Mortgage Loan Originator Resume Sample
Reagan Bartoletti
1094 Prohaska Union,
New York,
NY
+1 (555) 339 7269
Work Experience
VP, Mortgage Loan Originator
09/2017
-
PRESENT
Boston, MA
- Work closely with Operations’ partners to effectively manage a mortgage loan pipeline and expedite loan closings for customers
- Certifications and Licenses: Valid State Driver’s License
- Continually meets and/or exceeds the Sales KPI’s set by Management for Productivity and QA
- Analyze property appraisals for Investor compliance
- Work closely with Operations’ partners and Sales Management to effectively manage a mortgage loan pipeline and expedite loan closings for customers
- Conducts sales-related activities that enhance the Bank’s image in the local community and raise the public’s awareness of the Bank’s mortgage and banking products and services
- Branch Retail Executives (BREs)
- Mortgage Banking Officers (MBOs)
- Adheres to shift requirements. Actively seeks to develop self to next level (Executive Loan Advisor)
Mortgage Loan Originator
03/2015
-
06/2017
Boston, MA
- Conducts interviews with prospective borrowers in order to analyze financial and credit data, determine member financing objectives, advise members of product/pricing, and gather any additional required information
- Develops and maintains successful referral sources
- Actively participates in community functions and Credit Union-sponsored events to promote the Credit Union's objectives
- Provides complete loan applications to fulfillment center
- Ensures exceptional member service by overseeing the loan process from origination to closing, and conducts ongoing communication with members
- Achieves production goals as established by the Credit Union
- Ensures successful completion of all assigned training activities
Mortgage Loan Originator Assistant
12/2010
-
02/2015
Detroit, MI
- Continually meets and/or exceeds the Sales KPI’s set by Management for Productivity and QA. Certificates, Licenses, Registrations
- Establishes, develops and maintains positive relationships with branch employees and customers. Develops, maintains and monitors relationships with client referral sources such as realtors and brokers, builders, developers, financial advisors and other potential referral sources to generate mortgage leads with potential new or existing customers
- Attend/facilitate weekly branch huddles, monthly meetings with Regional Managers, branch managers, assistant branch managers and branch office coordinators
- Keeps informed on trends, changes and developments in the local real estate market
- Keeps up with what competitors are doing by keeping up-to-date with changing rules, regulations and guidelines from FHMA, FHLMC, FHA, and VA in addition to other investors and agencies
- Keeps informed of all origination, processing, appraisal, underwriting and closing requirements for both company and investor guidelines pertaining to both governments insured and privately insured mortgages
- Negotiates price, terms and conditions with mortgagors
- Writes sales reports, plans itineraries and engages in marketing and promotional activities in support of sales goals
- Stays current on a variety of different sales techniques though ongoing individual and company sponsored training including: Ignite Sales Training for Loan Officers and Product Training
Education
Argosy University - Salt Lake City Campus
2005 - 2009
Bachelor's Degree in Business
Professional Skills
- Demonstrated leadership skills and ability to effectively formulate, communicate, and drive a CRA-based production plan
- Resourcefulness and excellent problem-solving skills
- Strong analytical an organizational skills required
- High level of customer service and attention to detail; excellent communication skills
- A history of strong sales and negotiation skills
- Detail orientation with strong organizational and follow-through skills to meet frequent deadlines
- Advanced written, oral, interpersonal and negotiating skills with the ability to recognize and respond to sales opportunities and deliver sales presentations
How to write Mortgage Loan Originator Resume
Mortgage Loan Originator role is responsible for customer, interpersonal, software, government, mortgage, loan, reporting, retail, finance, credit.
