Summary
Overview
Work History
Education
Skills
Timeline
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Tiffany Alphonso

Toms River

Summary

Accomplished CRA Mortgage Loan Originator specializing in loan origination and fostering robust relationships with real estate professionals. Excelled in leveraging effective communication and negotiation skills to enhance mortgage sales. Demonstrated success in community and non-profit engagement, significantly increasing referral sources and client satisfaction.

Overview

8
8
years of professional experience

Work History

CRA Mortgage Originator

M&T Bank
05.2024 - Current
  • Analyzed loan applications and credit reports to determine loan eligibility and risk level.
  • Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
  • Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
  • Participated in industry events and conferences to build relationships and gain market intelligence.
  • Developed extensive network of referral partners to source new mortgage loan opportunities.
  • Assisted in building and nurturing relationships with affordable housing non-profit partners to expand outreach and generate qualified leads
  • Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
  • Developed strong partnerships with local real estate agents to generate consistent referral sources for mortgages.
  • Organized educational seminars for prospective homebuyers, increasing company visibility in the community.

Relationship Banker

M&T Bank
05.2023 - 05.2024
  • Achieved excellent customer satisfaction ratings by addressing concerns promptly and professionally, demonstrating empathy throughout interactions.
  • Strengthened client relationships by providing personalized banking solutions and excellent customer service.
  • Maintained up-to-date knowledge of banking products and industry trends to provide expert advice to clients effectively.
  • Assisted customers in achieving financial goals by recommending suitable products and services based on their needs.
  • Expanded client base through effective networking and referral generation, leading to increased business opportunities.
  • Increased cross-selling success by proactively identifying client needs and suggesting appropriate financial solutions.
  • Resolved customer complaints and disputes to maintain satisfaction and loyalty.

Mortgage Loan Originator

Cardinal Financial
01.2020 - 05.2023
  • Analyzed loan applications and credit reports to determine loan eligibility and risk level.
  • Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
  • Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
  • Participated in industry events and conferences to build relationships and gain market intelligence.
  • Developed extensive network of referral partners to source new mortgage loan opportunities.
  • Assessed borrowers' financial situations to determine appropriate mortgage products and loan structure.
  • Developed strong partnerships with local real estate agents to generate consistent referral sources for mortgages.
  • Organized educational seminars for prospective homebuyers, increasing company visibility in the community.

Mortgage Loan Originator

Residential Home Funding
09.2016 - 12.2019
  • Analyzed loan applications and credit reports to determine loan eligibility and risk level.
  • Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
  • Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
  • Participated in industry events and conferences to build relationships and gain market intelligence.
  • Developed extensive network of referral partners to source new mortgage loan opportunities.
  • Assessed borrowers' financial situations to determine appropriate mortgage products and loan structure.
  • Developed strong partnerships with local real estate agents to generate consistent referral sources for mortgages.
  • Organized educational seminars for prospective homebuyers, increasing company visibility in the community.

Education

High School Diploma -

Toms River North Highshcool
Toms River, NJ

Skills

  • Loan Origination Expertise
  • Mortgage Sales & Product Promotion
  • Relationship building and management
  • Collaboration with Real Estate Professional
  • Effective Communication and Negoitation
  • Community & Non-Profit Engagement

Timeline

CRA Mortgage Originator

M&T Bank
05.2024 - Current

Relationship Banker

M&T Bank
05.2023 - 05.2024

Mortgage Loan Originator

Cardinal Financial
01.2020 - 05.2023

Mortgage Loan Originator

Residential Home Funding
09.2016 - 12.2019

High School Diploma -

Toms River North Highshcool

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Tiffany Alphonso