Develops referral relationships with realtors, builders, bankers, attorneys, insurance agents, friends, and family for the purpose of originating residential loans through ongoing sales efforts. Provides analysis of existing mortgage at no cost or commitment to determine if a rate and term or possibly cash out refinance would make sense to improve customer's financial outcome. Assists buyers in the financing to purchase a new home. Takes mortgage applications, conducts preliminary underwriting reviews, and submits loan applications to processing. Remains the front line contact with customers and realtors for follow-up documentation needed to approve and close loans. Deepens customer relationships by cross selling other bank products.

 Responsible for processing applications, analyzing financial data, conducting preliminary underwriting reviews and submitting supporting documentation Successfully cross-sell bank products such as home equity lines, checking, savings, credit cards and auto loans Maximizes and enhances volume opportunities by promoting competitive mortgage products, services and programs Consistently gaining knowledge of current underwriting requirements for Freddie Mac, Fannie Mae, FHA, VA, Mortgage Insurance and local bonding programs

 Thrived in a fast-paced telesales environment with proven success inachieving sales volume goals through the efficient management of resourceswhile providing superior service, productivity and quality Conducted timely follow-up calls on sales leads to aggressively sell Citi mortgage and home equity products and services Effectively applied consultative skills to clients on a regular basis and used analytical skills to accurately evaluate clients’ credit worthiness and eligibility Partnered with borrowers in an inbound and outbound call center environment, focusing on understanding the borrower’s intent with real estate property and to mitigate losses for the company Responsible for gathering relevant information in order to resolve defaults Responsible for the origination and closing of Home Equity and Mortgage Loans Consistently executed ongoing communication and relationship management with community through marketing, interpersonal management skills and exceptional customer service

 Responsible for communicating with borrowers, agents, processors, title companies, and insurance agents Converted paper applications to the origination software and followed up with leads Utilized resources from past experiences to obtain documentation on behalf of clients in order to satisfy loan conditions Provided innovative solutions for loans in jeopardy of being declined Created marketing material to promote products and services Generated loan volume and closed loans through sales and marketing activities Proven success in maximizing volume opportunities by promoting competitive mortgage products, services and programs

 Proven success in assisting clients with buying and selling residential property Consistently and effectively communicated with listing agent, title company, and insurance company to complete the sale Experience initiating offers, counter offers, and facilitating appraisal and inspections