Robin D. Cohen
New Windsor
Summary
Experienced mortgage loan officer, loan processor and real estate salesperson with a 25-year background in the industry. Recognized for delivering exceptional customer service and fostering strong teamwork. Adept at building lasting client relationships and collaborating effectively to achieve shared goals. Committed to maintaining a stellar reputation and continuously enhancing skills to provide top-notch support in the mortgage and real estate industry.
Experienced with client relationship management, ensuring seamless home-buying experience. Utilizes market analysis and negotiation skills to secure favorable deals for clients. Track record of leveraging property knowledge to meet and exceed client expectations.
Real estate professional with strong focus on team collaboration and achieving results. Skilled in client relations, market analysis, negotiations, and sales strategies. Adaptable and reliable with track record of meeting changing needs and achieving client satisfaction. Proven ability to drive growth and deliver exceptional service in residential and commercial property transactions.
Knowledgeable with proven track record of assisting clients in finding their dream homes and closing successful deals. Skilled in negotiating contracts and providing exceptional customer service. Demonstrated expertise in market analysis and property valuation, consistently ensuring client satisfaction through effective communication and problem-solving.
Overview
24
24
years of professional experience
Work History
Realtor Sales Associate
Weichert NY Keller Williams Realty Chester NY
05.2010 - Current
- Successfully guided homebuyers and sellers through the sale and purchase of properties.
- Generated lists of properties that were compatible with buyers needs and financial resources.
- Coordinated appointments to show homes to prospective buyers.
- Established positive flow of communication with other agents, buyers and sellers, mortgage loan officers, title personneland attorneys involved in the home buying and selling process.
- Met with prospective sellers to determine the worth of their home.
- Presented purchase offers to sellers for consideration.
- Negotiated contracts on behalf of clients.
- Coordinated property closings, overseeing signing of documents and disbursement of funds.
- Provided strategic assistance to homeowners and homebuyers looking to buy or sell residential properties int he New York metro area.
- Collaborated with attorneys, loan officers and agencies to complete property sales and purchases and thoroughly explained all financial requirements and data to potential buyers and sellers.
- Ensured that all clients looking to sell or buy were aware of current market conditions, legal requirements, pricing and mortgages.
Loan Processing Manager
Mioym Commercial Capital
02.2022 - 08.2023
- Ensured smooth transitions during the loan processing lifecycle by maintaining open communication with all relevant stakeholders, including borrowers, underwriters, and closing agents.
- Enhanced customer service quality by addressing client concerns promptly and providing clear explanations on complex lending terms and processes.
- Improved team productivity, coordinating training sessions on industry regulations and compliance standards for loan processors.
- Increased accuracy in data entry tasks, implementing quality control measures that reduced errors in loan applications.
- Spearheaded initiatives to automate repetitive tasks within the loan processing department, freeing up staff resources for more strategic activities.
- Managed a diverse portfolio of loans, ensuring prompt processing and approval for clients across various industries.
- Developed strong relationships with clients by providing timely communication and expert guidance throughout the loan process.
- Streamlined loan processing procedures by implementing efficient workflow strategies, resulting in faster approvals and increased customer satisfaction.
- Processed loan applications and monitored progress from start to finish.
Senior Mortgage Banker
Network Capital Funding
09.2020 - 01.2021
- Actively participated in community outreach events to promote homeownership education programs and establish company presence in local markets.
- Monitored industry trends to stay informed on market changes affecting mortgage products and consumer needs.
- Managed pipeline efficiently to meet strict deadlines for loan applications, underwriting, and funding.
- Maintained compliance with federal regulations and company policies throughout all stages of the mortgage process.
- Collaborated with underwriters to expedite loan approvals while adhering to stringent lending guidelines.
- Optimized workflow processes within the team to reduce turnaround times for loan approvals and closings.
- Assisted in developing marketing initiatives that increased brand visibility and generated leads for new business prospects.
- Implemented risk management strategies resulting in lower default rates and higher overall portfolio performance.
- Streamlined communication between processing teams and external partners such as appraisers or title companies which resulted in efficient transaction coordination.
- Educated first-time homebuyers on loan options available to them, guiding them through the entire application process seamlessly.
- Mentored junior mortgage bankers, enhancing their knowledge of industry practices and improving team productivity.
- Consistently met or exceeded established sales goals by developing a strong referral network with real estate professionals and past clients.
- Provided exceptional customer service by addressing client inquiries promptly and accurately.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
Mortgage Loan Officer
Cardinal Financial
05.2018 - 10.2018
- Reviewed loan files and updated to match current standards.
- Worked with underwriters to fix application problems and resolve issues.
- Fielded customer complaints and provided solutions.
- Explained different types of loans pertaining to client situations.
- Developed and maintained relationships with local real estate agents.
- Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
- Originated, reviewed, processed, closed and administered customer loan proposals.
