Steven Saleh
Dearborn,MI
Summary
My diverse work experience (as a teacher, principal, realtor, and business owner) has equipped me well for a role as a loan originator/banker. I am an ambitious professional with a strong background in counseling clients, pre-qualifying applicants, and guiding them through lending activities. I excel as a dedicated team player, collaborating effectively with colleagues and clients to ensure a smooth borrowing process while maintaining high standards of customer service. My strength lies in connecting with people and meeting their needs.
Overview
25
25
years of professional experience
Work History
Loan Originator
Zoom Home Lending
Livonia , MI
05.2024 - Current
- Reviewed loan applications, analyzed credit reports and calculated financial ratios to determine borrower eligibility.
- Researched market conditions, property values and other factors to assess risk of loan defaults.
- Negotiated terms of loans with customers, such as interest rate and repayment schedule.
- Explained various types of loan products available to customers based on their needs and financial situation.
- Maintained current knowledge of federal regulations regarding residential lending practices.
- Provided guidance on loan qualification criteria to potential borrowers.
- Analyzed customer's income and debt levels to determine maximum affordability for a mortgage product.
- Conducted regular follow-up calls with clients throughout the mortgage process to ensure timely completion of documents or steps needed for approval or closing.
- Organized paperwork for submission to underwriting department for review prior to finalizing loans.
- Performed quality control reviews on approved loans before submitting them for processing.
- Advised borrowers on budgeting techniques and refinancing options when necessary.
- Responded promptly to customer inquiries regarding their loan status or any additional information needed by the lender.
- Monitored progress of loans in processing stage until they are closed successfully.
- Gathered information such as borrower credit reports and other information to pre-qualify clients and offer pricing information.
- Guided clients through loan application initiation and filing.
- Monitored loan status and communicated updates with customers.
- Met with borrowers to discuss needs and promoted financial products and services.
- Improved loan applications and documentation by informing applicant of additional requirements.
- Performed daily maintenance of loan applicant database.
- Met with applicants to obtain information for loan applications and answer questions about process.
Real Estate Investor
Rehab Homes Investment
Dearborn, MI
01.2017 - Current
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Contributed innovative ideas and solutions to enhance team performance and outcomes.
- Participated in contracting and subcontracting over 60 project portfolio projects
- Built relationships with other investors for future project management
- Design and manage cost projections on rehab investments
- Managed and built out property management business
- Screen and manage arental portfolio 20%+ ROI
Realtor/ Real Estate Broker
American Realty Group
Dearborn, MI
06.2000 - Current
- Provided and managed continuous processes and performance feedback to sales managers and SALES TEAM(s)
- Managed wholesale accounts and developed new relationships to grow current wholesale distribution(s)
- Completed all administrative duties in a timely manner building-wide incentives
- Worked on multiple building-wide and district-wide committee teams on collaboration for continuous growth
- Conducted hundreds of evaluations and gave feedback on continuous improvement-Schools, Realtors, Businesses, Teachers
- Assisted in preparation for team-lead meetings and professional development
- Multiple experiences in being a Liaison and communication in multiple situations from real estate deals, mortgage process, wholesaling, administrative and parental conflict resolution, and central office experiences.
- Volunteered coaching- (50++) realtors
- Learned extensive sales techniques and coaching to increase my own sales skillset and numbers, such as NeuroLinguistics-Language Patterns (NLP)/ Ninja Selling/ Straight Line of Persuasion, Objection Handling, etc.…
- Interfaced with the selling and purchasing of product(s) and provided clientele with accurate updates, changes, delivery dates, revisions etc..(real estate, mortgage process, and wholesale business)
- Over 20,000+ hours of prospecting new business.
- Over 12,000+ real estate appointments.
- Familiarized myself with the “loan process” and different lending options.
- Utilized multiple prospecting scripts—this includes writing my scripts with NLP language and using prewritten scripts to handle objections.
- Organized and facilitated common GOALS to encourage the development of a Professional Learning Community
- Conducted, staged, and or organized multiple job interviews
- Organized and planned out budgeting—Educational Buildings and Businesses
- Organized and conducted multiple sales meetings, seminars, and professional developme
Principal/Teacher/Educational Leadership Consultant
Dearborn Schools and Wise Academy
Dearborn Heights, MI
08.1999 - 06.2017
- Assessed student performance through tests, quizzes, and other assessments.
- Developed and implemented lesson plans based on curriculum objectives.
- Instructed students in academic subjects such as math, science, language arts, social studies, and history.
- Monitored student behavior in classrooms, hallways, cafeteria, playgrounds.
- Established positive relationships with parents to ensure effective communication regarding student progress and well-being.
- Utilized technology-based learning tools to enhance classroom instruction.
- Incorporated instructional best practices such as differentiated instruction into lesson plans.
- Planned field trips to enrich students' educational experiences outside of the traditional classroom setting.
- Organized parent conferences throughout the year to discuss student progress.
- Participated in professional development workshops related to teaching methods or curriculum changes.
Education
Master of Arts - Educational Leadership/ Admin
Wayne State University
Detroit, MI06-2002
Bachelor of Arts - English Education K-12
Wayne State University
Detroit, MI05-1999
Skills
- Underwriting guidelines
- Document Review
- Loan Processing
- Market Knowledge
- Pipeline Management
- Goal-Oriented
- Credit evaluation
- Financial analysis aptitude
- Credit assessment
- Terms negotiation
- Customer service-focused
- Regulatory Compliance
- Investment product sales
- Loan application management
- Loan Servicing
- Relationship building and management
- Sales pipeline maintenance
Timeline
Loan Originator
Zoom Home Lending
05.2024 - Current
Real Estate Investor
Rehab Homes Investment
01.2017 - Current
Realtor/ Real Estate Broker
American Realty Group
06.2000 - Current
Principal/Teacher/Educational Leadership Consultant
Dearborn Schools and Wise Academy
08.1999 - 06.2017
Master of Arts - Educational Leadership/ Admin
Wayne State University
Bachelor of Arts - English Education K-12
Wayne State University
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