Patrick O'Neal
Southfield,USA
Summary
A strong analytical, organizational and problem-solving competency that will contribute to the efficiency of any organization. Demonstrated ability to meet strict deadlines and maintain high quality standards. Excellent public relations and team building skills, necessary to enhance productivity and achieve corporate objectives efficiently. Well developed communication skills with ability to teach and mentor others.
Experienced financial professional prepared to excel in this role. Proven track record of originating and closing loans while ensuring compliance with regulations. Strong focus on team collaboration and achieving results, with reputation for reliability and adaptability. Skilled in customer service, risk assessment, and financial analysis, offering high degree of professionalism and results-driven mindset.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Mortgage Banker
SHORE MORTGAGE
01.2008
- Responsible for originating new mortgage loan applications.
- Prospected potential customers in state and across the country in regards to different mortgage financing options available to them.
- Converted high volume of printed leads to closed loans increasing revenue.
Mortgage Banker
SHORE MORTGAGE
01.2008
- Responsible for originating new mortgage loan applications.
- Prospected potential customers in state and across the country in regards to different mortgage financing options available to them.
- Converted high volume of printed leads to closed loans increasing revenue.
Retail Credit Analyst
TD Bank
02.2023 - Current
- Responsible for ensuring quality and compliance within an assigned portfolio.
Jr. Underwriter (Mobile)
PRMG Mortgage
09.2020 - 12.2022
- Performs the daily functions connected with loan processing. Effectively processes loans in accordance with company policies and procedures.
- Verifies, compiles, and inputs/updates application information for mortgage loans.
- Reviews residential loan application file to verify that application data is complete and meets establishment standards, including type, and amount of mortgage applied for including but not limited to borrower credit, assets, liabilities, and length of employment.
- Ability to run AUS after application data is confirmed to be accurate and meets guidelines.
- Ability to order verifications (income, assets, credit, liabilities) to verify accuracy of information stated on loan application.
- Demonstrated expertise in various types of loans, including FHA, VA, and conventional mortgages.
Underwriter II
United Shore
08.2019 - 09.2020
- Provide elite service to internal and external clients. Communicate with clients on loan conditions and statuses via phone or video message.
- Learning investor guidelines, lending policies, and the required documentation, policy and procedures of United Shore.
- Applying knowledge and judgment to detailed loan analyses to offer effective underwriting alternatives to clients.
Behavior Technician
CENTRIA HEALTHCARE
03.2017 - 12.2019
- Worked one-on-one with children with autism to implement techniques that help them navigate everyday processes.
- Provided in-home or in-center care for 2-5 hours at a time.
- Used ABA Therapy to help my client better understand how to communicate, react, learn, process and socialize and digitally documented the client's daily progress.
Tax Preparer
Accounting Aid Society
12.2018 - 05.2019
- Responsible for preparing tax returns using TaxSlayer in accordance with MI State and Federal tax regulations to ensure proper compliance standards for clients daily, based on scheduled appointments and walk in customers as needed.
Loan Coordinator 2
LENDERLIVE NETWORK LLC
10.2016 - 11.2018
- Perform daily proactive pipeline management.
- Communicate with customer and Loan Officer consistently and effectively, while providing excellent service.
- Maintain contact schedule with customer and Loan Officer, updating loan record on all communication.
- Communicate effectively and build relationships internally between the closing, UW, VC, set up, and lock desk departments.
Account Executive
United Wholesale Mortgage
12.2014 - 10.2016
- As an account executive at United Wholesale Mortgage, my responsibilities include working with brokers from across the country to help facilitate mortgage transactions.
- Skills Used: Customer Service, Sales
Clerk
Meijer
04.2015 - 04.2016
- Part Time Display Setter and Merchandise Stocker.
- Skills Used: Organizational, Customer service
Direct Sales Representative
Comcast
05.2014 - 12.2014
- Develop and track sales follow-up methods, customer leads, contacts, and sales results using an organized approach.
- The ability to develop and maintain a strong understanding of Comcast products, including competitive knowledge of features, benefits, product differences and pricing.
- The ability to drive a sale, going from the initial contact to the follow-up with a customer prospect.
VA Sr Loan Processor
JPMorgan Chase Bank, N.A
01.2010 - 01.2014
- Communicate directly with customers and agents to achieve an ideal customer experience.
- Understand and abide by all Chase and Federal Compliance regulations.
- Review title insurance, flood, tax certificates, and surveys to ensure they meet Chase guidelines.
- Prepare and calculate income and assets thoroughly before submission to underwriting, when applicable.
- Obtain and review documents for acceptability against loan conditions.
- Coordinate with buyers, sellers, title companies, escrow agents, and real estate agents to schedule loan closings (Nationwide).
Education
BS - Business Management
University of Phoenix
Southfield, MISkills
- Loan structuring
- Loan servicing
- Purchasing processes
- Document preparation
- Credit analysis
- Debt-to-income analysis
- Evaluating programs
- Financial analysis
Certification
chauffeur license
Personal Information
- Title: Customer Service Professional
- Driving License: chauffeur license
Timeline
Retail Credit Analyst
TD Bank
02.2023 - Current
Jr. Underwriter (Mobile)
PRMG Mortgage
09.2020 - 12.2022
Underwriter II
United Shore
08.2019 - 09.2020
Tax Preparer
Accounting Aid Society
12.2018 - 05.2019
Behavior Technician
CENTRIA HEALTHCARE
03.2017 - 12.2019
Loan Coordinator 2
LENDERLIVE NETWORK LLC
10.2016 - 11.2018
Clerk
Meijer
04.2015 - 04.2016
Account Executive
United Wholesale Mortgage
12.2014 - 10.2016
Direct Sales Representative
Comcast
05.2014 - 12.2014
VA Sr Loan Processor
JPMorgan Chase Bank, N.A
01.2010 - 01.2014
Mortgage Banker
SHORE MORTGAGE
01.2008
Mortgage Banker
SHORE MORTGAGE
01.2008
BS - Business Management
University of Phoenix
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