Ojay Smith
Schenectady,NY
Summary
Detail-oriented Sales person with 4+ years of experience. Adept at planning and working with clients for long periods of time. Committed to accuracy and financial success.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Mortgage Loan Originator
Community Bank NA
Latham, NY
03.2023 - 10.2023
- Analyzed financial information provided by customers in order to determine eligibility for loans.
- Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
- Met with applicants to obtain information for loan applications and answer questions about processes.
- Ensured compliance with federal and state laws when originating mortgages.
- Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
- Attended industry events, seminars, workshops for professional development purposes.
- Developed relationships with real estate agents, builders, title companies, attorneys and other referral sources.
- Educated customers regarding actions and strategies for debt repayment.
- Submitted applications to credit analysts.
- Assisted customers in obtaining necessary documentation needed for loan approval purposes.
Mortgage Loan Officer
Hunt Mortgage
Clifton Park, NY
07.2022 - 03.2023
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Identified lending risks and implemented strategies to reduce loan defaults.
- Developed relationships with real estate agents, builders and other referral sources in order to generate business leads.
- Educated customers regarding actions and strategies for debt repayment.
- Assessed customer financial status and credit worthiness to determine eligibility for mortgage loans.
- Processed new loan applications in accordance with established guidelines.
- Informed customers of application deadlines, approvals and denials.
- Gathered client debt, credit and income information to determine loan eligibility.
- Educated customers on various aspects of mortgage financing options available.
- Met with applicants to obtain information for loan applications and answer questions about loan process.
- Approved or denied loan applications and explained reasoning behind decisions.
- Submitted applications to credit analysts.
- Verified client financial information to determine creditworthiness and loan eligibility.
Mortgage Loan Processor
Sunmark Credit Union
Latham, NY
06.2020 - 05.2022
- Coordinated activities between lenders, attorneys, realtors, insurance companies.
- Provided customer service by responding to inquiries regarding loan status.
- Checked applicant credit, personal references and employment histories.
- Maintained accurate records in accordance with company policy and procedures.
- Analyzed financial data such as income, assets, liabilities, and credit history to determine risk factors associated with each loan application.
- Established credit limits and grant extensions of credit on overdue accounts.
- Reviewed loan applications and verified accuracy of borrower information.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Managed loan application pipeline by completing and submitting reports within allotted turn-around times.
- Reviewed and corrected errors on interest, principal and closing costs.
Personal Banker
Ballston Spa National Bank
Ballston Spa, NY
05.2019 - 06.2020
- Analyzed financial information provided by customers in order to determine eligibility for loans.
- Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
- Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
- Resolved problems or discrepancies concerning customers' accounts.
- Maintained confidentiality of bank records and client information.
- Leveraged customer service and sales abilities to consistently meet performance goals.
- Balanced daily cash deposits and vault inventory with zero error rate.
- Entered customer transactions into computers to record transactions and issue computer-generated receipts.
Education
High School Diploma -
Cedric Titus High School
Jamaica 05-2012
Skills
- Licensed Mortgage Loan Originator
- Advertising and Marketing
- Data Entry
- Computer Skills
- Communication
- Troubleshooting
- Organization and Time Management
- Relationship Building
- Customer Service
Certification
- License Mortgage Loan Officer
Timeline
Mortgage Loan Originator
Community Bank NA
03.2023 - 10.2023
Mortgage Loan Officer
Hunt Mortgage
07.2022 - 03.2023
Mortgage Loan Processor
Sunmark Credit Union
06.2020 - 05.2022
Personal Banker
Ballston Spa National Bank
05.2019 - 06.2020
High School Diploma -
Cedric Titus High School
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