Virginia Sartain

As Senior Loan Officer Assistant at CMG Financial, I undertake a multifaceted role encompassing various responsibilities in the mortgage domain. My scope of duties extends to, but is not confined to:

• Conducting thorough credit analysis to assess applicant eligibility

• Accurately calculating income to determine loan feasibility

• Establishing and maintaining organized file structures

• Providing guidance and coaching to borrowers throughout the loan process

• Engaging in strategic lender and rate comparison

• Facilitating seamless contract and loan processing

• Coordinating order fulfillment for required documentation

• Ensuring meticulous collection of necessary conditions

• Balancing Closing Disclosures (CD) for precision

• Preparing for efficient and accurate loan closings

• Overseeing post-closing obligations and duties

Furthermore, this role demands an adeptness in employee training, process development, and leadership. Effectively training team members, devising streamlined processes, and taking on a leadership role in guiding Loan Officers (LOs) and Loan Officer Assistants (LOAs) are integral aspects of my responsibilities.

In this capacity, I am dedicated to driving operational excellence and fostering collaborative environment within the team.

As a Loan Officer at Fairway, my scope of duties extends to, but is not confined to:

• Assisted borrowers comprehensively in their pursuit of homeownership, covering diverse aspects including customer service, application processing, and pre-approval procedures.
• Nurtured and maintained partner relationships, ensuring effective collaboration and facilitating seamless transactions.
• Managed rate locking and pricing strategies, optimizing loan terms for clients while adhering to market dynamics.
• Orchestrated the entire loan process lifecycle, from initiation to closure, ensuring smooth progression and timely completion.
• Delivered borrower and partner education, enhancing their understanding of loan structures, options, and procedures.
• Actively contributed to sales, marketing, and public relations efforts, bolstering the company's market presence.
• Sustained client engagement through consistent communication, resulting in high levels of satisfaction and retention.

As a Loan Officer Assistant at Fairway, my scope of duties extends to, but is not confined to:

• Collaborated closely with a senior loan officer to facilitate various aspects of mortgage processing.
• Conducted income calculations and generated pre-approval letters, ensuring accuracy and timeliness.
• Customized loan structures and pricing preferences based on individual borrower needs and market conditions.
• Engaged borrowers in comprehensive discussions about loan options, interest rates, and repayment plans.
• Oversaw the end-to-end loan process, meticulously tracking disclosures, signatures, and essential documents.
• Managed and monitored external requests, including Verification of Employment (VOE), Hazard, and Title, streamlining loan progress.
• Collaborated seamlessly with the loan processor to prepare loans for closure, performing a range of processing tasks.
• Maintained continuous communication with borrowers, guiding them through each step until the successful closing of the loan.
• Provided thorough guidance to borrowers regarding closing preparations, reviewing final Closing Disclosure (CD), outlining cash requirements, and facilitating fund transfers.
• Demonstrated autonomy by referring and structuring personal referral loans.
• Successfully executed all responsibilities within the framework of a remote work arrangement.

As a Licensed Loan Partner at CMG Financial, my scope of duties extends to, but is not confined to:

• Operated under the guidance of a seasoned senior loan officer to facilitate efficient mortgage processes.
• Established personalized loan structure preferences, encompassing pricing intricacies to best align with clients' needs.
• Conducted informative consultations with borrowers, engaging in comprehensive discussions regarding loan and interest rate alternatives.
• Managed the disclosure of applications and oversaw essential order-outs, which included VOE, VOR, Hazard, and Title Requests.
• Collaborated closely with the loan processor, actively participating in loan preparation for the final closing stages and overseeing various vital processing tasks.
• Maintained consistent communication with borrowers throughout the entire loan journey, ensuring their needs were met up until the closing phase.
• Skillfully guided borrowers through the closing process, involving meticulous review of the final Closing Disclosure (CD), clear explanations of cash-to-close requirements, and instructions for funds delivery during closing.
• Thrived in a role that empowered me to not only refer clients but also structure personalized referral loans.
• Successfully fulfilled all responsibilities within the framework of a remote work arrangement.