Loan Officer Resume Sample
Emmy Lueilwitz
8453 Marilie Mount,
New York,
NY
+1 (555) 817 6624
Work Experience
Executive Loan Officer
04/2017
-
PRESENT
Chicago, IL
- Responsible for originating quality SBA loans through internal and external referral sources while supporting the bank’s overall Commercial Banking business plan
- Work with internal commercial, retail, and wealth management partners to provide the SBA product as a solution to meet the financing needs of prospects and existing clients
- Develop strategies to market the bank’s SBA product to small and medium sized businesses with financing needs generally from $250,000 to $10MM
- Participates in job specific training and various bank training programs to comply with BSA, AML and all bank policies and procedures as required
- Explain the characteristics and eligibility requirements of various loan programs and government guidelines in order to determine the appropriate loan programs that meet the customer’s financial needs
- Expert knowledge of the Bank’s operating, sales, and product documentation
- Keeps up with what competitors are doing by keeping up-to-date with changing rules, regulations and
- Support customers’ mortgage needs within the assigned branch(s)
- Exercises discretion and independent judgment in comparing and evaluating possible lending products as well as other Bank products that suit the customer’s financial situation. Originates the following types of mortgage products
Loan Officer
07/2010
-
10/2016
Dallas, TX
- Knowledge of personal computers, desktop underwriting and loan application software required
- As most business activities are conducted outside of the office, a valid driver's license, working vehicle and auto liability insurance are required
- Understanding and maintaining a thorough knowledge of various programs (FNMA/FHLMC, FHA/VA, etc.) and company products available. Enthusiastic participation in cross-selling of affiliate’s products is also required
- Continually meets and/or exceeds the Sales KPI’s set by Management for Productivity and QA
- Conduct interviews with prospective borrowers in order to analyze financial and credit information, determine customer financing objectives, advise customers of product/pricing policies and guidelines, and gather any additional required information to determined individuals’ readiness
- Review clients’ financial documents and other information provided to determine their overall financial health
- Assist clients in satisfying lenders’ documentation and communication requirements
- Serve as a representative of NWOC to promote the organization’s lending products
Junior Loan Officer
04/2005
-
01/2010
Boston, MA
- Input and upload loan applications on HomeStreet’s POS (Point of Sale) system, within company guidelines
- Complete preliminary analysis of loans using HomeStreet’s underwriting guidelines
- Review and analyze a customer's financial status, goals and needs, and recommend the appropriate loan product
- Excellent math skills, familiarity with basic pricing structures, rates and yields. Awareness of economic factors and their effect on loan terms
- Excellent communication skills, including phone, personal contact and written
- Resolve problems effectively with dissatisfied customers
- Work under high pressure deadlines with diplomacy
- Able to persuade customers, real estate agents, and attorneys in a professional manner
- Strong ability, desire and enjoyment in working with others as part of a team as well as work independently. Desire to serve and act in the best interest of the customer
Education
University of Phoenix - Las Vegas Campus
1999 - 2004
Bachelor's Degree in Business
Professional Skills
- Demonstrated PC/computer skills with solid understanding of MS Office and the ability to use the Bank’s loan origination system and other applicable mortgage applications
- Solid time management skills and the ability to organize prioritize and perform multiple tasks simultaneously. Enthusiasm for assignments and the ability to meet established timelines
- Strong computer navigation skills including typing skills
- Demonstrate a strong desire to satisfy one’s internal and external customers by displaying superior customer service skills
- Strong computer skills and experience using laptop technology
- Strong phone presence, listening and presentation skills
- Possess excellent organization and analytical skills
How to write Loan Officer Resume
Loan Officer role is responsible for customer, computer, mortgage, credit, lending, loan, microsoft, telephone, finance, interpersonal.
To write great resume for loan officer job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Loan Officer Resume
The section contact information is important in your loan officer resume. The recruiter has to be able to contact you ASAP if they like to offer you the job. This is why you need to provide your:
- First and last name
- Telephone number
Work Experience in Your Loan Officer Resume
The section work experience is an essential part of your loan officer resume. It’s the one thing the recruiter really cares about and pays the most attention to.
