Scott Howarth
Oxford,MI
Summary
Dynamic Mortgage Loan Officer with a proven track record at Kaye Financial, excelling in relationship selling and loan origination. Expert in evaluating client financials to craft tailored mortgage solutions, enhancing customer satisfaction. Recognized for mentoring peers and implementing process improvements that boosted efficiency in loan processing workflows.
Overview
12
12
years of professional experience
Work History
Mortgage Loan Officer
Kaye Financial
06.2017 - 12.2023
- Evaluated client financial information to determine eligibility for mortgage products.
- Guided clients through loan application process, ensuring clarity and compliance with regulations.
- Developed customized loan solutions based on individual client needs and market conditions.
- Collaborated with real estate agents to streamline transaction processes and enhance client satisfaction.
Mortgage Loan Officer
Mortgage 1
05.2014 - 06.2017
- Conducted detailed market analysis to inform lending strategies and optimize product offerings.
- Mentored junior loan officers, providing training on industry best practices and customer service techniques.
- Implemented process improvements that increased efficiency in loan processing workflows.
- Led initiatives to enhance customer engagement through targeted communication strategies and follow-ups.
Mortgage Banker
Ross Mortgage Corporation
05.2012 - 04.2014
- Evaluated borrower creditworthiness to determine loan eligibility and risk assessment.
- Facilitated communication between clients and underwriting teams, ensuring seamless loan processing.
- Developed customized mortgage solutions aligning with client financial goals and needs.
- Mentored junior mortgage bankers, enhancing team knowledge and performance standards.
Loan Officer
PNC Mortgage
10.2011 - 04.2012
- Evaluated borrower applications to determine creditworthiness and loan eligibility.
- Facilitated communication between clients and underwriters to expedite loan processing.
- Analyzed financial documents to provide accurate assessments of client needs.
- Developed tailored loan solutions that aligned with individual client financial goals.
Education
High School Diploma -
Sterling Heights High School
Sterling Hights MI05-1993
Skills
- Goal oriented
- Relationship selling
- Loan origination
- Residential mortgage lending regulations
Timeline
Mortgage Loan Officer
Kaye Financial
06.2017 - 12.2023
Mortgage Loan Officer
Mortgage 1
05.2014 - 06.2017
Mortgage Banker
Ross Mortgage Corporation
05.2012 - 04.2014
Loan Officer
PNC Mortgage
10.2011 - 04.2012
High School Diploma -
Sterling Heights High School