Robyn Potter
Bakersfield
Summary
I have been in the Real Estate financing industry since 1975. Most of my career was in Operations. Having worked for large national Mortgage Operations as well as Local Lenders. Majority of career was Underwriting (Agency and Portfolio) and Branch Management, Leadership. I have a lot of experience in Complex Transactions and Income Analysis. I have my DE and SAR (FHA and VA) designations as well.
Overview
43
43
years of professional experience
3
3
Certification
Work History
Mortgage Loan Officer
Point Mortgage
08.2024 - Current
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- 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.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Managed risk effectively by adhering closely to compliance guidelines during all stages of the loan origination process.
- Developed and implemented marketing campaigns to generate new business opportunities.
- Customized marketing materials aimed at attracting potential mortgage applicants within specific target markets.
- Maintained a comprehensive knowledge of current industry trends and regulatory changes to provide expert guidance for clients.
- Explained different types of loans pertaining to client situations.
Mortgage Loan Officer
Prime Lending Group
09.2023 - 08.2024
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
- Managed risk effectively by adhering closely to compliance guidelines during all stages of the loan origination process.
- Customized marketing materials aimed at attracting potential mortgage applicants within specific target markets.
- Maintained a comprehensive knowledge of current industry trends and regulatory changes to provide expert guidance for clients.
Mortgage Loan Officer
US Bank Home Mortgage
02.2023 - 08.2023
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Business Development and relationship building for US Bank after acquisition of Union Bank for all of Kern County
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- 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.
- Participated in industry events and conferences to build relationships and gain market intelligence.
Director, Home Loan Center
Valley Strong Credit Union
04.2011 - 01.2023
- First Major Task from Senior Management was to evaluate and restructure Equity Loan Department.
- Implemented processes and trained staff
- Was Primary Underwriter for HELOC's and HELoans for many years.
- Extensive background in Equity Loan Processing through post closing and servicing.
- Developed high-performing teams by providing mentorship, guidance, and opportunities for professional growth.
- Lead Staff of 30 to be leader in Real Estate financing in Local Market.
- Developed and Implemented Portfolio Programs
- Chief Real Estate Underwriter for Credit Union.
- Developed and implemented Custom Construction program
- Collaborated with Servicing Department and others to ensure qualify control guidelines were up to date and being monitored correctly.
- Responsible for Maintenance of HMDA LAR , Auditing and accuracy.
- Sole analyst for Portfolio Underwriting. Non QM Loans, Construction Loans.
- Enhanced team collaboration through regular communication, goal setting, and performance evaluations.
- Established a culture of continuous improvement by fostering open communication channels and empowering employees to voice their ideas.
- Cultivated a positive work environment that fostered employee engagement, increased retention rates, and boosted overall team morale.
- Managed budgets effectively to ensure optimal use of resources while maintaining financial stability.
- Strengthened internal controls by reviewing existing policies and procedures, ensuring compliance with regulatory requirements.
- Facilitated cross-functional collaboration for improved decision-making processes within the organization.
- Improved project efficiency with strategic planning, resource allocation, and time management practices.
Education
High School Diploma -
Anaheim High School
Anaheim, CA06.1975
Skills
- Portfolio Management
- Analyzing data
- Risk evaluations
- Credit analysis
- Risk Management
- Underwriting guidelines
- Guidelines understanding
- Quality Assurance
- Data Interpretation
- Data Collection
- Loss Protection
- Policy renewal
- Loss Prevention
- Portfolio Management
Certification
NMLS License. Federal and State of California (DFPI)
Timeline
Mortgage Loan Officer
Point Mortgage
08.2024 - Current
Mortgage Loan Officer
Prime Lending Group
09.2023 - 08.2024
Mortgage Loan Officer
US Bank Home Mortgage
02.2023 - 08.2023
Director, Home Loan Center
Valley Strong Credit Union
04.2011 - 01.2023
High School Diploma -
Anaheim High School
NMLS License. Federal and State of California (DFPI)
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