Seasoned mortgage professional with proven success in loan origination, regulatory compliance, and risk assessment. Skilled in credit analysis and fostering relationships with industry partners. Committed to delivering high-quality service and optimizing mortgage processes.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Senior Mortgage Loan Officer (NMLS #1437803)
All Western Mortgage Inc
02.2025 - Current
Cultivated relationships with real estate agents and industry professionals to expand referral network.
Maintained compliance with federal regulations and company policies during all stages of the mortgage process.
Analyzed applicant financial status, credit, and property evaluations to determine feasibility of granting loans.
Negotiated favorable terms for borrowers by leveraging extensive knowledge of lending guidelines and risk factors.
Managed pipeline of mortgage applications for timely processing and closing, resulting in satisfied clients.
Regulatory Licensing Specialist
Fresenius Medical Care North America
08.2023 - 03.2026
Streamlined licensing processes to enhance compliance with regulatory requirements.
Conducted thorough reviews of applications, ensuring accuracy and completeness.
Developed training materials for new staff on licensing procedures and best practices.
Collaborated with cross-functional teams to resolve complex licensing issues efficiently.
Senior Mortgage Loan Officer (NMLS #1437803)
Castle & Cooke Mortgage LLC
06.2016 - 02.2025
Developed tailored mortgage products that met diverse client needs while enhancing profitability.
Guided clients through mortgage application processes, ensuring compliance with regulations and policies.
Implemented marketing strategies to expand client base and increase loan volume.
Conducted thorough pre-qualification analyses to match potential borrowers with appropriate loan products for their needs.
Analyzed loan applications and credit reports to determine loan eligibility and risk level.
Management and Program Analyst
Department of the Treasury - Internal Revenue Service
10.2005 - 07.2015
Analyzed program data to identify trends and recommend process improvements.
Led initiatives aimed at streamlining workflows, increasing operational efficiency across departments.
Monitored program performance against established benchmarks, taking corrective action as needed to realign with desired outcomes.
Coordinated training sessions to ensure staff proficiency in regulatory requirements and tools.
Implemented best practices for data analysis, improving accuracy of reporting outcomes.
Evaluated program effectiveness through qualitative and quantitative assessments, driving continuous improvement efforts.
Education
University of Pheonix
Skills
Loan origination expertise
Communication and interpersonal skills
Risk assessment
Credit analysis proficiency
Regulatory compliance
Conventional loans
FHA and VA loan expertise
Mortgage products
Loan processing efficiency
Residential mortgage lending regulations
Licensed mortgage loan originator
Problem-solving
Certification
Utah Mortgage License (06/2016 - Present)
Florida Mortgage License (08/2022 - Present)
Frontline Manager Graduate (FLRP)
Classroom Instructor Certified
Employee Relations/Labor Relations for Managers (ER/LR)
Managing Employees with Disabilities
Timeline
Senior Mortgage Loan Officer (NMLS #1437803)
All Western Mortgage Inc
02.2025 - Current
Regulatory Licensing Specialist
Fresenius Medical Care North America
08.2023 - 03.2026
Senior Mortgage Loan Officer (NMLS #1437803)
Castle & Cooke Mortgage LLC
06.2016 - 02.2025
Management and Program Analyst
Department of the Treasury - Internal Revenue Service