To write great resume for mortgage loan originator job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Mortgage Loan Originator Resume
The section contact information is important in your mortgage loan originator 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 Mortgage Loan Originator Resume
The section work experience is an essential part of your mortgage loan originator 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 mortgage loan originator responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular mortgage loan originator position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Mortgage Loan Originator resume experience can include:
- Solid sales and relationship-building skills
- Solid experience and knowledge with Conventional and Government product lines
- Demonstrated understanding of mortgage products, services and guidelines necessary to generate real estate loans
- Previous experience in residential and mortgage lending functions
- Strong desire to excel in a competitive and exciting field
- Experience with Optimal Blue pricing engine
Education on a Mortgage Loan Originator Resume
Make sure to make education a priority on your mortgage loan originator resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your mortgage loan originator 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 Mortgage Loan Originator Resume
When listing skills on your mortgage loan originator 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 mortgage loan originator skills:
- Proven ability to deal effectively in customer relations and to cross sell bank accounts and services
- Demonstrated experience in initiating and managing projects and work across multiple departments and operational functions
- Communicate effectively across all procedural levels required
- Two years of mortgage lending experience with proven mortgage production
- Learns to recognize market opportunities, understand similarities & differences of competitors, and effectively communicate the Fifth Third value proposition
- Strong knowledge of Microsoft Word, Excel and Outlook; ability to learn and operate department/bank specific loan origination software
List of Typical Experience For a Mortgage Loan Originator Resume
1
Experience For Licensed Mortgage Loan Originator Resume
- Provides ongoing relationship servicing with current mortgage customers to maintain goodwill and gain additional business
- Provides ongoing relationship servicing with current employees to maintain goodwill and gain additional business
- Experience in the execution of sales, lending, and customer service strategies to generate loan production including self-generated sale
- Strong product knowledge and underwriting requirements for Conventional and Government (FHA, VA, USDA) mortgage programs
- Develop new business by contacting prospects or existing customers and cross-selling bank products via phone or via in person discussions
- Oversee loan process by monitoring loan status and ensuring conformity with terms
- Responsible for developing and maintaining business plan for growth of this business area
2
Experience For Nmls License Mortgage Loan Originator Resume
- Oversees timely closing and funding of loans
- Ensures completeness of loan documentation and oversees timely closing and funding of loans
- Manages a portfolio of mortgage loans, including delinquencies, renewals, refinances, modifications, and cross-sale opportunities
- Responsible for meeting sales volume and goals from internal and external referrals
- Responsible for meeting sales volume and goals from internal and external referrals.
3
Experience For CRA Mortgage Loan Originator Resume
- Inputs applicant information into the loan processing system by laptop and has appropriate disclosures signed by borrower
- Understand and remain educated on grant/subsidy programs available within market to ensure borrowers receive maximum funding
- Generates new business to assist in meeting established profitability goals
- Prepares and compiles mortgage application and information for processing of mortgage loan applications generated
- Responds to mortgage inquiries and requests regarding accounts from assigned branches
- Provides data to support marketing and sales promotion programs
- Generates new business to assist in meeting established CRA goals
- Networks with internal departments, employees, housing agencies, realtors, builders, and other referral sources to generate mortgage leads
4
Experience For VP, Mortgage Loan Originator Resume
- Development and administration of internal leads generated by website and marketing campaigns
- Responds to employee inquiries and requests regarding accounts
- Attend and participate in all training meetings as required by management. Initiate and maintain education on all legal and guideline changes
- Provide the processor with Investor guidelines when applicable
- Knowledge or MWB policy, procedures and products
- Continually meets and/or exceeds the Sales KPI’s set by Management for Productivity and QA. Certificates,
- Analyze, evaluate and interpret bank policies, federal regulations, and other technical information; generate and/or exceed targeted annual production volume; deliver top performance in a
- Begins to develop strategies, business plans, and marketing plans to drive sustainable business opportunities
5
Experience For Mortgage Loan Originator Assistant Resume
- Originates Community Reinvestment Act (CRA) loans in targeted assessment areas
- In partnership with experienced MLO, actively makes sales calls and begins to develop referral sources such as realtors, builders and financial centers to explain mortgage options that are available to their customers
- Maintain high levels of customer service while managing each applicantÆs and support staffÆs expectations
- Abundant mortgage experience in developing external business via referral partners in the market including but not limited to realtors, builders, and financial planners
- Knowledgeable on applicable computer software systems to include word processing, databases and spreadsheets
6
Experience For Bilingual Mortgage Loan Originator Resume
- Thoroughly knowledgeable of mortgage products and services offered
- Keeps up to date knowledge of real estate market trends
- Knowledgeable on agency and investor regulations and guidelines
- Holds applicable licenses, as required
