Todd Fuller
Dallas,GA
Summary
Established Mortgage Loan Officer with over 30 years of experience in the mortgage industry. Extensive mortgage knowledge and success in client education. Stays informed of current industry news and trends, providing the most up-to-date information and lending solutions to clients. Held positions in many phases of the mortgage industry from Closing, Processing, Servicing, Wholesale Account Executive to Retail Mortgage Banker/Loan Officer.
Overview
23
23
years of professional experience
1
1
Certification
Work History
Residential Mortgage Banker
Ameris Bank Mortgage
10.2016 - Current
- Achieved high customer satisfaction by providing personalized mortgage solutions to clients.
- Closed loans successfully with a strong focus on accuracy and attention to detail.
- Developed professional relationships with realtors, builders, and other referral sources to generate new business opportunities.
- Managed communication between all parties involved in the loan process, fostering collaboration and transparency throughout each transaction.
- Provided exceptional customer service, addressing client concerns promptly and effectively resolving any issues that arose during the loan process.
- Participated in ongoing training to stay current on industry trends, lending guidelines, and product knowledge.
- Assisted clients in understanding complex mortgage concepts, guiding them through each step of the loan process with clarity and confidence.
- Supported clients throughout their home buying journey by offering guidance on credit improvement strategies and available down payment assistance programs.
- Established trust with clients by consistently delivering reliable advice based on thorough analysis of their financial goals and needs.
- Contributed to company growth by actively participating in community events, promoting brand awareness and showcasing the firm''s commitment to supporting local homeownership initiatives.
- 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.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Checked loan documents for accuracy prior to closing.
- Explained different types of loans pertaining to client situations.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Negotiated loan terms and conditions with clients to maximize profitability.
- Assisted customers with completing loan applications and other paperwork.
- Negotiated loan terms and conditions with customers to secure best deal.
Route Sales Representative
Warner Candy
02.2014 - 10.2016
- Maintained positive relationships with customers using good communication and follow-through abilities.
- Managed product transitions from warehouse to customer site, loading, and unloading in alignment with specifications.
- Properly processed all sales transactions, achieving high levels of account growth and retention via quality deliverables.
- Displayed products properly at customer sites and according to company specifications and policies.
- Operated delivery vehicles safely and efficiently.
- Stocked shelves and loaded orders to prepare deliveries.
Client Service Representative
Regions Bank
02.2013 - 02.2014
- Enhanced customer satisfaction by promptly addressing concerns and providing accurate information.
- Developed strong product knowledge to provide informed recommendations based on individual customer needs.
- Managed incoming calls, providing prompt and accurate information to clients about products and services.
- Handled sensitive client information with discretion, ensuring confidentiality at all times.
- Responded to customer calls and emails to answer questions about products and services.
Personal Banker II
SunTrust Banks Inc
01.2012 - 02.2013
- Improved customer satisfaction by providing personalized banking solutions and exceptional service.
- Generated new business by conducting thorough financial needs assessments and offering tailored products to clients.
- Maintained compliance with bank policies and regulations while executing various financial transactions for customers.
- Assisted in the development of marketing strategies to increase awareness of bank products and services within the local community.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Cross-sold bank products and services to meet customer needs and provide options.
- Managed deposits, withdrawals and wire transfers to process smooth banking transactions for clients.
- Processed customer requests for statements, ordering additional checks, and updating customer personal information in database.
- Balanced cash drawers and vault accounts on daily basis with zero discrepancies.
Wholesale Account Executive
Primary Capital Mortgage
02.2001 - 08.2009
- Increased wholesale account revenue by establishing strong partnerships with key clients and providing exceptional customer service.
- Generated new business opportunities by attending industry trade shows, networking events, and conducting cold calls.
- Created customized presentations for potential clients, showcasing product offerings and highlighting their unique value propositions.
- Achieved quarterly sales targets consistently through diligent prospecting and effective account management practices.
- Managed sales pipeline and closing ratio to keep leads current and on track.
- Conducted cold calls to generate new accounts by selling benefits of products and services.
- Created marketing materials such as flyers and business cards to uncover new customer leads.
- Contacted customers and prospects to generate new business to achieve company growth goals.
Education
High School Diploma -
South Cobb High School
Austell, GA05.1983
Skills
- Loan Processing
- Loan Origination
- Qualifying Customers
- Closing Procedures
- Mortgage Lending
- Originating Home Loans
- Reviewing Documents
- Credit Analysis
- Loan Structuring
- Regulatory Compliance
- Debt-to-Income Analysis
- Interest Rate Negotiation
- FHA and VA Loans
- Refinancing Expertise
- Sales Development
- Residential Mortgage Lending Regulations
- Licensed Mortgage Loan Originator
- Document Review
- Credit History Review
- Product Education
- Automated Underwriting System (AUS)
- Regulatory Disclosure Preparation
- Eligibility Determination
- Client Counseling
- Microsoft Office
- Bank Product Marketing
- Relationship Management
- Product Knowledge
- Government Loans
- Rate Locking
- Documentation Review
Accomplishments
Top Producing Wholesale Account Executive 2004
Ambassador with Paulding County Chamber of Commerce 2010
Affiliations
- National Association of Mortgage Brokers
- Georgia Association of Mortgage Brokers
- Community Bankers Association
- Northwest Metro Association of Realtors
- West Georgia Board of Realtors
- Paulding County Board of Realtors
- Paulding County Chamber of Commerce
- Bartow County Chamber of Commerce
- Cobb Board of Realtors
Certification
NMLS #161686
Languages
English
Timeline
Residential Mortgage Banker
Ameris Bank Mortgage
10.2016 - Current
Route Sales Representative
Warner Candy
02.2014 - 10.2016
Client Service Representative
Regions Bank
02.2013 - 02.2014
Personal Banker II
SunTrust Banks Inc
01.2012 - 02.2013
Wholesale Account Executive
Primary Capital Mortgage
02.2001 - 08.2009
High School Diploma -
South Cobb High School
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