Christopher Cole Email & Phone Number

Texas, United States

Manage a team of 18 processors that process Conventional FHA and VA loans.Responsible to handle any escalations that may occur in our 1000 loan pipeline Implement and oversee quality control measures to ensure SLA's are met acrossed the boardOperation origination system encompass

Addison Texas

LoanBeam the lending income software solutions for the lending and mortgage industry.Responsible for positioning the Loanbeam platform within the Mortgage and Banking sector. Working closely with executives and cross-functional teams to improve visibility, performance, communication and overall revenue by leveraging the loanbeam tool.Our LoanBeam's software is a sophisticated optical character recognition (OCR)technology. This software provides an automated income extraction and calculation. Meaning the software is able to calculate a borrower’s income directly from the borrower’s income documents. LoanBeam is perfect for self-employed borrowers. LoanBeam is a SAAS and Cloud based financial technology that I happily sell.

Greater Chicago Area

Front end Loan processor

Dallas/Fort Worth Area

Morgan Stanley Client Relationship Manager May 2017• Daily managing and facilitating of the pipeline and production of mortgage loans with internal partners and external clients• Satellite each loan from underwriting through decision process, assisting by trouble-shooting any obstacles presented, while providing timely updates and excellent customer service to all partners• Effectively communicate with the client, but specifically bankers, financial advisors to build strong relationships for, increasing the pipeline and closing loans• Coordinate, schedule and prepare all related closings, compiling the required documents from real estate brokers and bankers, and partnering with settlement agents for an overall positive experience• Assist clients with solutions for any pre-closing issues that may arise to ensure an accurate and timely closing date• Perform pipeline reports and updates for internal Operations partners and external clients• Identify relationship growth and or retention opportunities for relationships assigned• High-Net worth clients in NYC • Communicate updates on policies, procedures or guidelines to all business partners, as needed

Houston, Texas Area

 Processing 98% of New Home builder Purchase Loans Proficient In Conventional, FHA and VA loans Review file AU findings for initial determination and appropriate documentation Welcome call to our borrowers and advise of conditions needed Re-review documentation in file, input any changes into the computer systems and re-run for correct AU Determination Ensure that documentation and disclosing are all compliant with TRID and State specifics (such as intention to proceed, LE’s, CD’s, anti-predatory lending data base etc.) Order appraisals and Verification of employment Submit all files to Underwriter for Initial and final approval Review conditions when received from underwriting and send needs list to borrower Provide status of file to all parties (borrower & sales) When all conditions are received, make any changes necessary to the computer system and resubmit to the AU system Reconcile the Fee Summary Sheet Read updates and comply with all Quality Control policies Assist in the development of a Compliance Quality Control Plan Survey scores of 9.8 out of 10 on service and will referral scores

Houston, Texas

• Develop and implement sales management routines, sales practices and pipeline management for consumer lending products such as home equity and unsecured lines and loans.• Partner with Area and Division leadership to drive consumer lending sales through existing Personal Bankers, as well as providing one-on-one credit training for new hires• Work directly with bankers on managing their pipeline, including active participation in pipeline calls, to reduce time expired or withdrawn applications and push loans through to closing.• Ensure strong execution of all sales initiatives, including lead usage.• Work closely with the credit/risk team and Branches to facilitate loan closings, including pipeline management, loan escalations / appeals and advocacy, application quality and pricing issues• Ensure effective communication protocols between Personal Bankers, Underwriters, Processors and Customers to maximize bookings, manage cycle times, and improve client experience.• Enforce usage of key lending tools, such as Decision on Demand Process, Rate Calculator, and Debt Consolidation Tool to ensure high quality applications, customer needs are addressed, and customer expectations are clear

