Tim Kerley
Hickory,NC
Summary
Talented LO with proven track record of self-sourced business, real estate agent education and relationships, as well as providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.
Overview
20
20
years of professional experience
Work History
Senior Mortgage Banker
Atlantic Bay Mortgage Group
09.2017 - Current
- Marketed to real estate agents via phone calls, personal visits w/ pop-by gifts, handwritten notes, educational seminars (both in person and online), video messages, text messages, and social media video content.
- Marketed to previous and prospective borrower clients via phone calls, handwritten notes, educational seminars (online), video messages, text messages, and social media video content.
- Established monthly educational lunch and learn program (in person) for real estate agents on a variety of topics.
- Established weekly educational seminar program (online) for previous clients and prospective borrowers - content includes Homebuying 101; How To Buy a Second Home or Investment Property, and Renovation Loans.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Worked with underwriters to fix application problems and resolve issues.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
Mortgage Loan Officer
Peoples Bank
06.2016 - 08.2017
- Worked with retail bank staff to provide exceptional mortgage services to borrower clients.
- Provided construction lending services via the bank's in-house construction program.
Home Mortgage Consultant
Wells Fargo Home Mortgage
12.2003 - 06.2016
- Assessed clients' financial data to determine loan suitability.
- Advised clients on loan process and specialized topics in home purchasing such as construction and jumbo loans.
- Presented, explained and processed home loan documents to borrowers.
Education
MBA - International Business
Gardner-Webb University
Boiling Springs, NC08.2002
Bachelor of Science - Business Administration
Appalachian State University
Boone, NC12.1988
Skills
- Certified Mortgage Advisor (CMA)
- Sales Development
- Marketing Expertise
- Mortgage Loan Origination
- Customer Care
- Loan Product Promotion
- Loan Application Management
- Desktop Underwriting Expertise
- Analytical and Critical Thinking
- Customer Interaction
Affiliations
- Rotary International (Rotary Club of Catawba Valley)
- Catawba Valley Association of Realtors
Timeline
Senior Mortgage Banker
Atlantic Bay Mortgage Group
09.2017 - Current
Mortgage Loan Officer
Peoples Bank
06.2016 - 08.2017
Home Mortgage Consultant
Wells Fargo Home Mortgage
12.2003 - 06.2016
MBA - International Business
Gardner-Webb University
Bachelor of Science - Business Administration
Appalachian State University
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