Ryan Woodward
Culver City ,CA
There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins
Summary
Results-oriented Mortgage Banker knowledgeable about wide range of loan products and analytics. Professionally works with different customers and circles of influence to meet individual needs and maximize bank revenue. Analytical problem-solver tenacious in pursuing sales opportunities, detail-oriented with 21 years of experience. Adept at planning and working with clients for long periods of time. Committed to accuracy and financial success. Has worked in new construction finance, worked with project planning, have done multiple personal real estate transactions, worked with national builder accounts, help set up joint ventures, present at meetings weekly, teach financial literacy classes, and have lead teams of real estate professionals.
Overview
22
22
years of professional experience
Work History
Sr. Mortgage Banker
Bank of the West
Santa Monica , CA
01.2023 - Current
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
- Gathered client debt, credit and income information to determine loan eligibility.
- Met with applicants to obtain information for loan applications and answer questions about loan process.
- Informed customers of application deadlines, approvals and denials.
- Kept detailed records regarding approved, denied and received loan applications.
- Educated customers regarding actions and strategies for debt repayment.
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information.
- Identified lending risks and implemented strategies to reduce loan defaults.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Developed and recommended personal or commercial loan packages for clients.
VP of Mortgage Lending
Guaranteed Rate Affinity
Santa Monica, California
10.2020 - 01.2023
- Developed and maintained relationships with local real estate agents.
- Located and suggested loan packages that met client needs and priorities.
- Stayed abreast of lending regulations, industry trends and market rates.
Sr Lending Officer
Bank of America
Santa Monica , CA
11.2016 - 10.2020
- Gathered client debt, credit and income information to determine loan eligibility.
- Helped clients fill out loan applications and find ideal loan options.
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
- Educated customers regarding actions and strategies for debt repayment.
- Collaborated with company teams to expedite loan approval processes.
- Recommended product changes to enhance customer interest and maximize sales.
- Strategically devised customer approaches, meeting sales objectives and capitalizing on emerging opportunities.
Private Mortgage Banker
Wells Fargo Private Mortgage Bank
Beverly Hills , CA
12.2014 - 11.2016
- Approved and qualified applications for financing, closed sales contracts and cross-sold insurance products while complying with state laws.
- Promoted finance products to customers and sales force to increase penetration.
- Facilitated growth and increased brand awareness by working with sales team to build and maintain key business relationships.
- Increased revenue by designing and enacting marketing strategies within budget parameters, as well as studying key consumer and market data.
- Coordinated marketing campaigns, monitoring accuracy, execution and follow-up.
Vice President of Mortgage Lending
Bank of America
Santa Monica , CA
09.2006 - 11.2016
- Gathered client debt, credit and income information to determine loan eligibility.
- Met with applicants to obtain information for loan applications and answer questions about loan process.
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
- Informed customers of application deadlines, approvals and denials.
Loan Officer
Wells Fargo
Brentwood , CA
02.2001 - 09.2006
- Submitted loan applications to underwriter for verification and recommendations.
- Approved loan within specified limits or referred to appropriate approval level.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
Education
Some College (No Degree) - Music
- Full Tuition Scholarship for Music Performance. I was a full time student and working touring musician.
Some College (No Degree) - Music Education
Skills
- Sales Development
- Relationship Selling
- Negotiation Tactics
- Key Account Generation
- Market Research and Analysis
- Sales Forecasting
- Creditworthiness Determination
- Loan Feasibility Assessment
- Corporate Financial Statements
- Financial History Analysis
- Problem Solving
- Income Evaluation
- Financial Analysis
- Marketing Expertise
- Certified Mortgage Loan Originator
- Risk Aversion Recommendations
- Critical Thinking and Analysis
- Financial Statements
- Asset Utilization
- Financial Projections
- Operations management
- Key Performance Indicators
Music and Constrcution remodeling
- Have toured professionally, performed and played music since the age of 9 and music has allowed me to travel extensively.
- I have remodeled several homes, bought and sold real estate over the years, and am adept in managing crews of people and budgets.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
swipe to browse
Timeline
Sr. Mortgage Banker - Bank of the West
01.2023 - Current
VP of Mortgage Lending - Guaranteed Rate Affinity
10.2020 - 01.2023
Sr Lending Officer - Bank of America
11.2016 - 10.2020
Private Mortgage Banker - Wells Fargo Private Mortgage Bank
12.2014 - 11.2016
Vice President of Mortgage Lending - Bank of America
09.2006 - 11.2016
Loan Officer - Wells Fargo
02.2001 - 09.2006
Berklee College of Music - Some College (No Degree), Music
California State Northridge - Some College (No Degree), Music Education
Similar Profiles
Yoseph AlemuYoseph Alemu
SQL/ETL Developer at Bank of the WestSQL/ETL Developer at Bank of the West
Amy GavaldonAmy Gavaldon
Customer Service Representative at Bank of the WestCustomer Service Representative at Bank of the West
Joy DenisonJoy Denison
CSR, ACSM, CSM, ACTING BM at Bank of the WestCSR, ACSM, CSM, ACTING BM at Bank of the West
Christophe BassonoChristophe Bassono
Cybersecurity Engineer II at Bank Of The WestCybersecurity Engineer II at Bank Of The West
Hunter ScottHunter Scott
Volunteer at Baja Christian MinistriesVolunteer at Baja Christian Ministries