Mortgage Loan Officer /Mortgage Loan Processor
Residential Home Funding Corp.
03.2017 - 04.2018
- Responsible for processing conventional and FHA as well as Fannie Mae and Freddie Mac based on product, underwriting and investor guidelines ensuring adherence to compliance procedures.
- Maintained effective communication with borrowers, loan officers, appraisers, attorneys and credit agencies making sure all necessary information was collected to complete the mortgage file.
- Answering borrower and loan officer questions and concerns.
- Monitor, update and analyze credit reports, appraisals, VOE's, VOD's and paystubs.
- Using DU and LP to underwrite the mortgage files as well as Calyx and Encompass.
- Filed completed loan applications with underwriting and made approval or denial recommendations.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
Temp Mortgage Processor
Hudson United Mortgage
03.2016 - 07.2016
- Responsible for processing conventional and FHA as well as Fannie Mae and Freddie Mac based on product, underwriting and investor guidelines ensuring adherence to compliance procedures.
- Maintained effective communication with borrowers, loan officers, appraisers, attorneys and credit agencies making sure all necessary information was collected to complete the mortgage file.
- Answering borrower and loan officer questions and concerns.
- Monitor, update and analyze credit reports, appraisals, VOE's, VOD's and paystubs.
- Using DU and LP to underwrite the mortgage files as well as Calyx and Encompass Also responsible for origination of loans that are not being processed by me., Responsible for processing conventional and FHA as well as Fannie Mae and Freddie Mac based on product, underwriting and investor guidelines ensuring adherence to compliance procedures.
- Maintained effective communication with borrowers, loan officers, appraisers, attorneys and credit agencies making sure all necessary information was collected to complete the mortgage file.
- Answering borrower and loan officer questions and concerns.
- Monitor, update and analyze credit reports, appraisals, VOE's, VOD's and paystubs.
- Using DU and LP to underwrite the mortgage files as well as Calyx and Encompass.
Temp Mortgage Processor
Response Company
05.2013 - 07.2013
- Responsible for processing conventional and FHA as well as Fannie Mae and Freddie Mac based on product, underwriting and investor guidelines ensuring adherence to compliance procedures.
- Maintained effective communication with borrowers, loan officers, appraisers, attorneys and credit agencies making sure all necessary information was collected to complete the mortgage file.
- Answering borrower and loan officer questions and concerns.
- Monitor, update and analyze credit reports, appraisals, VOE's, VOD's and paystubs.
- Using DU and LP to underwrite the mortgage files as well as Calyx and Encompass.
Mortgage Processor
ABC 123 Mortgage Inc Fishkill NY
10.2013 - 05.2013
- Responsible for processing conventional and FHA as well as Fannie Mae and Freddie Mac based on product, underwriting and investor guidelines ensuring adherence to compliance procedures.
- Maintained effective communication with borrowers, loan officers, appraisers, attorneys and credit agencies making sure all necessary information was collected to complete the mortgage file.
- Answering borrower and loan officer questions and concerns.
- Monitor, update and analyze credit reports, appraisals, VOE's, VOD's and paystubs.
- Using DU and LP to underwrite the mortgage files as well as Calyx and Encompass.
Temp Mortgage Processor
Metlife Home Loans
06.2009 - 03.2010
- Reviewed title requirements, exceptions and other information obtained for accuracy, completeness,and conformance.
- Set up file, reviewed documentation in loan system and entered data into the loan system.
- Ensured file met minimum documentation/product guidelines.
- Reviewed credit, disclosures, ordered title and appraisals.
- Reviewed and collected underwriter conditions and submitted conditions for underwriting approval.
- Closed out loans on system, scanned files and delivered files to post closing.
Mortgage Processor
Altis Home Funding
01.2008 - 07.2008
- Responsible for processing conventional and FHA as well as Fannie Mae and Freddie Mac based on product, underwriting and investor guidelines ensuring adherence to compliance procedures.
- Maintained effective communication with borrowers, loan officers, appraisers, attorneys and credit agencies making sure all necessary information was collected to complete the mortgage file.
- Answering borrower and loan officer questions and concerns.
- Monitor, update and analyze credit reports, appraisals, VOE's, VOD's and paystubs.
- Using DU and LP to underwrite the mortgage files as well as Calyx and Encompass.
Mortgage Processor
Union Federal Mortgage
01.2007 - 12.2007
- Responsible for processing conventional and FHA as well as Fannie Mae and Freddie Mac based on product, underwriting and investor guidelines ensuring adherence to compliance procedures.
- Maintained effective communication with borrowers, loan officers, appraisers, attorneys and credit agencies making sure all necessary information was collected to complete the mortgage file.
- Answering borrower and loan officer questions and concerns.
- Monitor, update and analyze credit reports, appraisals, VOE's, VOD's and paystubs.
