sciences
Moscow, Russia 05.2001 -
Master of Science - Economics
Lomonosov Moscow State University
Moscow, Russia 05.2001 -
Bachelor of Science - Finance
Kazan Federal University
Kazan, Russia 05.2001 -
Skills
Proficient in loan origination
Certification
NMLS, 02/01/24, Present, Completed required 20 hours of pre-licensing coursework, which covered topics of federal law and regulations, ethics, lending standards, and mortgage origination.
Accomplishments
Earned a merit-based scholarship covering full tuition for a Master's in Economics, awarded by the foundation of Forbes-listed entrepreneur Oleg Deripaska, following top performance in a national competition.
Timeline
Mortgage Loan Officer
Gold Star Mortgage Financial Group
06.2024 - Current
Business Owner/Manager
AN Transportation Systems
08.2021 - 11.2023
Business Owner/Manager
AN Transportation Systems
02.2019 - 07.2021
General Manager/Sales Manager
Route 66 Moving and Storage
07.2018 - 01.2019
Junior Researcher
IEF RAS (The Institute of Economic Forecasting of the Russian Academy of Sciences)
10.2015 - 06.2017
Internship Student
Ministry of Finance of the Russian Federation. Department of Public Debt and State Financial Assets
06.2014 - 08.2014
ACCT_102 - Accounting
San Diego Miramar College
05.2001 -
Ph.D. (Incomplete) - Banking And Finance
IEF of The Russian Academy of Sciences
05.2001 -
Master of Science - Economics
Lomonosov Moscow State University
05.2001 -
Bachelor of Science - Finance
Kazan Federal University
05.2001 -
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