Summary
Overview
Work History
Education
Skills
Timeline
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Ray Morgan

Canyon Lake,TX

Summary

Adaptable professional with a quick-learning ability and a talent for adjusting to new environments. Skilled in rapidly acquiring new knowledge and applying it effectively. Driven by a passion for continuous learning and successfully navigating change.

Overview

14
14
years of professional experience

Work History

Metal Fabricator

Self-Dos Ositos Metalworks
Canyon Lake, TX
10.2019 - Current
  • Made steel form parts using various cutting equipment and welded part together per specifications.
  • Prepared material surfaces for welding by removing scale, rust or other foreign matter.
  • Used jigs, fixtures, and tools for assembly of parts and components.
  • Operated a variety of machinery and tools safely and efficiently.
  • Approached customers and engaged in conversation through use of effective interpersonal and people skills.
  • Managed inventory and supplies to ensure materials were available when needed.
  • Conducted routine maintenance and repairs on mechanical systems and industrial equipment.
  • Negotiated contracts with clients post-award of bids in order to maximize profitability for the organization.
  • Improved profit margins by effectively managing expenses, budget and overhead, increasing closings and optimizing product turns.

Mortgage Loan Officer

First Alliance Mortgage
New Braunfels, TX
03.2019 - 09.2019
  • Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
  • Analyzed new markets and developed referral networks to locate new loan prospects.
  • Stayed abreast of lending regulations, industry trends and market rates.
  • Conducted comprehensive financial analyses to assess borrower's ability to repay.
  • Negotiated terms and conditions of loan agreements with borrowers.
  • Coordinated with underwriters for loan approval and final decision-making.
  • Kept detailed records regarding approved, denied and received loan applications.
  • Maintained up-to-date knowledge of various loan products and compliance regulations.
  • Educated customers on various aspects of mortgage financing options available.
  • Informed customers of loan application requirements and deadlines.
  • Identified valuable solutions for customers with credit problems.
  • Verified client financial information to determine creditworthiness and loan eligibility.
  • Participated in team meetings, trainings conducted by management staff regarding updates on products, services offered by the company.
  • Monitored customer accounts throughout the life cycle of each loan transaction.
  • Guided applicants through the loan process, from application to closing.
  • Provided guidance on various types of mortgages such as FHA loans, VA loans, conventional loans.
  • Collected and verified financial information from applicants.

Mortgage Loan Officer

InterLinc Mortgage Services LLC
Garden Ridge, TX
03.2018 - 03.2019
  • Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
  • Provided excellent service and attention to customers when face-to-face or through phone conversations.
  • Maintained updated knowledge through continuing education and advanced training.
  • Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
  • Developed relationships with real estate agents, builders and other referral sources in order to generate business leads.
  • Monitored loan progress, ensuring timely processing and closing.
  • Attended industry events and seminars in order to stay abreast of changes in the mortgage banking industry.
  • Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
  • Facilitated workshops and seminars on mortgage products and financial literacy.
  • Conducted interviews with prospective clients to gather information regarding loan applications.
  • Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.

Owner Operator

The PlayDate Company
Richardson, TX
10.2017 - 03.2018
  • Negotiated contracts with vendors for supplies and services.
  • Completed thorough opening, closing, and shift change functions to maintain operational standards each day.
  • Initiated cost-cutting measures when necessary without sacrificing quality of products or services.
  • Determined pricing for products or services based on costs and competition.
  • Reviewed financial statements on a monthly basis in order to assess financial health of the organization.
  • Managed inventory levels to meet customer demand while minimizing costs.
  • Inspected facilities regularly to ensure cleanliness is maintained throughout the cafe.
  • Promoted safe working conditions by monitoring safety procedures and equipment.
  • Explained goals and expectations required of trainees.

Safety Officer-Risk Manager

Texas Health Physicians Group
Dallas, TX
01.2015 - 02.2018
  • Conducted safety inspections of work areas to identify and eliminate potential hazards.
  • Assisted in developing emergency action plans in case of an unexpected event.
  • Recommended methods to reduce ongoing hazards with improved methods, processes and materials.
  • Provided guidance on hazardous materials handling, storage, disposal, personal protective equipment.
  • Investigated accidents, injuries, or illnesses to determine causes and preventive measures.
  • Created training materials for employees regarding safe working habits.
  • Performed regular audits to evaluate compliance with OSHA standards.
  • Wrote technical reports, data entry and queries into various safety and health databases.
  • Inspected specified areas to verify presence of fire prevention equipment, safety equipment and first-aid supplies.
  • Educated staff on fire prevention and protection strategies and emergency evacuation plans.
  • Responded quickly to any reported health and safety concerns in the workplace.
  • Analyzed data from incident investigations to identify trends or recurring issues.
  • Reviewed existing safety protocols for accuracy and effectiveness.
  • Advised managers on developing effective methods for preventing workplace injuries.
  • Analyzed incident data to identify trends in injuries, illnesses and accidents.

Inventory Manager

Care Cycle Solutions
Dallas, TX
02.2011 - 12.2014
  • Conducted regular inventory audits to verify stock levels and identify discrepancies.
  • Assisted in developing strategies for maintaining appropriate safety stock levels based on historical usage data.
  • Negotiated contracts with vendors while ensuring cost-effectiveness and adherence to company policies.
  • Coordinated the disposal of obsolete or excess inventory in a cost-effective manner.
  • Created reports on inventory levels, trends, costs, deliveries. for upper management review.
  • Coordinated and monitored inbound and outgoing deliveries, keeping abreast of delays and other issues.
  • Handled departmental scheduling to maintain proper staffing for shifts.
  • Supervised activities of workers engaged in receiving, storing and shipping products or materials.
  • Adhered to all safety regulations when handling hazardous materials in compliance with OSHA guidelines.
  • Monitored and reported on key inventory performance indicators to senior management regularly.
  • Resolved issues related to receiving errors such as incorrect quantities or missing items.

Education

Bachelor of Science - Business Administration Mgt Healthcare

Excelsior College
Albany, NY
12-2009

Skills

  • Organizational skills
  • Effective communication
  • Financial analysis
  • Problem solving
  • Multitasking ability
  • Goal setting
  • Performance evaluation and monitoring
  • Process improvements
  • Financial oversight
  • Payroll administration and timekeeping
  • Inventory management
  • Supplier relations
  • Business management
  • Sales promotion

Timeline

Metal Fabricator

Self-Dos Ositos Metalworks
10.2019 - Current

Mortgage Loan Officer

First Alliance Mortgage
03.2019 - 09.2019

Mortgage Loan Officer

InterLinc Mortgage Services LLC
03.2018 - 03.2019

Owner Operator

The PlayDate Company
10.2017 - 03.2018

Safety Officer-Risk Manager

Texas Health Physicians Group
01.2015 - 02.2018

Inventory Manager

Care Cycle Solutions
02.2011 - 12.2014

Bachelor of Science - Business Administration Mgt Healthcare

Excelsior College

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Ray Morgan