Sherri Owen______________________
Westminster,CO
Summary
Experienced individual with over 9 years of experience as a manager of mortgage operations and sales. Excellent reputation for resolving problems and improving customer satisfaction. Over 19+ years of experience in the mortgage industry providing exceptional customer service, knowledge and leadership. Quality-oriented professional with the ability to lead with integrity, accountability and reliability.
Overview
19
19
years of professional experience
Work History
Senior Loan Officer
AMERICAN PACIFIC MORTGAGE
Broomfield, CO
07.2022 - Current
- Experienced senior mortgage consultant with demonstrated history of working in the financial services industry
- Top producer
- Strong finance professional with years of experience providing service beyond expectations while guiding home buyers through the process of purchasing or refinancing their home.
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Skilled in credit analysis, sales, Conventional, FHA, VA, NON-QM loans, home equity and mortgage underwriting
Branch Operations Manager/Loan Originator
CARDINAL FINANCIAL COMPANY
Broomfield, CO
08.2021 - 06.2022
- Trained employees on proper procedures and strategies to improve productivity.
- Complied with Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
- Evaluated applications against outline specifications to approve, reject or recommend adjustments files.
- Recommended loan approvals and denials based on customer loan application reviews.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring and termination processes and coaching employees on company protocol and payroll operations.
- Assessed employee performance and developed improvement plans.
Area Operations Manager / Loan Originator
NATIONS LENDING CORPORATION
Westminster, CO
05.2019 - 07.2021
- Managed Operations support staff of 6
- Provided sales support to 30+ Loan originators between 8 offices
- Point of contact for initial escalation of loan issues
- Provided Agency and Non-agency guidelines and information to loan processors and loan originators, included but not limited to Fannie Mae, Freddie Mac, FHA, and VA
- Provided on-hands support to processing when a processor was on PTO
- Engaged with underwriters, UW Managers, Regional Operations manager, Credit Risk VP, Funding, and post funding departments to ensure a saleable loan
- Reported to Area manager for monthly pipeline reviews and loan committee reviews
- Trained new employees on proper protocols and customer service standards.
- Assisted in recruiting, hiring and training of team members.
- Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.
- Intricately involved in growing Branch production from $5MIL to $17MIL month and being in the Top #5 for Branch Volume in the company.
Operations Manager / Loan Originator
ENVOY MORTGAGE LTD
Westminster, CO
06.2013 - 04.2019
- Managed Operations support staff of 6
- Provided sales support to 30+ Loan originators between 8 branches
- Point of contact for initial escalation of loan issues
- Provided Agency and Non-agency guidelines and information to loan processors and loan originators, included but not limited to Fannie Mae, Freddie Mac, FHA, and VA
- Provided on-hands support to processing when a processor was on PTO
- Engaged with underwriters, UW Managers, Regional Operations manager, Credit Risk VP, Funding, and post funding departments to ensure a saleable loan
- Reported to Area manager for monthly pipeline reviews and loan committee reviews
- Trained new employees on proper protocols and customer service standards.
- Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.
- Managed, trained and motivated loan processors and loan officer assistants to continuously improve knowledge and abilities in the mortgage field.
- Intricately involved in growing branch production from $3MIL a month to $20MIL. Our branch was the in the top 3 of the entire company.
Sr. Loan Processor / Loan Originator
ENVOY MORTGAGE LTD.
Westminster, CO
11.2011 - 06.2013
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Set up and completed loan submission packages.
- Handled any conditions sent from underwriting departments.
- Coordinated closing process with attorneys, title companies and government clerks.
Sr. Processor / Loan Originator
MEGASTAR FINANCIAL
Westminster, CO
05.2009 - 06.2011
- Ensured the timely and accurate packaging of all loans originated by our loan officers to underwriting
- Responsibilities included but not limited to: Gathering information and controlling the file from pre-approval to closing
- Input proper loan information into the system for disclosing and processing
- Responsible for ensuring that all loan documentation is complete, accurate, verified and complied with Agency and company policy
- Verified loan documents including income, credit, appraisal and title insurance ultimately preparing application for submittal to underwriting
- Reviewed file’s condition documentation and made sure all items needed were requested and sufficient
- Ordered and coordinated loan closing documents
- Met crucial deadlines requested
- Performed any additional duties/activities assigned by management
- Licensed
New Loan Officer Trainer
ASCENT HOME LOANS
Lone Tree, CO
01.2009 - 05.2009
- Worked with Business Development Managers and Licensing Manager in hiring new Loan Officers
- Trained new LO’s in LOS system, i.e Calyx Point and Encompass
- Setup and acquired passwords for new LO’s with FHA Connection and VA Portal
- Worked with Loan Originators on loan structuring applications for approval
Loan Originator/Sr. Processor
PLACER FINANCIAL / ASCENT HOME LOANS
Denver, CO
02.2003 - 12.2008
- Took in-bound lead calls and converted them to viable loan applications
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
- Structured loan with options to present to borrower
- Packaged loan file for underwriting
- Handled any conditions sent from underwriting departments.
- Coordinated closing process with attorneys, title companies and government clerks.
- Initiated FHA/VA for the company
Education
High School Diploma -
Arvada High School
Arvada, COSkills
- Management
- Loan Origination
- Loan Operations
- Proficient knowledge with all agency and non-agency loan products
- Notary
Timeline
Senior Loan Officer
AMERICAN PACIFIC MORTGAGE
07.2022 - Current
Branch Operations Manager/Loan Originator
CARDINAL FINANCIAL COMPANY
08.2021 - 06.2022
Area Operations Manager / Loan Originator
NATIONS LENDING CORPORATION
05.2019 - 07.2021
Operations Manager / Loan Originator
ENVOY MORTGAGE LTD
06.2013 - 04.2019
Sr. Loan Processor / Loan Originator
ENVOY MORTGAGE LTD.
11.2011 - 06.2013
Sr. Processor / Loan Originator
MEGASTAR FINANCIAL
05.2009 - 06.2011
New Loan Officer Trainer
ASCENT HOME LOANS
01.2009 - 05.2009
Loan Originator/Sr. Processor
PLACER FINANCIAL / ASCENT HOME LOANS
02.2003 - 12.2008
High School Diploma -
Arvada High School