Thomas Hengels

• Enhanced loan application process by streamlining documentation and improving client communication channels.
• Maximized approval rates for qualified applicants through diligent review of financial information and thorough assessment of risks.
• Developed strong relationships with borrowers, resulting in high customer satisfaction and repeat business.
• Mentored junior loan officers, sharing expertise and knowledge to improve team performance.
• Collaborated with the underwriting team to expedite loan processing times and ensure timely client closings.
• Cultivated a referral network with real estate agents, builders, and other professionals to generate new business leads.
• Achieved high levels of client retention by providing exceptional service throughout the loan origination process.
• Negotiated favorable terms from lenders on behalf of clients, securing optimal financing options for their needs.
• Established a reputation as an expert in various loan programs,
becoming a trusted resource for colleagues and clients.
• Provided exceptional customer service during loan origination, addressing client concerns and ensuring a smooth process from start to finish.

• Enhanced loan application process by streamlining documentation and improving communication channels with clients.
• Maximized approval rates for qualified applicants through diligent review of financial information and thorough assessment of risks.
• Developed strong relationships with borrowers, resulting in high levels of customer satisfaction and repeat business.

• Streamlined loan processing by implementing efficient workflow systems and task prioritization.
• Enhanced customer satisfaction with timely and accurate loan processing, maintaining clear communication throughout the process.
• Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
• Assisted in training junior loan processors, resulting in increased productivity across the team.
• Maintained compliance with federal regulations by meticulously reviewing all loan documents, ensuring accuracy, and completeness.
• Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
• Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
• Coordinated seamlessly with sales teams to ensure proper alignment of expectations and timelines between clients and internal departments.
• Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
• Prepared documents for underwriting by verifying client income, credit reports, and other information.
• Handled any conditions sent from underwriting departments.
• Coordinated closing process with attorneys, title companies, and government clerks.
• Reviewed financial statements and contacted institutions and customers to clarify details.
• Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
• Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
• Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
• Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
• Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
• Analyzed credit reports to assess risk and determine applicants' ability to repay loans.

• Enhanced loan application process by streamlining documentation and improving communication channels with clients.
• Maximized approval rates for qualified applicants through diligent review of financial information and thorough assessment of risks.
• Developed strong relationships with borrowers, resulting in high levels of customer satisfaction and repeat business.
• 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 compliance with industry regulations, ensuring accuracy in disclosures and adherence to lending guidelines.
• Streamlined internal processes for increased productivity by implementing time-saving tools and best practices within the team.
• Increased mortgage revenue by developing targeted marketing campaigns aimed at specific customer segments.
• Established a reputation as an expert in various loan programs, becoming a trusted resource for colleagues and clients alike.