This section, however, is not just a list of your previous loan officer responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular loan officer position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Loan Officer resume experience can include:
- Strong interpersonal skills; previous customer service experience HIGHLY desired
- Appropriate computer skills including working knowledge of Microsoft Office, Outlook and other systems
- Good English communication skill (speaking & writing)
- Effectively manage and follow-up on leads generated through various Markeing Department efforts
- General office skills - ability to answer and coordinate telephone calls, take written messages and perform light bookkeeping
- Communicate effectively with all parties to the transaction
Education on a Loan Officer Resume
Make sure to make education a priority on your loan officer resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your loan officer experience. For example, if you have a Ph.D in Neuroscience and a Master's in the same sphere, just list your Ph.D. Besides the doctorate, Master’s degrees go next, followed by Bachelor’s and finally, Associate’s degree.
Additional details to include:
- School you graduated from
- Major/ minor
- Year of graduation
- Location of school
These are the four additional pieces of information you should mention when listing your education on your resume.
Professional Skills in Loan Officer Resume
When listing skills on your loan officer resume, remember always to be honest about your level of ability. Include the Skills section after experience.
Present the most important skills in your resume, there's a list of typical loan officer skills:
- Sales experience and Customer Service skills
- Superior customer service skills, strong attention to detail
- Effectively manage and complete multiple projects with varying levels of complexity and priority
- Excellent oral, written, listening and organizational skills
- Solid Microsoft Excel skills. Ability to analyze large data sets utilizing the features and functions of the program
- Experience that demonstrates proficiency in processing and closing first mortgage and equity loans
List of Typical Experience For a Loan Officer Resume
1
Experience For Loan Officer, CRE Resume
- Demonstrated knowledge and practical experience in applying credit risk principles to lending recommendations
- Develop and deepen the the company relationship with existing and new borrowers by enhancing/creating a positive customer experience overall
- Buy side experience as a commercial real estate loan officer on a national, life insurance company lending platform
- Work closely with all lending staff to assure excellent customer service
- Lending experience
- Sends all required paperwork to client and provides excellent customer service
- Mortgage Loan Origination or Loan Officer Assistance experience required
- Consumer credit underwriting experience
- Good business relations exist with members. Member’s problems or questions are courteously and promptly resolved
2
Experience For Junior Loan Officer Resume
- Good level of legal documentation knowledge & credit risk knowledge
- A strong ability to make outbound calls
- Following up with each and every lead, calling, scheduling and confirming appointments with borrowers
- Preparing potential borrowers before they come in to meet with the Branch Manager providing them with what they need to complete and bring to the meeting
- Representing and being the "face" of the Branch Manager’s team in a professional, outgoing and upbeat manner
3
Experience For Outside Loan Officer Resume
- Ongoing training and growth opportunities
- Collaborating with the Branch Manager and team to come up with new, creative, unique ideas for marketing campaigns
- Assisting the Branch Manager with putting together the Loan Application and completed file so the borrower can get their loan closed and purchase their home!
- Seeking Candidates that are fluent in Korean, Vietnamese, and Mandarin
- Communicating updates with borrowers and referral partners on the Branch Manager’s behalf
- Soliciting and originating Purchase loans via referrals generated from the branch realtor base
- Maintaining relationships with realtors
- Collecting borrower financial and credit information
- Coordinating signings and fundings with the help of processing
4
Experience For Wealth Management Loan Officer Resume
- Analyzing borrowers' financial information
- Work directly with SVP of Sales & Loan Originations and Sales Associate personnel on loan/deal analysis, structuring, packaging, pricing and borrower approval
- Stay current on new products available for customers, completing ongoing education for licensing and compliance
- Contribute to loan production goals by identifying lending opportunities and originating new loans upon referral from the business development team
- Qualify clients for new mortgage loans using automated underwriting systems (DU/LP)
- Developers, and sales calls on potential or existing customers in order to develop new business and/or retain existing business
5
Experience For Loan Officer, Affinity Resume
- Able to problem solve, by independently researching and assessing options and resources
- Takes complete and accurate loan applications resulting in quick approvals (and adoration from the processing staff!)
