• Cultivate and maintain referral networks from both internal and external sources. Foster strong relationships with realtors by delivering exceptional service.• Originate and promote Solutions Mortgage Community Lending Loans and Products.• Coordinate and support the mortgage department in the origination and servicing of products and services.

• Engaged and formed relationships with realtor partners and asked how I could help their business.• Worked with buyers to complete their loan application and gathered relevant documents to get their file approved.• Formed working relationships with other buyers and engaged conversations around their business needs; I.e. non-qm products vs conventional and government products?

• Find potential clients, individuals, or businesses who are in need of loans and cultivate their business.• Meet with loan candidates to explain options and answer questions.• Help clients through the process of applying for loans.• Analyze and verify loan applications to determine clients' creditworthiness.

• Analyzed business and consumer financial statements, individual credit reports, calculated cash flow and balance sheet ratios as appropriate, reviewed other relevant information, and recommended the credit decision and final sign off for conventional purchase and refinance loans. • Worked independently and identified potential risks and mitigating factors that could impact the customer's ability to repay the loan.• Consistently maintained focus and was aware of confidential information both from external and internal clients.

• Originate and close real estate mortgage loans that meet established guidelines.• Review customer's financial needs and answer questions on varying loan structures.• Establish and maintain positive relationships with realtors and other referral sources throughout the bank's lending market (including giving presentations and meeting realtors in person to help solidify relationships).

• Completes residential loan application file to verify that application data is complete and meets establishment standards, including type and amount of mortgage applied for including but not limited to borrower assets, liabilities, and length of employment. • Reviews financial and credit data, matching customer needs with an appropriate loan program and level of risk• Completes mortgage loan application and submits to the loan processing and underwriting departments• Follow up with customer in regards to their application, quote the rate and points, and complete follow-up activities with the registration lock-in• Work with customer to satisfy conditions once file is credit approved and work with the borrower and processing to get the file funded

• Completed mortgage applications for submission to the loan processing and underwriting departments• Evaluates loan requests, analyze financial data, and determines qualification of collateral and customer credit history• Maintains contact with loan customer, communicating progress of loan and obtaining any required documentation• Structures loan to comply with acceptable lending practices and Federal regulations• Establishes detailed marketing/business plan including names of potential and existing loan customers, realtors, builders, developers, etc and frequency of contact• Answers customer calls and walk- in customers to discuss various loan products and qualification information

• Worked with potential borrowers to complete a loan application along with requested conditions to bring loan to completion• Primarily worked with purchase and refinance world. Worked with FHA and VA loans. • Familiar with multiple systems in processing loans on a daily basis.• Work closely with Underwriters to get additional clarification or to request additional documents from the customer to arrive at a timely decision.

• Worked with Loan Officers, Loan Coordinators, Sales Manager and Underwriters to close loans in a timely manner.• Work within the FHA world and DE Underwriters and am familiar with VA and conventional processes. • Work directly with customers after credit decision has been determined. • Also work with HOI companies, title and closing offices, follow-up on appraisal amendments and with internal closing office. • Familiar with multiple systems in processing loans on a daily basis.

• Managed a monthly pipeline, worked to close loans on time. • Worked with potential borrowers to complete a loan application along with requested conditions to bring loan to completion• Primarily worked with purchase and refinance world. Worked with FHA and VA loans. • Familiar with multiple systems in processing loans on a daily basis.• Work closely with Underwriters to get additional clarification or to request additional documents from the customer to arrive at a timely decision.

• Recruited, trained and retained sales staff for big box retailer. • Worked with department supervisors to insure that company initiatives were being communicated for seasonal and or locally driven rollouts. • Worked with fellow managers to complete tasks and to maintain a sales environment that was being fed real time information to insure that store goals were achieved and to drive a customer centric environment where the sales staff communicated information in a concise and interactive format.

• Managed a monthly pipeline, worked to close loans on time. • Worked with potential borrowers to complete a loan application along with requested conditions to bring loan to completion• Primarily worked with purchase and refinance world. Worked with FHA and VA loans. • Familiar with multiple systems in processing loans on a daily basis.• Work closely with Underwriters to get additional clarification or to request additional documents from the customer to arrive at a timely decision.

• Maintained individual portfolio of over 100+ customers, implementing changes to their accounts by offering numerous services to cure the delinquent account.• Researched, reviewed and analyzed sensitive information critical to resolve company's demands to bring accounts current. • Highly involved in locating and communicating with the customer to find a successful resolution for the delinquent account.• Completed weekly and monthly assigned tasks from management along with recommendations for individual follow up. • Assessed customer’s intent and goals concerning their account, based off that interview would proceed with submitted recommendation along with paperwork to complete recommendation. • Collaborated with different offices within the company to determine the best program for the customer

• Maintained and worked to insure that all personnel files were accounted for and up to date on medical, financial and personal information. • Worked with three others administrative specialist and reported to superiors on status of records in regards to brigade personnel. • Selected Contributions: • Trained as an infantryman, provided security and transportation for company commander. • Assisted supply and administrative officers in their designated areas of responsibility when not working with company commander.