- Using DU and LP to underwrite the mortgage files as well as Calyx and Encompass.
Mortgage Processor
Provident Bancorp
08.2005 - 10.2006
- Responsible for processing conventional and FHA as well as Fannie Mae and Freddie Mac based on product, underwriting and investor guidelines ensuring adherence to compliance procedures.
- Maintained effective communication with borrowers, loan officers, appraisers, attorneys and credit agencies making sure all necessary information was collected to complete the mortgage file.
- Answering borrower and loan officer questions and concerns.
- Monitor, update and analyze credit reports, appraisals, VOE's, VOD's and paystubs.
- Using DU and LP to underwrite the mortgage files as well as Calyx and Encompass.
Temp Bank Teller/Financial Services
Manpower
01.2004 - 06.2005
- Work with customers on a daily basis, meeting their banking needs and answering their financial questions or referring their needs to the appropriate supervisory individuals.
- Accepted and processed deposits and loan payments as well as withdrawals.
- Mainntained and balanced a cash drawer daily as well as the vault and Atm.
Mortgage Processor
Countrywide
06.2002 - 09.2003
- Responsible for processing conventional and FHA as well as Fannie Mae and Freddie Mac based on product, underwriting and investor guidelines ensuring adherence to compliance procedures.
- Maintained effective communication with borrowers, loan officers, appraisers, attorneys and credit agencies making sure all necessary information was collected to complete the mortgage file.
- Answering borrower and loan officer questions and concerns.
- Monitor, update and analyze credit reports, appraisals, VOE's, VOD's and paystubs.
- Using DU and LP to underwrite the mortgage files as well as Calyx and Encompass.
Loan Officer
Weichert Financial Services
06.2001 - 06.2002
- Sold, prepared and closed first and second mortgages, home equity loans and home equity lines of credit.
- Met with potential clients for pre-approval of all products.
- Ran credit reports and analyzed income to determine which programs the customers were qualified for.
- Met with realtors in order to build pipeline and business outside the office.
Education
Bachelor of Science - Business
University of Phoenix
08-2024
High School Diploma -
Newburgh Free Academy
Newburgh, NY1988
Skills
- Banking
- Contracts
- Credit
- Clients
- Documentation
- Equity
- Financial
- Funds
- Office
- Mortgage Loan
- Selling
- Supervisory
- Underwriter
- Underwriting
- Application preparation
- Legal compliance
- Appraisals
- Financial document review
- Processing procedures
- Strong customer relations
- Practices due diligence
- Self-directed mindset
- Compliance, banking laws and regulations
- Goal-oriented
- Self-sufficient
- Savvy relationship-builder
- Forward-thinking
- Cheerful
- People-oriented
- High level of accuracy
- Verbal/written communication
- Detail-oriented
- Positive
- Customer-oriented
- Excellent time management skills
- Strong negotiation skills
- Goal-oriented mindset
- Market analysis expertise
- Property valuation
- Buyer qualification assessment
- Local area network
- Networking and referrals
- Excellent teamwork
- Works well independently
- Client-oriented
- Strong organizational skills
- Clean driving record
- Client management
- Property tours and inspections
- Active New York real estate license
- Negotiation expertise
- Highly professional
- Comparative market analysis
- House showings
- MLS expert
- Lead follow up
- Client needs assessment
Licensed Real Estate Salesperson
NY
Licensed Mortgage Loan Officer
NJ
Timeline
Loan Processing Manager
Mioym Commercial Capital
02.2022 - 08.2023
Senior Mortgage Banker
Network Capital Funding
09.2020 - 01.2021
Mortgage Loan Officer
Cardinal Financial
05.2018 - 10.2018
Mortgage Loan Officer /Mortgage Loan Processor
Residential Home Funding Corp.
03.2017 - 04.2018
Temp Mortgage Processor
Hudson United Mortgage
03.2016 - 07.2016
Mortgage Processor
ABC 123 Mortgage Inc Fishkill NY
10.2013 - 05.2013
Temp Mortgage Processor
Response Company
05.2013 - 07.2013
Realtor Sales Associate
Weichert NY Keller Williams Realty Chester NY
05.2010 - Current
Temp Mortgage Processor
Metlife Home Loans
06.2009 - 03.2010
Mortgage Processor
Altis Home Funding
01.2008 - 07.2008
Mortgage Processor
Union Federal Mortgage
01.2007 - 12.2007
Mortgage Processor
Provident Bancorp
08.2005 - 10.2006
Temp Bank Teller/Financial Services
Manpower
01.2004 - 06.2005
Mortgage Processor
Countrywide
06.2002 - 09.2003
Loan Officer
Weichert Financial Services
06.2001 - 06.2002
High School Diploma -
Newburgh Free Academy
Bachelor of Science - Business
University of Phoenix
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