- Make a lot of money resulting in a happy family/exciting adventurous life
- Assists in developing and administering the SBA Loans
- Applies transaction-appropriate pricing in accordance with company guidelines and pricing policy
- +Processing Opening Demand Deposit Account (DDA), Loan Disbursement of Personal Loan, notification to customers included
6
Experience For Loan Officer Associate Resume
- Once originated, the loans are to be set up in the bank’s computer system and processed through to submission for underwriting (this includes maximum usage of Freddie Mac Prospector)
- Analyze customer’s credit and financial scenario, determine appropriate loan product(s), and obtain accurate Automated Underwriting System (AUS) findings
- Full benefits package including 401(k) and paid vacation & holidays
- Collect supporting documentation from borrower
- Inbound leads provided by the company from our existing portfolio of clients
- Collect pertinent information/documents from client to begin processing
- Increase knowledge of mortgage industry by completing all internal trainings timely
- Obtain industry required licensing and continued education (company sponsored)
7
Experience For Executive Loan Officer Resume
- Maintain annually all federal and state licensing requirements
- Executes a "Customer First" game plan Be a networking and referral machine
- Does the right thing by the customer EVERY TIME
- Meets loan production goals through proactive and responsive self sourcing and pipeline management activities
- Counsels new and existing borrowers on mortgage loan solutions via phone and/or face-to-face contact
- Recommends loan solutions and originates loans in accordance with company lending guidelines and customer satisfaction standards
8
Experience For Licensed Loan Officer Resume
- Makes sales calls on prospective borrowers, real estate agents, developers and other business partners to market the company’s financing solutions
- Represents the Bank at various networking functions to further the Bank’s reputation and reach in the community
- Follow up with leads and applicants to stay connected and keep the loan process moving forward
- Assist real estate agents with loan terms for drafting offers
- Manage the loan approval process from deal screening to loan approval
- Assist with the marketing and communication on closed transactions
- Participate in strategic planning and innovation process
9
Experience For Director Commercial Real Estate Loan Officer Resume
- Work potential rotating assignment 'hot seat' hours outside of 9am-5pm throughout each month
- On-site comprehensive training completely paid by Ditech
- Update the loan application with any missing data
- Communicate with borrowers or processing as needed/requested by LO or Division Manager
- Loan documentation and loan structuring, and financial analysis for public borrowers
- Principles and practices of budgeting and financial management
- Develop and extend crop loan input loan packages (extended credit programs) using interior and exterior services
- Analyze credit exposure on business accounts, recommend/determine reserves for bad debt, and develop monitoring systems and spreadsheets as needed
- An existing book of business with established relationships with local referral partners / networks
10
Experience For Real Estate Loan Officer Resume
- The ability to achieve branch and personal production goals through self-motivation and networking
- Quickly learn mortgage loan products (conventional, FHA/VA, construction lending and portfolio programs)
- Quickly learn mortgage procedures, documentation, and underwriting guidelines
- Develop marketing and business development plans to increase business
- Recommends loan solutions to existing firm's customers and/or perspective clients sourced through firm's strategic initiative platforms
- NMLS License & specific State license and bond requirements and required training
List of Typical Skills For a Loan Officer Resume
1
Skills For Loan Officer, CRE Resume
- Excellent written, verbal & interpersonal communication skills as well as
- Proficient reading, writing, grammar, and mathematics skills
- Educate staff on credit management, train staff on programs and provide instruction on loan servicing and collection skills
- Persuasive, selling communication skills but NOT obnoxious
- The ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences
- Exercise good judgment, demonstrate initiative, meet deadlines, and maintain poise under challenging circumstances
- Effectively communicate with others in a professional manner
- Over three year’s previous experience or demonstrated ability
- Strong computer background with 1 to 2 years experience in mortgage software
2
Skills For Junior Loan Officer Resume
- Proficient interpersonal relations, communicative, and sales skills
- Financial statement analysis skills - Ability to analyze balance sheets and income statements to assess financial performance and creditworthiness
- Lending and sales-culture environment experience
- Lending experience in a credit union, bank or finance company
- Skill in analytical thinking and critical thinking
- Home Equity or Mortgage Lending Experience
- Prior Bank related automotive financing desired
- Consumer underwriting experience
- Two years outside sales originating mortgage loans experience
3
Skills For Outside Loan Officer Resume
- CRA Retail Mortgage Lending Experience is Required
- Excellent benefits including
- Experience working on a power team
- An ability to prioritize multiple competing tasks
- Manage pipeline with good attention to detail
- Experience that includes a combination of governmental accounting/finance, loan origination, public finance, or business administration
- Recent mortgage origination experience
- Intermittent supervision required, depending on experience
4
Skills For Wealth Management Loan Officer Resume
- One (1) to Two (2) years of commercial and/or consumer underwriting and lending experience
