James M. Sentman Email & Phone Number

• Experience in sub-prime, prime and FHA guidelines. • Authority for income calculations, credit analysis and loan approval up to $200K in sub-prime and $417K in prime.• Responsible for independently conducting full and comprehensive evaluations of conforming and non-conforming mortgage loan applications to determine underwriting decisions and final course of action. • Used creative analytical skills to determine acceptable ways to approve mortgage loans, while ensuring compliance with state, federal, and company regulations and guidelines. • Elected by management to provide product and underwriting training to new or existing underwriters, sales, and operations teams.• Top 5 producer in prime output for loans wired.• 2-time winner of the Star Performer of the Month Award. • Top 10 in department every year of service in all department goals – funded units, time-in-process, approval rating, and quality assurance.• Service Star Awards for excellent customer service.

• Responsible for all aspects of sales, service, marketing and administrative duties.• Specialized in personal and mortgage loans and selling disability, life, and unemployment insurance.• Implemented strategies, evaluated progress, and made necessary adjustments to achieve branch goals.• Promptly promoted from Customer Service Representative based on excellent work performance. • Responsible for developing new business and maintaining existing accounts.• Interview and qualify applicants, research and analyze credit worthiness, and make loan decisions.• Responsible for cold calling, documenting and processing new loans.• Work with existing accounts to refinance or develop alternative payment plans.• Responsible for crediting customer payments and maintaining appropriate records for accounting and auditing purposes.• Heavily involved in insurance product sales seminars to maintain up-to-date information.