Thomas Waters Email & Phone Number

United States

Charlotte, North Carolina, United States

United States

Offering refinance opportunities using the equity from a property to rid customer’s of very high interest credit card debt.

Charlotte, North Carolina Area

• Originate Mortgage loans to finance and refinance customers’ primary residence, 2nd home and investment properties.• Establish and leverage relationships with real estate agents, financial planners, insurance agents and referred clients to originate mortgage loans.• Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk.• Ensure mortgage loans close on time.• Exemplify strong sales and organizational skills.• Make certain my customers have a great customer service experience.

Charlotte, North Carolina Area

• Originate Mortgage loans to finance and refinance customers’ primary residence, 2nd home and investment properties.• Establish and leverage relationships with real estate agents, financial planners, insurance agents and referred clients to originate mortgage loans.• Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk.• Ensure mortgage loans close on time.• Exemplify strong sales and organizational skills.• Make certain my customers have a great customer service experience.

Charlotte, North Carolina Area

• Originated high quality loans that meet Wells Fargo Home Mortgage guidelines.• Built relationships with new customers, past customers and other nontraditional sources, while providing excellent customer service.• Exemplified strong sales and organizational skills.• Developed knowledge of company products, policies and procedures, and underwriting requirements.• Informed prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures.• Analyzed detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk.• Received customer applications, quotes rates and points, and complete follow-up activities with the registration lock-in.• Demonstrated excellent verbal and written communication skills.

• Reviewed financials of customers to determine work out plans finding the best execution to preserve value.• Implemented retention plans such as modifications, repayment and forbearance agreements to minimize loss to the investor.• Negotiated short sales and short payoffs making certain optimum profit for the investor is obtained.• Reviewed and analyzed title reports, credit reports and broker’s price opinions.• Prepared documentation to facilitate resolution with the customer.• Provided credit and budget counseling.• Answered phones in a call center environment.• Utilized Fidelity LPS to ensure servicer and investor reporting.

Bachelor Of Business Administration (B.S.B.A.), International Business, 3.5

Education record

Education record