Samet Kyoybashiev
Saylorsburg ,PA
Summary
Dynamic Mortgage Loan Officer with proven success at Lending Capital Mortgage, excelling in customer relationship management and mortgage financing. Skilled in conflict resolution and problem-solving, I effectively negotiated loan terms and built strong partnerships, driving business growth and ensuring compliance with regulations. Committed to delivering exceptional service and fostering client trust.
Overview
17
17
years of professional experience
Work History
Mortgage Loan Officer
Lending Capital Mortgage
Newtown, PA
12.2023 - Current
- Developed relationships with real estate agents, builders and other referral sources in order to generate business leads.
- Attended industry events and seminars in order to stay abreast of changes in the mortgage banking industry.
- Maintained current knowledge of secondary market trends, government programs and other available financing sources.
- Educated customers on various aspects of mortgage financing options available.
- Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility.
- Negotiated terms and conditions of loan agreements with borrowers.
- Assessed customer financial status and credit worthiness to determine eligibility for mortgage loans.
- Ensured compliance with all federal, state and local regulations related to mortgage lending.
- Conducted interviews with prospective clients to gather information regarding loan applications.
- Interacted with title companies, attorneys, surveyors and other third parties involved in the loan process.
- Provided guidance on various types of mortgages such as FHA loans, VA loans, conventional loans.
- Processed new loan applications in accordance with established guidelines.
- Reviewed appraisals to ensure accuracy and completeness prior to submission to underwriting department.
- Complied applications and paperwork and double-checked for accuracy.
- Developed and maintained relationships with local real estate agents.
- Collected and verified financial information from applicants.
- Gathered client debt, credit and income information to determine loan eligibility.
- Established and nurtured relationships with real estate agents and other industry professionals.
- Monitored loan progress, ensuring timely processing and closing.
- Met with applicants to obtain information for loan applications and answer questions about loan process.
- Coordinated with underwriters for loan approval and final decision-making.
- Ensured compliance with federal and state lending regulations.
- Conducted comprehensive financial analyses to assess borrower's ability to repay.
- Kept detailed records regarding approved, denied and received loan applications.
- Met with applicants to obtain information for loan applications and answer questions about processes.
Business Owner
Bono pizza 191
Pen Argyl, PA
01.2008 - 06.2024
- Negotiated contracts with vendors for supplies and services.
- Oversaw daily operations of the business and provided guidance when needed.
- 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.
- Resolved conflicts between employees or customers in a timely manner.
- Monitored cash flow to ensure proper budgeting of resources.
- Initiated cost-cutting measures when necessary without sacrificing quality of products or services.
- Scheduled maintenance activities for equipment used by the business.
- Established strong relationships with vendors to ensure quality products at competitive prices.
- Analyzed competitor's pricing and product offerings in order to remain competitive within the market.
- Conducted market research to identify new opportunities for growth.
- Identified and recruited staff members, including managers and sales personnel.
- Established marketing strategies, such as social media campaigns, to promote the business.
- Kept up-to-date on regulatory changes affecting business operations.
- Created and implemented marketing and advertising strategies to support revenue goals and promote strategic growth.
- Mentored and trained new hires on sales techniques and customer service procedures.
- Promoted business on social media platforms to maximize brand identity and generate revenue.
- Managed operations budgeting, accounts payable, and accounts receivable and payroll.
- Set pricing structures according to market analytics and emerging trends.
- Reconciled daily sales, prepared bank deposits and assessed financial transaction reports.
- Kept records for production, inventory, income, and expenses.
- Prepared weekly schedules to verify proper floor coverage within fiscal guidelines.
- Appraised inventory levels on frequent basis, ordering new merchandise to keep quantities well-stocked.
- Used strong issue resolution and communication skills to cultivate and strengthen lasting client relationships.
Education
Some College (No Degree) - Accounting
Northampton Community College
Bethlehem, PASkills
- Customer relationship management
- Mortgage financing
- Conflict resolution
- Time management
- Licensed mortgage loan originator
- Excellent communication
- Problem-solving abilities
- Cash handling
- Active listening
- PeopleSoft
- Problem-solving aptitude
Languages
Bulgarian
Professional
Turkish
Limited
English
Professional
References
References available upon request.
Timeline
Mortgage Loan Officer
Lending Capital Mortgage
12.2023 - Current
Business Owner
Bono pizza 191
01.2008 - 06.2024
Some College (No Degree) - Accounting
Northampton Community College
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