- Handle referrals from each branch office and provide appropriate follow-up and feedback
- Solicit residential mortgage loans from a captive portfolio of refinance candidates
- Send, receive and review application and disclosure packages from borrowers
7
Experience For Mortgage Loan Originator Auburn Hills Resume
- Produce a management determined volume of captive refinance business
- Partner with operations teams to ensure the seamless transfer of file
- Monitor and update customer relationship management database
- Originate quality first mortgage loan which typically are to LMI borrowers, in LMI tracts, minority borrowers or in minority tracts
- Act as representative of Regions in the community by attending community meeting/events and providing training seminars to prospective homeowners regarding loan application procedures and mortgage products and services
- Strong product knowledge and underwriting requirements for Government (FHA, VA, USDA) and CRA specific mortgage programs
- Work with non-profit and government agencies to provide home buyer education and technical assistance
- Partner with CRA department to stay up to date on CRA regulations and opportunities
- Identify appropriate community groups throughout the community and establish a plan for making contact and establishing relationships in partnership with local community development officer
8
Experience For LMI / Lmict Mortgage Loan Originator Resume
- Provide input for the design of programs, participate in credit related training for consumers to gain knowledge within the community to maximize the benefits of mortgage loans and services
- Identify potential loan applicants through referrals and make sales calls as appropriate to provide prospects with information and loan product and to solicit mortgage loans
- Assist borrowers with the application process by providing direction in filling out forms and keeping applicant and Realtors informed using the 9 - point communication plan
- Consistently achieves monthly loan production volume as specified in the MLO Agreement
- Networks with assigned bank branches, internal departments, employees, local organizations/businesses, realtors, builders, and other referral sources to generate mortgage leads
- Evaluates needs of potential customers and offers appropriate mortgage products and services, or provides referral to appropriate specialist within the Bank
- Ensures completeness of loan documentation
- Promotes and cross-sells other bank products and services as appropriate to customer requirements
- Works directly with sales manager to assist with CRA loan initiatives in local market
9
Experience For Mortgage Loan Originator College Mall Resume
- Networks with community organizations, local business leaders, housing agencies, realtors, builders, and other referral sources to generate mortgage leads with focus on CRA products
- Responds to mortgage inquiries and requests regarding accounts
- Works directly with Community Development Operating Council to assist with CRA loan initiatives in local market
- Works closely with management team
- Promote and positively represent Howard Hanna Mortgage Services in the community
- Communicate and present mortgage products and services to employees
- Works directly with department manager to assist with CRA loan initiatives
10
Experience For Residential Mortgage Loan Originator Resume
- Profiles customers to determine lending needs, financial situation and credit standing to recommend appropriate mortgage product; meets or exceeds defined production objectives; generates and manages a robust pipeline of mortgage loan clients
- Enters applicant information into system and assists in the collection of required documentation for the bank to make sound credit decisions; works with department staff to ensure loans progress through the system in an efficient manner
- Develops business relationships with Centers of Influence (COI’s) outside the bank to increase loan volume; deploys prospecting strategies to identify and obtain mortgage loan and bank customers
- Provides timely and proper follow-up to the customer; exceeds customer service standards
- Generate leads for the origination of loans through the development and retention of referral contacts (realtors, builders, clients, attorneys, etc)
- Collect documentation from applicants and deliver loan package to Customer Care Reps or Processors and manage the loan pipeline for all originated loans through closing and funding while maintaining high levels of customer service providing information to all those involved in the loan process
- Maintain knowledge of available loan products, processing procedures, and underwriting and general departmental guideline as well as Company's policies and procedures
List of Typical Skills For a Mortgage Loan Originator Resume
1
Skills For Licensed Mortgage Loan Originator Resume
- Two years of experience in real estate lending required
- Experience originating residential mortgage and home equity loans in a call center environment
- Position typically requires 2 or more years of processing or origination of first mortgage loan experience
- Utilize good judgment and make sound decisions quickly
- The desire and ability to build and grow strong interpersonal and business relationships
2
Skills For Nmls License Mortgage Loan Originator Resume
- General working knowledge of Microsoft Word and Excel Applications
- Utilize the laptop for communication and access of daily rates, applicant credit reports, Loan
- Take complete loan applications to assess the proper mortgage loan for the customer. Demonstrates professional salesmanship skills and service expectations; builds customer confidence
- Approves or denies consumer loans within established mortgage lending guidelines per AUS once a complete application is generated. Documents decision analysis in the system of record (Encompass) and properly communicates with customers on next steps as appropriatecredit analysis
- Recommends other TCF products and refers to the appropriate area to best serve the customer’s needs. Leverages Regional Sales Manager as needed to properly assess the customer’s needs
- Demonstrates solid working knowledge of TCF internal policies and procedures such as processing denials, fees, escrows etc. Ability to navigate on-line manuals and operating systems
