Pezhman Kojoori
Loan Officer Head Of Market Area
Arlington,TX
Summary
Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service.
Overview
25
25
years of professional experience
2
2
Certifications
3
3
Languages
Work History
Loan Officer, Head of Market Area
Postbank Finanzberatung AG
07.2016 - Current
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Maintained strict confidentiality of bank records and client information.
- Submitted loan applications to underwriter for verification and recommendations.
- Developed strong relationships with customers through high levels of customer service.
- Collaborated with other departments to promptly process loan applications.
- Developed and implemented marketing campaigns to attract new customers.
- Advised clients on mortgage, education and personal loans.
- Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
- Monitored performance of existing loan portfolios to identify and address any issues.
- Utilized risk management strategies to attain high loan approval rates.
- Examined customer loan applications for loan approvals and denials.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Developed systems to efficiently track loan documents and enhance accuracy.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Compiled closing packages for drafting and presentation accuracy.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Assisted customers with completing loan applications and other paperwork.
- Developed and maintained relationships with customers, lenders and other third parties.
- Proactively identified solutions for customers experiencing credit issues.
- Monitored pipelines to track and log status of loans.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Explained very technical financial information to applicants in easy to understand language.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Negotiated loan terms and conditions with customers to secure best deal.
- Researched and updated industry knowledge on changing legislation and regulations.
- Processed loan applications and monitored progress from start to finish.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Assessed loan portfolios for compliance with underwriting policies.
Mortgage Broker
Wuestenrot Bausparkasse AG
05.2013 - 06.2016
- Assessed clients' financial data to determine loan suitability.
- Collaborated with and facilitated communications between borrowers and lenders to obtain ideal loans for home purchases.
- Evaluated borrower financial information, pay stubs and credit history to determine loan possibility.
- Explained entire mortgage loan process to borrower.
- Mentored other mortgage brokers in methods to help each land new clientele.
- Collaborated with different lenders to find best possible deal for homebuyers.
- Established strong relationships with borrowers, which helped to forge new business opportunities.
- Explained different types of loans pertaining to client situations.
- Fielded customer complaints and provided solutions.
- Reviewed loan files and updated to match current standards.
- Worked with underwriters to fix application problems and resolve issues.
- Monitored portfolio performance and provided clients with periodic updates on loan progress.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Developed and implemented marketing campaigns to generate new business opportunities.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Checked loan documents for accuracy prior to closing.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Negotiated loan terms and conditions with clients to maximize profitability.
Insurance Specialist
Allianz Insurance
10.2012 - 04.2013
- Tracked pending authorizations to resolve discrepancies and avoid revenue loss.
- Maintained confidentiality of patient finances, records, and health statuses.
- Followed up on denials, late payments, extensions and other special circumstances.
- Maintained high standards of customer service by building relationships with clients.
- Researched and resolved routine and complex issues.
- Communicated effectively with members of operations, finance, and clinical departments.
- Processed eligibility and benefits verification and authorization requests.
Investment Advisor Assistant
Quant Capital AG
12.2008 - 06.2009
- Established key procedures for teams preparing documentation, models, and presentations.
- Met and collaborated with existing and prospective clients to ascertain financial goals and provide recommendations on investment solutions.
- Researched companies and prepared presentations for management and prospective buyers.
- Contacted and lined up fellow investors to enable successful IPOs.
- Met with clients to generate new business and negotiate contracts.
- Gathered data and built financial models around key metrics.
- Contacted potential clients to pursue sales and gather funds.
Telecommunications Specialist
Self-employed
07.2003 - 11.2008
- Installed and configured new devices and system components.
- Implemented, developed and maintained telecommunications disaster recovery plans to guarantee business continuity.
- Helped customers complete purchases, locate items, and join reward programs.
- Offered each customer top-notch, personal service to boost sales and customer satisfaction.
- Used POS system to process sales, returns, online orders, and gift card activations.
- Developed professional relationships with customers to increase loyalty, retention and rapport.
- Helped customers navigate choices between services with support for questions such as terms, pricing, and availability.
Civil Engineer Technician
Petroleum Refinery Bandar Abbas
01.2001 - 01.2002
- Inspected project sites to monitor progress and adherence to design specifications, safety protocols and state sanitation standards.
- Obtained quotes for project materials and communicated with suppliers to determine best pricing.
- Worked closely with engineers, land surveyors and other key stakeholders on different infrastructure projects.
- Attended seminars and trainings offered by company to build knowledge and improve skills.
- Read blueprints and schematics to interpret building plans.
- Planned field surveys to locate new sites.
- Analyzed proposed site factors and designed maps, graphs and diagrams to illustrate findings.
- Tested materials and tools for projects requiring special considerations.
Internet Manager
University Of Applied Sciences - Shiraz
10.1998 - 10.2000
- Generated reports covering details about data, system operation, and error monitoring.
- Changed and replaced backup tapes regularly and performed detailed server backups.
- Complied with data entry quotients to support time-sensitive project input milestones.
- Verified integrity and consistency of duplication measures and storage protocols.
- Complied with data transmission laws and regulatory guidelines when sending and storing sensitive data.
- Reacted calmly during times of highly stressed or emergency situations.
- Troubleshot system performance bottlenecks and proposed solutions to discovered weaknesses.
- Recommended system improvements, accounting for budgetary concerns and performance requirements.
Education
Master of Science - Management Information Systems
University of Hagen
Hagen, Germany 05.2001 -
Bachelor of Arts - Business Administration
THM Business School
Giessen, Germany 05.2001 -
Associate of Science - Civil Engineering
University of Applied Sciences - Shiraz, Iran
Shiraz, Iran 05.2001 -
Skills
Financial Analysis Aptitude
Customer Service-Focused
Deep Knowledge of Bankruptcy Processes
Financial Transactions Expertise
Loan Origination
Loan Servicing
Business Development
Sales Expertise
Regulatory Compliance
Mortgage Lending
Consumer Lending
Risk Management Assessments
Bilingual in English, German, Persian
Additional Information
Awards:
- Financial Advisor of the Year Award, Wuestenrot Bank, 2014 and 2015
- Financial Advisor of the Year Award, Postbank Finanzberatung AG, 2017, 2018, 2019, 2020, 2021, 2022
Certification
Licence: Mortgage, Investment and Insurance Broker, Wuestenrot Bausparkasse AG
Timeline
Loan Officer, Head of Market Area
Postbank Finanzberatung AG
07.2016 - Current
Training: Mortgage, Investment and Insurance Broker, Postbank Finanzberatung AG
07-2016
Licence: Mortgage, Investment and Insurance Broker, Wuestenrot Bausparkasse AG
03-2014
Mortgage Broker
Wuestenrot Bausparkasse AG
05.2013 - 06.2016
Insurance Specialist
Allianz Insurance
10.2012 - 04.2013
Investment Advisor Assistant
Quant Capital AG
12.2008 - 06.2009
Telecommunications Specialist
Self-employed
07.2003 - 11.2008
Master of Science - Management Information Systems
University of Hagen
05.2001 -
Bachelor of Arts - Business Administration
THM Business School
05.2001 -
Associate of Science - Civil Engineering
University of Applied Sciences - Shiraz, Iran
05.2001 -
Civil Engineer Technician
Petroleum Refinery Bandar Abbas
01.2001 - 01.2002
Internet Manager
University Of Applied Sciences - Shiraz
10.1998 - 10.2000