Gerald Gorham Jr Email & Phone Number

Washington, DC, US

Baltimore, Maryland, United States

• Demonstrates consistent excellence in loan origination, achieving a top-ranking position within the branch for loan production.
• Leads a team of junior loan officers, providing mentorship and training to enhance their sales and customer service skills.
• Advises clients on credit improvement strategies, resulting in an increase in loan approvals.
• Develops customized mortgage solutions tailored to clients' financial goals and needs.
• Fosters strong relationships with real estate agents, builders, and other industry partners
• Conducts regular workshops and seminars to educate potential homebuyers about mortgage options and the loan process.

Baltimore, Maryland, United States

• Originated and processed mortgage loans for a diverse clientele, consistently exceeding monthly targets
• Built and managed a strong referral network through proactive client outreach and relationship cultivation.
• Conducted thorough financial analysis, credit assessments, and qualifications for prospective borrowers.
• Collaborated with underwriting and processing teams to ensure seamless and timely loan approvals.
• Provided expert guidance to clients on mortgage products, interest rates, and repayment options.
• Stayed current with industry regulations, including RESPA, HMDA, and TILA, to ensure compliance.

Columbia, MD

• Spearheaded the interpretation and implementation of evolving policies, guidelines, and standards, including federal housing programs, investor directives, and private mortgage insurer guidelines.
• Oversaw the maintenance and accuracy of loan application data using advanced loan origination software (Core Logic, Doc Velocity) and SalesForce, ensuring seamless workflow efficiency.
• Strategically coordinated the ordering and thorough analysis of appraisals, title binders, deeds, surveys, and verifications, meticulously tracking outstanding documentation through proactive follow-up.
• Applied meticulous credit analysis to verify data, make guideline-based decisions, and ensure compliance with underwriting, investor, RESPA, and HMDA guidelines.
• Expertly evaluated income, assets, liabilities, and debt-to-income ratios to assess loan qualification viability.
• Maintained diligent oversight of disclosures, rates, and data integrity while upholding Federal, State, and Company standards.

Greenbelt, MD

• Expertly guided customers through credit repair strategies, showcasing a strong understanding of credit dynamics.
• Conducted thorough audits of asset, income, and tax documents, ensuring accuracy and compliance.
• Generated detailed pipeline reports for processing and underwriting units, facilitating efficient workflow management.
• Collaborated with cross-divisional teams to enhance communication and transactional alignment.
• Provided critical support in counseling and pre-qualifying potential homebuyers, demonstrating a deep knowledge of mortgage regulations.
• Acted as a go-to resource for evolving rules and regulations related to private and government-insured mortgages.

Hanover, Md United States Of

• Conducted comprehensive financial statement analyses to evaluate supplier financial health.
• Played a pivotal role in supplier vetting by providing audit support during the onboarding process.
• Orchestrated vital communication efforts with supply chain partners, fostering strong collaborative relationships.
• Demonstrated adept project management skills by efficiently handling supply chain activities across multiple MSP programs.
• Crafted insightful supplier performance scorecards for monthly review sessions.

Hanover, Md United States Of America

• Managed customer accounts, including invoice collections, adjustments, customer serviceand resolution of outstanding issues,
• Audited account specific reports to ensure accurate billing and client specific information,
• Served as a support liaison between field offices and other corporate departments,
• Gathered necessary data to assist management with account specific decisions,
• Reviewed agreement amendments/modifications and incorporated changes for correctcustomer support and billing,
• Assisted/supported fulfillment of contract deliverables, billing and cash collections,

Bachelor'S Degree, Accounting

Activities and Societies: Founder of "To Loud For Soicety" Mentoring Program, Vanguard Scholar, Community Service and Extracurricular.

Master Of Business Administration - Mba