Driven Real Estate/Mortgage/ Human Resource Professional. Demonstrating strong interpersonal skills and exceptional service to the client/customer. Excellent reputation for resolving problems and improving customer satisfaction.
Experienced finance professional prepared for role, bringing strong analytical skills and deep understanding of mortgage lending processes. Demonstrates strong focus on team collaboration and consistently achieves results, adapting to changing needs with ease. Well-versed in regulatory compliance, customer service, and loan origination, valued for reliability and ability to drive successful outcomes.
Overview
20
20
years of professional experience
Work History
Area Loan Specialist
USDA Rural Development
05.2024 - 02.2025
Reduced turnaround time for loan approvals by efficiently managing workload and prioritizing tasks.
Closed over $2.1 million in residential loans and repair grants on a monthly basis.
Enhanced customer satisfaction levels with clear communication and timely follow-ups on loan applications.
Consistently met or exceeded monthly sales targets, contributing significantly to the department''s success.
Resolved complex issues related to existing loans, effectively retaining clients while addressing concerns promptly.
Assisted in the development of training materials for new Loan Specialists, contributing to overall team success.
Identified problem areas within loan portfolio, analyzed risks and suggested appropriate solutions.
Managed a diverse portfolio of loans, balancing risk management with excellent customer service delivery.
Conducted thorough reviews of financial data for precise analysis of clients'' financial health prior to granting loans.
Licensed Mortgage Loan Officer
Regions Bank
09.2019 - 09.2024
Closed over $19 million dollars in mortgage loans
Obtained an 85% pull-through rate for loans and 98% customer service compliance
Originated single family and multi-family loans through Fannie Mae, Freddie Mac, USDA, and VA to include special portfolio loans to include Purple Market borrowers and available grants such as first-time home buyer
Analyzed loan applicants' information to determine eligibility for mortgage loan before making loan recommendations
Extensive knowledge of mortgage loans and credit principles and practices to assess the fundamental soundness of single-family housing loans, multi-family housing and investment loans
Knowledgeable of single-family housing building construction standards and costs, plans, estimates, and contracts and inspections
Received, reviewed, and prepared documents for customers before submitting to the underwriter for the initial and final loan approval while overseeing each step of closing process
Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to all customer needs
Resolved discrepancies between borrowers, lenders and financial institutions with detailed orientation and efficiency
Provided credit counseling/review to borrowers and debt adjustment suggestions to aid in their loan qualification eligibility and requirement
Working knowledge of reviewing credit report, appraisal, and inventory of property
Collaborated with sales agents, financial planners, and accountants to attract clients and enhance beneficial partnerships
Partner with branches for mortgage referrals and crossing selling of bank products such as checking and savings accounts
Maintained strong relationships with real estate agents, builders, and financial planners to generate new leads and referrals.
Achieved top-performing loan officer status by consistently meeting and exceeding sales goals.
Professional Realtor
Century 21 Premier Real Estate
01.2016 - 08.2019
Licensed, professional, full-service Realtor specializing in listing and selling residential properties in Georgia, Alabama, and Mississippi
Displayed strong presentation, marketing, negotiation, and organizational skills that resulted in listings and sales of over $5 million in yearly sales
Extensive knowledge of new construction single home contracts and approval processes that included orchestrating meetings with the builder, architects, lenders, and clients to establish the plans, costs, estimates and budget
Reviewed appraisals and home inspections for accuracy
Conducted independent inspections and inventory activities
Accomplished an on-time closure rate of 100% through timely contract-to-closing oversight
Established excellent relationships with Escrow Officers and Realtors to maintain good working relationships
Prepared real estate documents to include leases and sales contracts
Worked with multiple lenders and mortgage brokers to coordinate the best possible solution for clients
Prepared documents and conducted record searches
Advised sellers on how to make homes more appealing to potential buyers and increase selling price and value of homes based on current market conditions
Participated and referred buyers to credit counseling services or local community programs that assisted with down payment funds for first time homebuyers
Resolved client concerns related to home purchases to maintain high satisfaction ratings
Log Manager
Raycom Media
11.2013 - 11.2015
Reconciliation Specialist
Aflac (Randstad)
04.2011 - 08.2012
Processed claims for healthcare/ insurance
Established priorities and adapted to situational changes
Assisted the specialists by answering questions on procedures and policies for the customer billing systems to ensure prompt payment of authorized services
Organize and prioritized incoming requests so that response times are met consistently
Remained up to date on documentation regulatory and insurance underwriting guidelines perfection requirements to ensure underwriting quality
Researched with detail and corrected insurance premium discrepancies exceeding the weekly goal of $100,000 of reconciled funds
Human Resources Specialist
KBR (Halliburton)
04.2005 - 10.2010
Applied a comprehensive knowledge of human resource management to advise on the full range of life cycle functions and assist management in accomplishing their human resource management responsibilities
Ensure that the organization's strategic plan, mission, vision, and values are communicated to the team and integrated into the team's strategies, goals, objectives, work plans and work products and services
Coordinated all staffing requirements, to include conducting telephone or on-site interviews of qualified candidates and referring the best candidates
Coach the team in the selection and application of appropriate problem-solving methods and techniques, provide advice on work methods, practices, and procedures, and assist the team and/or individual members in identifying the parameters of a viable solution
Coordinated and facilitated interviews and assisted throughout the selection process coordinates all staffing requirements, to include conducting telephone and on-site interviews of qualified candidates
Articulated and communicated to the team the assignment, project, problem to be solved, actionable events, milestones, and/or program issues under review, and deadlines and time frames for completion
Working knowledge of federal personnel laws, rules, and regulations
Provided advice to managers related to classification recruiting/placement
Processed all Personnel Actions in reference to Promotions, Reclassification, Transfers, Demotions, Separations, Terminations, and reprimands
Worked with applicants to resolve questions related to their applications
Notified selected/non-selected candidates throughout the hiring process
Trustworthy in handling confidential documents
Quick learner for policies and procedures with the ability to adapt to changes very quickly
Education
Bachelor of Science - Human Resource Management
DeVry University
Downers Grove, IL
05-2026
Some College - Business Administration
Columbus Technical College
Columbus, GA
09.2013
Skills
Financial analysis aptitude
Critical thinking
Leadership
Oral Communication
Detail-oriented
Self-motivated professional
Customer Service
Written Communication
Loan origination
Pipeline management
Document review
Goal oriented
Military Experience
U.S. Army, Staff Sergeant, 03/1996, 10/2003, Honorable Discharge
Timeline
Area Loan Specialist
USDA Rural Development
05.2024 - 02.2025
Licensed Mortgage Loan Officer
Regions Bank
09.2019 - 09.2024
Professional Realtor
Century 21 Premier Real Estate
01.2016 - 08.2019
Log Manager
Raycom Media
11.2013 - 11.2015
Reconciliation Specialist
Aflac (Randstad)
04.2011 - 08.2012
Human Resources Specialist
KBR (Halliburton)
04.2005 - 10.2010
Some College - Business Administration
Columbus Technical College
Bachelor of Science - Human Resource Management
DeVry University
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