- Experience making marketing presentations in front of groups
- Strong at communicating and relationship building
- CRA Mortgage Lending Experience is Required
- Sales & Marketing experience
- Proven success working in a results and metrics driven environment
- Two years' real estate lending industry experience required
5
Skills For Loan Officer, Affinity Resume
- Proven ability to originate Conventional, FHA, VA, USDA, and RD loans
- Experienced with current mortgage rules, regulations, compliance, and procedures
- Related experience to include
- One year of mortgage loan origination experience
- Three years' experience as Loan Officer/Financial Services Representative
6
Skills For Loan Officer Associate Resume
- Credit approval authorization, credit union, and finance company experience
- Approval authorization, credit union, and finance company experience
- Solid knowledge of title insurance,tax deferred exchanges, and real property law
- Strong advisory and customer service abilities
- Able to consistently demonstrate discipline and focus
- Demonstrated proficiency and expertise with personal computers and Microsoft applications (Outlook, Word, Excel, Access, and PowerPoint) or similar software
- Substantial experience required in business credit & debt service analysis
- Economic development/business development experience helpful
- Three years of significant origination experience in the consumer mortgage and home equity business
7
Skills For Executive Loan Officer Resume
- A current and active NMLS license which is maintained in good standings
- Experience in Sales Position or Sports/Greek affiliation in College
- Check out if borrower/lender KYC is valid and sanction issues or not. If sanction issued detected, to check out clearance status
- Assisting in coordinating marketing and training programs
- Maintaining knowledge of trends and developments in local real estate market as well as regulations concerning residential mortgage lending
- Providing service to Bank customers and prospective Bank customers seeking mortgage loans
- Ensuring compliance with Retail Mortgage Lending policies and procedures
- Understanding of bank operating policies and procedures that impact agriculture and commercial services
8
Skills For Licensed Loan Officer Resume
- Developing referral sources for mortgages through partnerships with retail branches
- Outgoing and friendly personality: makes friends easily!!
- Managing mortgage pipeline, assisting customers, inputting applications, and reviewing financial and credit data
- Confer with processing and underwriting to aid in resolving mortgage application problems
- Independently troubleshoot and resolve any conditions or issues that arise during the process, escalating issues when needed
- Implement marketing plans to capitalize on marketing opportunities within assigned trade territory
- Call on potential or existing customers to develop new business and increase or retain existing business
9
Skills For Director Commercial Real Estate Loan Officer Resume
- We take personal responsibility for completing tasks and solving problems
- General mortgage banking background, including knowledge of lock procedures
- Maintain flexible work schedule, including evening and weekend work
- Able to work in a demanding fast paced, team oriented setting
- Knowledgeable of the Uniform Commercial Code as it relates to lending, collateral and perfecting a security interest
- Exercises lending authority to correctly handle all loan requests, including but not limited to, consumer loans
- Help customers by answering questions; responding to requests
- Achieve proficiency in quoting and locking loans
- Orders marketing/networking materials as needed, i.e., flyers, food, gifts, etc
10
Skills For Real Estate Loan Officer Resume
- Conduct credit investigations and provide lending advice to locations, managers and sales staff
- Mitigate risk by reviewing CHS Capitol and other loan guarantees. Coordinate approvals on CHS guaranteed loans
- Administer and coordinate specially assigned extended credit programs to maximize sales while still managing risk appropriately
- Monitor accounts and perform collection calls and communication on an ongoing basis
- Ensure that locations are administering policies and procedures as directed
List of Typical Responsibilities For a Loan Officer Resume
1
Responsibilities For Loan Officer, CRE Resume
- Prior Mortgage origination experience
- Demonstrated working knowledge of forward mortgage products and guidelines including conforming, non conforming and government (FHA/VA)
- Valid driver’s license and current automobile liability insurance, if driving is required for business purposes
- Valid driver’s license within commutable distance (60 miles) to territory
- Experience in a sales-culture environment
- Proven track record of success in a sales or customer service oriented environment
- Reviewing loan documentation for accuracy before submitting to loan processing
- Engage in marketing and promotional activities in support of your own sales, including prospecting for new co-marketing affiliated partners
2
Responsibilities For Junior Loan Officer Resume
- Technical knowledge relating to mortgage banking compliance, FHA, VA, conventional and non-conforming guidelines required
- Learn and understand processing, underwriting and or closing procedures
- Completes loan contracts by explaining provisions to applicant; obtaining signatures and notarizations; collecting fees
- Work involves sitting, occasional walking, and lifting to 10 pounds. Requires close visual acuity. Normal office environment. Occasional travel
- Manage loan originator sales performance, motivation, scheduling, training, and administration of policies/procedures
- Call origination leads to generate interest in speaking with a Loan Officer regarding a potential mortgage loan
- Work with our Marketing department to create marketing materials for realtors- HLA sheets, cobranded flyers/postcards, broker opens
