Summary
Overview
Work History
Education
Skills
Timeline
Intern
Pamela Gallagher

Pamela Gallagher

Pineville,Louisiana

Summary

Organized Mortgage Loan Officer with 17 years of experience in Mortgage Lending. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations.

Overview

32
32
years of professional experience

Work History

Licensed Mortgage Loan Originator

J&L Processing
Shreveport, Louisiana
05.2022 - Current
  • Explained different types of loans pertaining to client situations.
  • Worked with underwriters to fix application problems and resolve issues.
  • Reviewed loan files and updated to match current standards.
  • Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
  • Fielded customer complaints and provided solutions.
  • Implemented sales strategies that established relationships with realtors and CPAs.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
  • Explained very technical financial information to applicants in easy to understand language.
  • Proactively identified solutions for customers experiencing credit issues.
  • Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.

Licensed Mortgage Loan Originator

Endurance Mortgage
Pineville, Louisiana
03.2010 - 04.2022
  • Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
  • Interviewed applicants to assess loan requirements before suggesting offers.
  • Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
  • Prepared documents for customers, submitting and overseeing through each step of closing process.
  • Collected information from banks, institutions and employers to assess applicant eligibility.
  • Reviewed loan files and updated to match current standards.
  • Explained different types of loans pertaining to client situations.
  • Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
  • Fielded customer complaints and provided solutions.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
  • Monitored pipelines to track and log status of loans.
  • Proactively identified solutions for customers experiencing credit issues.
  • Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.

Licensed Mortgage Loan Originator

Magnolia Mortgage
Alexandria, Louisiana
03.2005 - 03.2010
  • Explained different types of loans pertaining to client situations.
  • Worked with underwriters to fix application problems and resolve issues.
  • Reviewed loan files and updated to match current standards.
  • Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
  • Fielded customer complaints and provided solutions.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
  • Monitored pipelines to track and log status of loans.
  • Explained very technical financial information to applicants in easy to understand language.
  • Proactively identified solutions for customers experiencing credit issues.
  • Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.

Owner/Title Insurance Agent

HomeLand Title LLC
Alexandria, LA
06.2003 - 03.2005
  • Managed day-to-day business operations.
  • Consulted with customers to assess needs and propose optimal solutions.
  • Trained and motivated employees to perform daily business functions.
  • Enhanced operational efficiency and productivity by managing budgets, accounts and costs.
  • Conducted title searches on properties for customers to purchase
  • Prepared documents for closing.
  • Provided all post closing obligations, such as recording legal documents and writing title insurance policies.
  • Balanced and funded all fees involved in the closing transaction

Real Estate Title Clerk

Walker, Passman & Michiels
Alexandria, LA
06.1998 - 06.2003

Opened New files as contracts came in.

Ordered title abstract

Obtained pertinent buyer and seller information to accurately prepare documents

Prepare closing package.

Record legal documents

Disburse all funds pertaining to the transaction accurately.

Any and all follow up to finalize the transaction.

Electronic Services Department

Security First National Bank
Alexandria, LA
01.1991 - 06.1998

Reconcile general ledger/due from bank accounts.

Balance /video monitoring of ATM machines.

Bookkeeping.

Electronic Services including debit cards and internet banking.

Balance and maintain money order transactions and accounts.

Some internal auditing

Education

GED -

Pineville High School
Pineville, LA
05.1987

Skills

  • Referral Network Development
  • Customer Relations
  • Creditworthiness Determination
  • Financial History Analysis
  • Payment Schedule Computation
  • Dodd-Frank Act
  • Government Lending
  • Complaint Handling
  • Credit File Updating
  • Loan Processing Coordination
  • Credit History Review
  • Application Reviews
  • Loan File Maintenance
  • Automated Underwriting Systems
  • Retail Mortgages
  • Creative Solutions
  • Reading Comprehension
  • Real Estate Title Concepts
  • Processing Loan Applications
  • Nationwide Mortgage Licensing System (NMLS)
  • Oral and Written Comprehension
  • Credits Understanding
  • Customer Inquiries
  • Lender Collaboration
  • Active Listening and Learning
  • Home Mortgage Disclosure Act
  • Calyx Point

Timeline

Licensed Mortgage Loan Originator

J&L Processing
05.2022 - Current

Licensed Mortgage Loan Originator

Endurance Mortgage
03.2010 - 04.2022

Licensed Mortgage Loan Originator

Magnolia Mortgage
03.2005 - 03.2010

Owner/Title Insurance Agent

HomeLand Title LLC
06.2003 - 03.2005

Real Estate Title Clerk

Walker, Passman & Michiels
06.1998 - 06.2003

Electronic Services Department

Security First National Bank
01.1991 - 06.1998

GED -

Pineville High School
Pamela Gallagher