Tracy Edward Sims
Claremont,CA
Summary
Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service.
Overview
6
6
years of professional experience
Work History
SR. LOAN OFFICER
EQUINOX FINANCIAL
09.2022 - 02.2023
- Completed mortgage applications for submission to the loan processing and underwriting departments
- Established detailed marketing/business plan including names of potential and existing loan customers, realtors, builders, developers, etc and frequency of contact
- Answered customer calls and walks in customers to discuss various loan products and qualification information
- Made sales calls on potential or existing customers as established in marketing plan to develop new business or retain existing business.
WHOLESALE ACCOUNT EXECUTIVE
ATHAS CAPITAL
03.2022 - 09.2022
- Outbound Call Center
- Calling Mortgage Brokers Nationwide
- Responsible for generating loan files and Broker Approvals
- Gathered necessary information/documentation from Brokers for wholesale approval
- Introduced both Qualified Mortgage Products and Non- Qualified Products
- Priced out scenarios on files that Brokers currently had on their desks.
LOAN OFFICER
FREEDOM MORTGAGE COPRORATION
02.2021 - 12.2021
- Inbound call center professional
- Originated CONV, FHA, Jumbo and Reverse Mortgages
- Responsible for originations of new mortgage applications
- Gathered necessary information/documentation from clients including W-2's, Tax Returns, IRS Transcripts, Bank Payoff's, Title Reports, etc
- Compiled extensive closing packages and ensured that all documents were drafted/packaged correctly
- Assisted with underwriting requests for additional information.
LOAN OFFICER
SUN WEST MORTGAGE COMPANY
10.2019 - 07.2020
- Inbound call center professional
- Originated CONV, FHA, Jumbo and Reverse Mortgages
- Responsible for originations of new mortgage applications
- Gathered necessary information/documentation from clients including W-2's, Tax Returns, IRS Transcripts, Bank Payoff's, Title Reports, etc
- Compiled extensive closing packages and ensured that all documents were drafted/packaged correctly
- Assisted with underwriting requests for additional information.
LOAN OFFICER
LAMARC MORTGAGE
12.2018 - 10.2019
- Completed mortgage applications for submission to the loan processing and underwriting departments
- Established detailed marketing/business plan including names of potential and existing loan customers, realtors, builders, developers, etc and frequency of contact
- Answered customer calls and walks in customers to discuss various loan products and qualification information
- Made sales calls on potential or existing customers as established in marketing plan to develop new business or retain existing business.
LOAN OFFICER
ESSEX MORTGAGE
01.2017 - 12.2018
- Prepared and distributes approved promotional flyers and materials
- Established and implemented marketing strategies, including, but not limited to First Time Buyers, letters to past customers and financing seminars
- Network through professional, business and community organizations and activities to promote and market loan products
- Evaluate loan requests, analyze financial data, and determines the qualification of collateral and customer credit history
- Structured loan to comply with acceptable lending practices and Federal regulations.
Education
Associates of Science Criminal Justice -
CITRUS COLLEGE
Azusa, CA06.1990
Skills
- Professional demeanor demonstrating patience, composure, and a positive attitude
- Ability to interact effectively with peers, immediate and senior level management
- Demonstrates the ability to identify customer needs and recommend solutions quickly
- Detailed-oriented and able to multi-task, organize, and prioritize issues
- Flexible and able to adapt quickly to change in a fast-paced environment and deliver on tight deadlines
- 20 Years Loan Structuring (Mortgage Sales, Processing, Closing, or Underwriting) experience
- Time Management Efficiency
- Goal-oriented mindset
- Effective Communication Techniques
- Decision-Making Confidence
- Continuous Learning Commitment
City
Claremont
State
CA
Zip
91711
Cell
310-698-2920
Nmls
1401286
Timeline
SR. LOAN OFFICER
EQUINOX FINANCIAL
09.2022 - 02.2023
WHOLESALE ACCOUNT EXECUTIVE
ATHAS CAPITAL
03.2022 - 09.2022
LOAN OFFICER
FREEDOM MORTGAGE COPRORATION
02.2021 - 12.2021
LOAN OFFICER
SUN WEST MORTGAGE COMPANY
10.2019 - 07.2020
LOAN OFFICER
LAMARC MORTGAGE
12.2018 - 10.2019
LOAN OFFICER
ESSEX MORTGAGE
01.2017 - 12.2018
Associates of Science Criminal Justice -
CITRUS COLLEGE
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