Lisle, Illinois

• Review new file within 48 hours of receipt and verify that compliance documents were issued within proper time frame. Notify the appropriate staff member if additional documentation or information is needed.• Ability to maintain a pipeline of 30 to 35 files and/or 3 to 5 loan originators.• Order all necessary documents to satisfy AU and/or product requirements from Loan Originator, customer or Vendor. • Track all requested documents in Encompass.• Review documentation received within 24 hours of receipt for discrepancies, omitted data, calculate verified income, verify assets and update Encompass based on verified information.• Immediately notify Loan Originator of any discrepancies on documentation. Loan Originator will determine necessary remedies. • Prepare loan for underwriting submission by utilizing investor's submission checklist.• Clear any approval or suspense conditions as outlined by the underwriter.• Ensure that all appropriate closing documentation is in the loan file (i.e. title documentation, home owners insurance, etc.). Documents are to be reviewed within 24 hours of receipt and communicated with Loan Originators.• Loans are to be processed to meet contract deadlines and rate lock expiration dates.• File to be given to closing department within timelines established by WMC.• Assist other processors, Underwriters and Closing departments as needed.• Respond to customer inquiries and other related parties on a transaction as needed.• Assist with the clearing of post closing exceptions received by investor to ensure WMC does not incur any financial loss.• Knowledge of current state's mortgage lending laws.• Order FHA and VA case numbers on government sites.• Possess knowledge of Real Estate compliance guidelines and ability to implement them.• Complete regulatory and compliance training, as required.Assists WMC employees and Departments as needed.

Houston Area, Texas

• Loan officers will interface with real estate professionals as well as other referral sources to generate customers looking to purchase a home or refinance an existing mortgage..• The loan officer will work with his/her processor to make sure the proper disclosures are generated and delivered in a timely manner to the consumer.• Loan officer will present loan options to the consumer and make recommendation on the best option based upon the consumer’s individual situation.• Work with processor, underwriter, and sales manager to ensure a smooth experience for the borrower and referral partner• Develop brand awareness for proficio mortgage ventures in the local real estate community

• Order and review title work, appraisals, flood determinations, insurance certifications and inspections.• Obtain pending information necessary to close files from customers and Loan Officers; follow-up on post-closing pending items.• Demonstrate understanding of debit and credit accounting as it relates to bank loan and deposit accounting.• Prepare loan documents according to deal structure (loan type, repayment terms, collateral) communicated by Loan Officer.• Assume administration of property insurance payments and tax escrows.• Work with bank in-house loan system, 3rd tax service company and internal loan system.• Prepare loan closing documents and construction draw requests. Pull credit reports from 3rd party vendor.• Make UCC-1 filings.• Answer phones and maintain file.

Chicago, Illinois

• Promote Chase brand, and promote Chase as the provider for lending and other financial solutions. This includes promoting Chase and its financial services to real estate agencies, builders, other referral sources, and customers.• Visit customers outside of the offices, with such visits to vary from HLS to HLS based on clientele, geography, market conditions, and other factors.• Work as a team with other Financial Center personnel.• Refer customers who seek financial services other than lending solutions to the appropriate professionals.• Partner with Operations teams to ensure the seamless transfer of the loan application in order to provide documents to the Processors and acquire any additional information needed by the Processors and/or Underwriters.• Work with Processors/Closers and customers to ensure the timely closing of the customer's loan.• Go outside to key referral relationships (Realtors, CPA's, Builders, etc). to drive mortgage business into the bank.

Chicago, Il

• Ensure the timely and accurate packaging of all loans originated by our loan officers.• Responsibilities include: Gather information and take each file from pre-approval to closing.• Input proper loan information into the system for processing. • Responsible for ensuring that all loan documentation is complete accurate verified and complies with company policy. • Verify loan documents including income credit appraisal and title insurance ultimately preparing application for submittal to underwriting. • Review file documentation and make sure all items needed are requested. • Order and coordinate loan documents. • Meet crucial deadlines requested. • Perform any additional duties/activities assigned by management.• The Mortgage Loan process• Mortgage loan Pre-Qualification• Application for the mortgage loan by the mortgage borrower• Mortgage loan processing and verification activities• Lender and mortgage insurance underwriting• Closing of the mortgage loan that follows the Pre-closing• Mortgage loan processing is the most important step in the mortgage loan approval process that decides whether or not the mortgage loan will be approved.• Review the credit reports of the mortgage buyer along with verifying the borrower's credit history in terms of debts and payments.• Verify credit history such as late payments, bankruptcy etc sends a notification to the borrower requesting for a written application. • Train staff to checks and verifies the entire package as given by the lender.• Training and recruiting all staff experienced and inexperienced for five years.