Ryan Clarke
Hollywood,FL
Summary
Customer-focused Loan Officer with experience in supporting consumer mortgage loans, including conventional, FHA and VA. Key resource to management with knowledge of mortgage laws and regulations. Dedicated to balancing traditional methods with innovative advances for maximum customer and agency benefit.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Production Coordinator
K Hovnanian American Mortgage
Boynton Beach, Florida
07.2023 - Current
- Monitored loan applications for completeness and accuracy prior to submission to underwriting department.
- Assisted loan officers with the preparation of loan documents and closing packages.
- Analyzed financial data to determine the feasibility of granting loans.
- Negotiated terms and conditions of loan contracts.
Loan Officer
Preferred Mortgage Bankers, LLC
Miami, FL
02.2023 - 07.2023
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Adhered to federal and state compliance guidelines relative to retail mortgage lending.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
Loan Officer Associate
Lennar Mortgage
Miami, FL
05.2021 - 01.2023
- Analyzed loan files and reviewed client income, assets and credit to verify compliance to specific underwriting criteria and input new loans into designated software.
- Ordered, prepared and verified documents necessary for loan to close in compliance, on time and without last-minute surprises.
- Performed administrative tasks such as creating status reports on loans in progress, photocopying loan documents, printing daily mortgage rate sheets and answering phones.
- Maintained up-to-date knowledge and compliance with internal policies and procedures and verified adherence to state and federal laws, rules and regulations affecting loan institutions.
- Generated estimates clients requested, sent pre-approval letters to agents and confirmed receipt of verification of employment documentation.
Insurance Sales Agent
State Farm
Miami, FL
11.2020 - 05.2021
- Exceeded assigned sales and retention targets every month by employing telephone marketing and lead persistence.
- Upsold products to policyholders and potential new clients.
- Interviewed prospective clients to gather information on financial needs and discuss any existing coverage.
- Drove client retention by increasing savings opportunities and identifying premium discounts.
- Researched and analyzed beneficial insurance and investment options and made recommendations to clients.
Education
Associate of Arts - Business Administration
Miami Dade College
Miami, FL08.2020
High School Diploma -
Saint Thomas Aquinas High School
Fort Lauderdale, FL08.2013
Skills
- Certified Mortgage Loan Originator
- Proficient with Encompass software
- Well versed in conventional loan product guidelines
- Credit check knowledge
- Desktop Underwriter experience
- Knowledge of FHA loan process
- Customer service-focused
- Cross-selling and upselling
Certification
- Mortgage Loan Originator License - 2021
- NMLS ID: 2177617
Timeline
Production Coordinator
K Hovnanian American Mortgage
07.2023 - Current
Loan Officer
Preferred Mortgage Bankers, LLC
02.2023 - 07.2023
Loan Officer Associate
Lennar Mortgage
05.2021 - 01.2023
Insurance Sales Agent
State Farm
11.2020 - 05.2021
Associate of Arts - Business Administration
Miami Dade College
High School Diploma -
Saint Thomas Aquinas High School
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