Stephen Rickman II
Las Vegas,NV
Summary
Organized Mortgage Loan Officer with 20 years of experience. Extensive real estate knowledge and success in client education and retention. Adept at mathematical accuracy and following financial regulations. I have averaged over $25 Million annually in Loan production.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Sr. Mortgage Banker
All American Home Mortgage, LLC
01.2021 - Current
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Worked with underwriters to fix application problems and resolve issues.
- Developed and maintained relationships with customers, lenders and other third parties.
- Processed loan applications and monitored progress from start to finish.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Explained different types of loans pertaining to client situations.
Sr. Mortgage Banker
Mortgage Solutions, LLC
07.2005 - 01.2021
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Worked with underwriters to fix application problems and resolve issues.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Explained different types of loans pertaining to client situations.
- Developed and maintained relationships with customers, lenders and other third parties.
- Processed loan applications and monitored progress from start to finish.
Assistant Manager
Wells Fargo Financial Services Company
05.2003 - 06.2005
- Supervised day-to-day operations to meet performance, quality and service expectations.
- Offered hands-on assistance to customers, assessing needs, and maintaining current knowledge of consumer preferences.
- Made hiring recommendations to increase company's productivity and profitability with quality workers.
- Evaluated employee performance and conveyed constructive feedback to improve skills.
- Trained personnel in branch operations, product knowledege, and enforced participation in exercises focused on developing key skills.
Insurance Sales Representative
COUNTRY Financial
08.2002 - 05.2003
- Reviewed customer needs and financial means to determine appropriate policy offerings.
- Sold auto, home, life, and other various insurance products to individuals and affinity groups within assigned territory using consultative selling techniques.
- Maintained detailed records of customer information and policy sales.
- Generated sales by recommending policies and add-ons.
Education
Bachelor of Science - Finance
Morehouse College
Atlanta, GA05.2002
Skills
- NMLS Licensed #363844
- Credits Understanding
- Loan Application Management
- Analytical and Critical Thinking
- Real Estate Lending Processes
- Economics Understanding
- Portfolio Retention
- Mortgages and Loans
- Mortgage Loan Origination
- Regulatory Compliance
- Desktop Underwriting Expertise
Certification
- NMLS License - 15 Years
Timeline
Sr. Mortgage Banker
All American Home Mortgage, LLC
01.2021 - Current
Sr. Mortgage Banker
Mortgage Solutions, LLC
07.2005 - 01.2021
Assistant Manager
Wells Fargo Financial Services Company
05.2003 - 06.2005
Insurance Sales Representative
COUNTRY Financial
08.2002 - 05.2003
Bachelor of Science - Finance
Morehouse College
- NMLS License - 15 Years
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