Summary
Overview
Work History
Education
Skills
Accomplishments
Affiliations
Certification
Timeline
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William D. Fields

William D. Fields

Granite Falls,NC

Summary

Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Expert handling of complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Talents for developing strong customer relationships by providing excellent service. Focus in seeking and maintaining a new full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.

Overview

13
13
years of professional experience
1
1
Certification

Work History

Executive Loan Officer II

Rocket Mortgage
02.2023 - Current
  • Build and maintain relationships with real estate agents, investment advisors, accountants, and other professionals, referral list of nearly 200 contacts and growing
  • Leverage established relationships to develop and maintain book of business that drives referral volume and revenue
  • Evaluate client financial status and documents including their credit, employment, income, assets, and property to ensure qualification for financing
  • Represent Rocket Mortgage brand throughout community in various civic and community functions to support business development initiatives and drive lead flow.
  • Developed strong relationships with customers through high levels of customer service.
  • Assisted customers in understanding loan terms and conditions to make informed decisions.
  • Originated, reviewed, processed, closed, and administered customer loan proposals.

Mortgage Consultant

Envoy Mortgage
10.2022 - 02.2023
  • Excellent customer service focused on product knowledge and continued contact with borrowers
  • Application completion, preliminary underwriting and loan submission with goal of pre-approval
  • Developed extensive network of referral partners to source new mortgage loan opportunities.

Mortgage Consultant – Purchase Retention

NewRez
04.2021 - 09.2022
  • Retail direct purchase-oriented sales
  • Boutique level of customer service that resulted in nearly $10MM in closing in a 12-month period
  • Application entry and pipeline management of 40+ files using proprietary loan software
  • Educate clients and evaluate their needs for Conventional, VA, FHA and USDA purchase and refinances.

Mortgage Loan Originator

Mutual of Omaha Mortgage
01.2021 - 04.2021
  • Retail direct customer sales through multiple lead sources
  • Average of 60+ sales calls daily using Velocify software
  • Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
  • Worked with underwriters to fix application problems and resolve issues.
  • Explained different types of loans pertaining to client situations

Mortgage Loan Originator

Reliable Mortgages Inc
02.2020 - 01.2021
  • Complete loan applications using Smart 1003 software with prospective buyers for residential home purchases and refinances
  • Develop relationships with real estate agents and affiliates to generate referral opportunities
  • Lender loan submission using propriety software as well as Encompass and Desktop Underwriter
  • Work with 20+ lenders to close conventional, FHA, VA and non-QM loan applications
  • Collected all required documentation and counseling of borrowers through entire loan process.

Credit Analyst III

BHG Financial
08.2010 - 11.2019
  • Processed over 9,500 applications at BHG; with total approved amount over $500MM and under 24 hours turn times achieved by focus on speed and hassle-free lending
  • Worked with sales staff to fund loans totaling more than $250MM
  • Signing authority with no review needed for loan amounts up to $500K
  • Average approval amount of $106K, under 1% margin of error for data entry and 56% pull through on approvals issued
  • Credit Department Team II Leader during times of high volume to assist credit department to meet deadlines on time
  • Underwrote practice acquisitions loans for independent purchases and for Aspen Dental franchise programs
  • Worked with high income borrowers on routine basis, some former clients have stared on television programs including Married to Medicine, Dr
  • 90210; and physician's that have been featured on news networks as correspondents and experts
  • Review of financial information consisting of tax returns, credit reports, buy/sell agreements, and business statements
  • Interview applicants, office managers and tax preparers to obtain required information; over 1000 interviews conducted
  • Final quality control review of completed files of lower-level analysts prior to loan funding
  • Verify proof of payments for escrow releases and update all documents accordingly for loan placement
  • Assisted with development of internal loan underwriting and placement software.
  • Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
  • Analyzed credit scores to determine borrowers' creditworthiness.

Education

Associate of Arts - Social Sciences

SUNY Onondaga
Syracuse, New York
05.2016

Skills

  • Advanced sales ability
  • Understanding of local, state, and national laws (TILA, RESPA, etc)
  • Business development and lead generation experience
  • Working knowledge of underwriting guidelines for multiple programs and lenders
  • Excellent verbal and written communication skills
  • Expert skills in financial statement/tax return/credit report review
  • Independent worker
  • Organizational Strengths
  • Financial Analysis Aptitude
  • Lender Collaboration
  • Document Analysis

Accomplishments

  • United States Coast Guard Auxiliary – Staff Officer
  • Operational Auxiliarist (AUXOP) status with OS government security clearance
  • Individual qualifications as a Vessel Examiner and Program Visitor

Affiliations

Granite Falls Town Planning Board

Caldwell Chamber of Commerce – Ambassador Committee

Blowing Rock Chamber of Commerce

Caldwell County Dangerous Dog Board – Board Member

Granite Falls Merchants Association

Catawba Valley Association of Realtors member – Hospitality Committee Member

Certification

Mortgage Loan Officer NMLS# 1932506

Timeline

Executive Loan Officer II

Rocket Mortgage
02.2023 - Current

Mortgage Consultant

Envoy Mortgage
10.2022 - 02.2023

Mortgage Consultant – Purchase Retention

NewRez
04.2021 - 09.2022

Mortgage Loan Originator

Mutual of Omaha Mortgage
01.2021 - 04.2021

Mortgage Loan Originator

Reliable Mortgages Inc
02.2020 - 01.2021

Credit Analyst III

BHG Financial
08.2010 - 11.2019

Associate of Arts - Social Sciences

SUNY Onondaga

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William D. Fields