Vernon Dennison
Franklin Park,NJ
Summary
Dynamic loan officer with a proven track record of leveraging extensive networking relationships to drive business growth and enhance closing volume. Committed to setting ambitious goals while consistently aligning with company objectives to achieve outstanding results. Passionate about contributing to a forward-thinking organization that values innovation and excellence in service delivery.
Overview
28
28
years of professional experience
Work History
Loan Officer
PRMG
01.2019 - 02.2026
- Originated loans FHA, 203k, Fannie Mae, New Construction, Dscr, and Reverse Mortgages
- Evaluated borrower creditworthiness through detailed analysis of financial documents and credit reports.
- Developed customized loan solutions that aligned with client needs and financial capabilities.
- Collaborated with real estate professionals to facilitate smooth transaction processes for clients.
Forensic Auditor (Remote Contract)
Data Infinity
08.2016 - 01.2019
- Full review of all loan files prior to funding and post closing.
- Input loan data into quality control program for compliance testing.
- Test all loans for high cost.
- Verify employment and income to satisfy the ATR rule.
- Clear qm issues with apr tolerances.
- Review collateral packages to make sure all closing documents are fully executed.
- Run compliance reports
- Grade loans based on findings, red flags and quality of the loan file.
Disclosure Analyst
Home Point Financial
01.2016 - 08.2016
- Fully reviewed all loans to ensure compliance accuracy.
- Prepared initial disclosures for borrower to review via mail or electronic delivery.
- Prepared re disclosure packages due to change in circumstances.
- Updated encompass to make sure all fees and borrower information is accurate.
- Cleared qm issues with apr tolerances.
- Prepared initial Le and Closing disclosures.
- Confirm rate lock pricing accuracy and uploaded all 4506- request.
Sr. Mortgage Processor / Jr. Underwriter
Digital Underwriter.com
01.2011 - 12.2015
- Processed all loan applications according to FNMA, HARP, FHLMC, FHA, USDA, and VA guidelines.
- Ordered and verified all 3rd party verifications.
- Verified Insurance policies to make sure coverage is sufficient for new loan amounts.
- Ordered credit supplements to obtain up to date account statuses.
- Restructured denied loans and assist bringing them to approval status.
- Calculated using paystubs, w2’s, personal and business tax returns.
Loan Officer
Wall Street Financial Corporation
05.2001 - 01.2011
- Developed different marketing strategies to generate new clients.
- Communicated daily with warm lead transfers and cold calling leads.
- Daily marketing through advertising, networking and social media.
- Daily visits to local realtors to build business relationships.
- Live presentations for local mortgage brokers showcasing are mortgage products.
- Face to face consulting with homeowners for mortgage financing.
- Built business relationships with homeowners, home buyers, and mortgage professionals.
- Thorough review of credit, income, and assets for loan qualifying.
Sales Manager
D&M Financial
02.1998 - 05.2001
- I managed the wholesale / retail mortgage division.
- Provided in depth training to my sales team on all lending guidelines.
- Managed 20 loan officers and over a 100 mortgage broker accounts scattered throughout the US.
- Developed strategic sales strategies to boost sales.
- Pipeline Volume $10,000,000 -15,000,000 a month in loans.
- Conducted several live presentations for various broker firms throughout the US.
- Cold calling to different mortgage broker accounts across the United States.
- Implemented different marketing strategies to drive sales and generate more revenue.
- Attend open house events weekly to prospect new clients.
Education
Richardson Sales Training
01-2009
Computer Information Systems, Business Management
Essex County College
01-1999
Computers Information Systems
DeVry Technical Institute
01-1999
High School Diploma -
Montclair High School
01-1995
Skills
- Inside Sales / Outside Sales
- Mortgage lending
- Customer Service
- Document analysis
- Financial advising
- Account Executive
- Relationship building and management
Timeline
Loan Officer
PRMG
01.2019 - 02.2026
Forensic Auditor (Remote Contract)
Data Infinity
08.2016 - 01.2019
Disclosure Analyst
Home Point Financial
01.2016 - 08.2016
Sr. Mortgage Processor / Jr. Underwriter
Digital Underwriter.com
01.2011 - 12.2015
Loan Officer
Wall Street Financial Corporation
05.2001 - 01.2011
Sales Manager
D&M Financial
02.1998 - 05.2001
Computer Information Systems, Business Management
Essex County College
Computers Information Systems
DeVry Technical Institute
Richardson Sales Training
High School Diploma -
Montclair High School