Steven Veno
Budd Lake,NJ
Summary
Experienced with loan origination and structuring financial solutions to meet client needs. Utilizes deep knowledge of underwriting guidelines and regulatory requirements to ensure high-quality loan processing. Track record of building and maintaining strong relationships with clients and stakeholders.
Overview
21
21
years of professional experience
Work History
Senior Loan Officer
LoanDepot
10.2024 - Current
- Collaborated with underwriting team to expedite loan processing times and ensure timely closings for clients.
- Cultivated referral network with real estate agents, builders, and other professionals to generate new business leads.
- Developed strong relationships with borrowers, resulting in high levels of customer satisfaction and repeat business.
- Submitted loan applications to underwriter for verification and recommendations.
Senior Loan Officer
Waterstone Mortgage
05.2023 - 04.2024
- Collaborated with underwriting team to expedite loan processing times and ensure timely closings for clients.
- Cultivated referral network with real estate agents, builders, and other professionals to generate new business leads.
- Maintained strict confidentiality of bank records and client information.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Provided exceptional customer service during loan origination, addressing client concerns and ensuring a smooth process from start to finish.
Senior Loan Officer
PNC Bank
10.2022 - 04.2023
- Collaborated with underwriting team to expedite loan processing times and ensure timely closings for clients.
- Cultivated referral network with real estate agents, builders, and other professionals to generate new business leads.
- Submitted loan applications to underwriter for verification and recommendations.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
Mortgage Loan Originator
Kearny Bank
03.2017 - 06.2022
- Maintain friendly and professional customer interactions.
- Collaborated with loan processors to expedite the closing process, allowing clients to move into their homes sooner.
- Meet with clients to assess their financial situation to develop solutions that best fit their mortgage needs.
- Rapidly and efficiently prepare customer applications for the purpose of staying within regulatory disclosure compliance.
- Work with processors and underwriters to fix application problems and resolve issues.
- Maintained a comprehensive understanding of various mortgage products offered for purchase transactions including conventional, FHA, VA, USDA loans as well as refinance options.
- Remained up-to-date on industry regulations, guidelines, and loan program changes by attending relevant training sessions and webinars regularly.
- Maintained compliance with federal and state regulations, ensuring accurate documentation and preventing potential legal issues.
- Negotiated optimal interest rates and fees with borrowers, providing them with competitive financing solutions.
- Educated prospective borrowers on various loan programs available, matching them with the best financing options for their needs.
Mortgage Loan Originator
Investors Bank
12.2015 - 03.2017
- Maintain friendly and professional customer interactions.
- Create strategies thru marketing efforts to help develop and expand sales of mortgage products to prospective and existing customers.
- Review loan files and update to match current underwriting standards in order to present mortgage loan options.
- Meet with clients to assess their financial situation to develop solutions that best fit their mortgage needs.
- Rapidly and efficiently prepare customer applications for the purpose of staying within regulatory disclosure compliance.
- Work with processors and underwriters to fix application problems and resolve issues.
Mortgage Loan Originator
American Financial Resources/eLEND
02.2015 - 11.2015
- Maintain friendly and professional customer interactions.
- Create strategies thru marketing efforts to help develop and expand sales of mortgage products to prospective and existing customers.
- Review loan files and update to match current underwriting standards in order to present mortgage loan options.
- Meet with clients to assess their financial situation to develop solutions that best fit their mortgage needs.
- Rapidly and efficiently prepare customer applications for the purpose of staying within regulatory disclosure compliance.
- Work with processors and underwriters to fix application problems and resolve issues.
Mortgage Loan Originator
Mortgage Associates Inc/Ist Constitution Bank
11.2012 - 02.2015
- Maintain friendly and professional customer interactions.
- Create strategies thru marketing efforts to help develop and expand sales of mortgage products to prospective and existing customers.
- Review loan files and update to match current underwriting standards in order to present mortgage loan options.
- Meet with clients to assess their financial situation to develop solutions that best fit their mortgage needs.
- Rapidly and efficiently prepare customer applications for the purpose of staying within regulatory disclosure compliance.
- Work with processors and underwriters to fix application problems and resolve issues.
Mortgage
GMAC Mortgage
04.2012 - 11.2012
- Maintain friendly and professional customer interactions.
- Create strategies thru marketing efforts to help develop and expand sales of mortgage products to prospective and existing customers.
- Review loan files and update to match current underwriting standards in order to present mortgage loan options.
- Meet with clients to assess their financial situation to develop solutions that best fit their mortgage needs.
- Rapidly and efficiently prepare customer applications for the purpose of staying within regulatory disclosure compliance.
- Work with processors and underwriters to fix application problems and resolve issues.
Mortgage Loan Originator
Superior Mortgage/Guaranteed Rated
04.2009 - 03.2012
- Maintain friendly and professional customer interactions.
- Create strategies thru marketing efforts to help develop and expand sales of mortgage products to prospective and existing customers.
- Review loan files and update to match current underwriting standards in order to present mortgage loan options.
- Meet with clients to assess their financial situation to develop solutions that best fit their mortgage needs.
- Rapidly and efficiently prepare customer applications for the purpose of staying within regulatory disclosure compliance.
- Work with processors and underwriters to fix application problems and resolve issues.
Mortgage Loan Originator
Mortgage Associates Inc
04.2004 - 03.2009
- Maintain friendly and professional customer interactions.
- Create strategies thru marketing efforts to help develop and expand sales of mortgage products to prospective and existing customers.
- Review loan files and update to match current underwriting standards in order to present mortgage loan options.
- Meet with clients to assess their financial situation to develop solutions that best fit their mortgage needs.
- Rapidly and efficiently prepare customer applications for the purpose of staying within regulatory disclosure compliance.
- Work with processors and underwriters to fix application problems and resolve issues.
- My job responsibilities at each mortgage company are similar by comparison, originate residential loans on 1–4 family properties, in addition:
Education
Bachelor of Science - Finance
Central Connecticut State University
New Britain, CT05.1995
Skills
- Self-sufficient
- Verbal/written communication
- Deadline-driven
- Customer-oriented
- Excellent time management skills
- Detail-oriented
- Compliance, banking laws and regulations
- Continuous learning commitment
Timeline
Senior Loan Officer
LoanDepot
10.2024 - Current
Senior Loan Officer
Waterstone Mortgage
05.2023 - 04.2024
Senior Loan Officer
PNC Bank
10.2022 - 04.2023
Mortgage Loan Originator
Kearny Bank
03.2017 - 06.2022
Mortgage Loan Originator
Investors Bank
12.2015 - 03.2017
Mortgage Loan Originator
American Financial Resources/eLEND
02.2015 - 11.2015
Mortgage Loan Originator
Mortgage Associates Inc/Ist Constitution Bank
11.2012 - 02.2015
Mortgage
GMAC Mortgage
04.2012 - 11.2012
Mortgage Loan Originator
Superior Mortgage/Guaranteed Rated
04.2009 - 03.2012
Mortgage Loan Originator
Mortgage Associates Inc
04.2004 - 03.2009
Bachelor of Science - Finance
Central Connecticut State University
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