- Approves loans by issuing checks or forwarding applications to loan committee
3
Responsibilities For Outside Loan Officer Resume
- Helps customers by answering questions; responding to requests
- Advanced industry courses in real estate lending including knowledge of all applicable laws and regulations
- Intensive understanding of banking products especially loan and trade finance
- Market loan products and lending services offered by New Penn Financial, LLC
- Contact existing clients to maintain relationship as well as develop referrals and new business
- Ensure originations team is presenting loans at appropriate rate, amounts, terms that comply with NPF program guidelines
- Advise and assist in resolution of customer complaints concerning any area of the company
- Assist in training/development of loan officers to function in all aspects of the origination process
- Generate complete loan applications with corresponding documentation
4
Responsibilities For Wealth Management Loan Officer Resume
- Improve loan applications and documentation by informing applicant of additional requirements
- Advise the customer regarding the various mortgage loan products based on the customer’s individual needs
- Provide cash to closing information to NHC’s for Spotlight homes on a weekly basis
- Advise and recommend to the customer regarding the various mortgage loan products based on the customer’s individual needs
- Responsible for originating permanent loans on stabilized MF properties for the bank’s portfolio
- Collect and booking the agent fee
5
Responsibilities For Loan Officer, Affinity Resume
- Confirm the commitment and outstanding loan balances to the borrowers for their audit purpose
- Evaluates loan applications and documentation by confirming credit worthiness
- Improves loan applications and documentation by informing applicant of additional requirements
- Rejects loans by explaining deficiencies to applicants
- Maintains customer confidence by keeping loan information confidential
6
Responsibilities For Loan Officer Associate Resume
- Accomplishes bank mission by completing related results as needed
- Presents forward mortgages in accordance with all regulations and training and only takes calls in areas where licensed
- Meet with prospective clients at outside locations such as a client’s home
- Originate and maintain personal loan production
- Review sales pipeline on daily/monthly basis in order to achieve monthly sales goals
- Teach sales techniques in an environment with company provided leads
- Work with the Call Center Unit Manager to achieve team/department goals
7
Responsibilities For Executive Loan Officer Resume
- Maintain personal and team compliance with New Penn Financial Code of Conduct
- Recruit, interview and select loan originators
- Maintain a positive sales environment by educating potential borrowers, and Real Estate Agents on the Company’s products and services; create and deliver presentations weekly at office sales meetings and whenever necessary
- Analyze and pre-screen loan requests, structure financing to the lenders’ requirements, negotiate loan applications, prepare and present loan requests for approval by credit
- Responsible to represent PHH Home Loans in his/her local territory by developing and maintaining relationships primarily with ERA and Coldwell Banker Brokers and Realtors
- Consults with customers about their current and future needs to help them achieve their financing needs
- Responsible to collect and review all needed supporting loan documentation
- Responsible to originate and close quality loan volume, and increase capture rate through sales and marketing activities
8
Responsibilities For Licensed Loan Officer Resume
- Promotes our competitive mortgage products, services, and programs in his/her assigned real estate offices
- Responsible to regularly participate in activities in connection with mortgage sales, including but not limited to attend closings, open houses, and/or conduct PHH Home Loans’ seminars/trainings and other lead-generating activities
- Responsible to represent PHH Home Loans in his/her local territory by developing and maintaining relationships primarily with Coldwell Banker Brokers and Realtors
- Responsible to represent PHH Home Loans in his/her local territory by developing and maintaining relationships primarily with Coldwell Banker Residential Brokerage brokers and real estate agents
- Strong interpersonal and communication skills to promote business and referrals
- Exceptional communication and follow-up skills
- Self starter with strong work ethics
- Receives member’s applications for loans
9
Responsibilities For Director Commercial Real Estate Loan Officer Resume
- Understands Wanigas loan policies and procedures to ensure a member’s loan complies with policy and Board approved credit authority limits
- Maintains and projects the Credit Union’s professional reputation
- All share and loan functions are efficiently, effectively, and accurately performed in accordance with established policies, standards, and security procedures as related to Wanigas Loan Policy
- The Credit Union’s professional reputation is maintained and conveyed
- Provide Owners with the highest level of customer service possible. Be a point of contact for Owners that have not transmitted into the system and assist them promptly and thoroughly with any questions, concerns and/or reservation requests..
10
Responsibilities For Real Estate Loan Officer Resume
- Send disclosures with updated Needs list
- Get returned within 48 hours
- Own the communication with the real estate agent or referral source
- Meet production expectations of 3 units in monthly mortgage production
- Call company generated leads
- Maintain a positive sales environment by educating potential borrowers, and your Carolina One Real Estate Agents on the Company’s products and services; create and deliver presentations at weekly sales meeting
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