Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
Generic

TODD GALE

Chandler,AZ

Summary

Talented Senior Mortgage Banker with proven track record of 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. Dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

Overview

22
22
years of professional experience

Work History

Senior Branch Mortgage Banker

JPMorgan Chase Bank
10.2019 - 03.2023
  • Negotiated loan terms and conditions with customers to secure best deal.
  • Worked with underwriters to fix application problems and resolve issues.
  • Successful during high volume, high pressure time periods prioritizing files to meet funding goals.
  • Proactively identified solutions for customers experiencing credit issues.
  • Monitored portfolio performance and provided clients with periodic updates on loan progress.
  • Analyzed potential risks and evaluated loan products to identify suitable options for customers.
  • Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
  • Explained very technical financial information to applicants in easy to understand language.
  • Reviewed loan files and updated to match current standards.
  • Explained different types of loans pertaining to client situations.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
  • Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
  • Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
  • Identified opportunities to cross-sell and upsell loan products to customers.
  • Negotiated loan terms and conditions with clients to maximize profitability.

Mortgage Banker

JPMorgan Chase Bank
05.2013 - 10.2019
  • Monitored portfolio performance and provided clients with periodic updates on loan progress.
  • Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
  • Reviewed loan files and updated to match current standards.
  • Successful during high volume, high pressure time periods prioritizing files to meet funding goals.
  • Developed and maintained relationships with customers, lenders and other third parties.
  • Processed loan applications and monitored progress from start to finish.
  • Compiled closing packages for drafting and presentation accuracy.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • 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.
  • Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
  • Negotiated loan terms and conditions with clients to maximize profitability.
  • Approved loan applications based on customer creditworthiness and provided detailed financial advice.
  • Worked with underwriters to fix application problems and resolve issues.
  • Assisted customers with completing loan applications and other paperwork.

Mortgage Loan Processor

JPMorgan Chase Bank
04.2010 - 05.2013
  • Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
  • Successful during high volume, high pressure time periods prioritizing files to meet funding goals.
  • Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
  • Prepared file for final clear-to-close by branch management.
  • Coordinated closing process with attorneys, title companies, and government clerks.
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Affirmed loan document accuracy to protect lenders from potential fraud.
  • Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
  • Consulted with outside vendors to identify and resolve loan closing issues.
  • Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
  • Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
  • Set up and completed loan submission packages.

Home Equity Loan Processor

JPMorgan Chase Bank
02.2001 - 04.2010
  • Received on-going, comprehensive training on home loan products and mortgage process.
  • Successful during high volume, high pressure time periods prioritizing files to meet funding goals.
  • Set up and completed loan submission packages.
  • Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
  • Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Handled any conditions sent from underwriting departments.
  • Analyzed borrower credit reports and income statements to verify accuracy.
  • Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
  • Communicated with originator and applicant concerning progress of loan file.
  • Educated customers on loan services and regulations to confirm compliance.
  • Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.

Education

Bachelor of Arts - Asian Studies

Arizona State University
Tempe, AZ
05.2002

Skills

  • Analytical and Critical Thinking
  • Serve Customer Needs
  • Extensive experience during busy and high pressure business cycles
  • Regulatory Compliance
  • Clear Communicator; Verbal and Written
  • Client Interviews
  • Highly organized and efficient
  • Problem Solver

Accomplishments

    2016 Mortgage Banker Advisory Board Member.

Timeline

Senior Branch Mortgage Banker

JPMorgan Chase Bank
10.2019 - 03.2023

Mortgage Banker

JPMorgan Chase Bank
05.2013 - 10.2019

Mortgage Loan Processor

JPMorgan Chase Bank
04.2010 - 05.2013

Home Equity Loan Processor

JPMorgan Chase Bank
02.2001 - 04.2010

Bachelor of Arts - Asian Studies

Arizona State University

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TODD GALE