- Follows detailed scripting and process to ensure the customer experience is consistent every time. Is knowledgeable of the lending process, systems and guidelines to appropriately guide the customer
- Executes 75%+ in lock pull through and 80%+ pull through in submission to funding
- Informed on all services offered by the Bank
3
Skills For CRA Mortgage Loan Originator Resume
- Courtesy, tact, and diplomacy are essential elements of the job. Relate to others in an open and accepting manner; friendly and approachable. Sense how others feel; treat others with fairness, dignityand respect. Cultivate rapport with all persons encountered at work
- Working knowledge of credit structure and appropriate collateral; real estate loans and lending function, practices and procedures; state, federal and industry banking compliance regulations and guidelines
- Calling on prospective customers outside the office, which could involve extensive driving
- Extended viewing of computer screen
- Some travel required in local market area. Training travel required
- Registered with the Nationwide Mortgage Licensing System and Registry as a mortgage loan originator in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act (the "SAFE Act")
- Excellent interpersonal skills including oral and written communication skill, sales and customer relations skills
- Needs identification and problem solving
- Analysis of detailed financial information
4
Skills For VP, Mortgage Loan Originator Resume
- Knowledge of and ability to interpret real estate laws, regulations, policies and compliance
- Registration with the Nationwide Mortgage Licensed System (NMLS) or ability to be registered within 30 days of employment (pass nationwide fingerprint check)
- Maintain a positive attitude and professional image
- Counsel customers on all available products the customer is eligible for to ensure the product chosen best fits the customer’s financial needs
- Incumbents typically possess mortgage product knowledge, excellent telephone and written communication skills, computer skills, exposure to automated underwriting systems/credit scoring and attention to detail
- Operate in multiple technology application systems to include MS Word, Excel, Outlooks, Powerpoint, CRM systems, Loan Origination software, the internet and others
- Able to work structured hours
- Knowledge of FHA, VA, IHFA, and other Secondary market loans for mortgage loan origination
- Demonstrated ability to interact and cooperate with all company employees. Proactively establish and maintain effective working team relationships with all support departments
5
Skills For Mortgage Loan Originator Assistant Resume
- Proven success in a Retail mortgage sales position
- Utilize computer resources for communication and access of daily rates, applicant credit reports, loan information, and other job-related activities
- Represent both self and company in a professional manner
- Proactive and self-motivated demeanor
- Formal post-secondary education desired
- Strong working knowledge of or ability to quickly become fluent in the requirements of the Community Reinvestment Act (CRA), Fair Lending laws (including the Fair Housing Act, Equal Credit Opportunity Act, Home Mortgage Disclosure Act) and related regulations
6
Skills For Bilingual Mortgage Loan Originator Resume
- Excellent verbal, written, and interpersonal communication skills with the ability to communicate with executive management, regulatory officials, and community and government representatives
- Maintain and leverage a wide range of CRA-related contacts in the bank footprint including private, state and local government and community organizations
- Established and successful mortgage loan origination experience required, preferably in the Neenah market
- Established and successful mortgage loan origination experience required, preferably in the Berlin market
- Established and successful mortgage loan origination experience required, preferably in the Indianapolis market
- Established and successful mortgage loan origination experience required, preferably in the Terre Haute market
- Mortgage Sales experience
- Identify Emerging Market opportunities and implement strategy to fulfill CRA lending practices
7
Skills For Mortgage Loan Originator Auburn Hills Resume
- Maintain high levels of customer service while managing each applicant’s and support staff’s expectations
- Process residential loan applications according to established company and regulatory guidelines
- Utilize systems for maintaining product knowledge, register loans accurately and pipeline management
- Proficient in Microsoft Office suite, e.g. Excel, PowerPoint, Word, Outlook
- Position is required to travel
8
Skills For LMI / Lmict Mortgage Loan Originator Resume
- Working knowledge of underwriting requirements for FNMA, FHLMC, FHA, VA, local bonding programs, and private investors, as gained through on the job training or some real estate brokerage experience
- Three or more years of outside sales experience
- Basic knowledge of local, state and national laws (e.g., zoning ordinances, Truth-in Lending, RESPA, energy audit requirements, etc.)
- Have strong well developed interpersonal skills in order to maximize business contacts and develop a working relationship with current and potential residential real estate loan customers, regulators, and secondary market contacts, as well as effectively lead and motivate a staff of subordinates
- Have a thorough knowledge of custom construction lending, real estate lending policies and procedures as well as the Bank’s policies and procedures. Proven ability to deal effectively in customer relations and to sell and cross sell bank accounts and services
9
Skills For Mortgage Loan Originator College Mall Resume
- Good knowledge of real estate compliance
- Previous mortgage experience with heavy emphasis on customer contact
- Experience as a Mortgage Loan Officer
- Working knowledge of various mortgage regulatory guidelines (e.g. truth-in-lending, HMDA, RESPA, ECOA, FDPA, etc.)
- A high level of analytical ability to conduct residential real estate analysis and
- Organized, detail oriented and able to handle multiple tasks simultaneously
- Logically analyze situations, and make sound decisions
10
Skills For Residential Mortgage Loan Originator Resume
- Maintain knowledge of Fifth Third Mortgage Company’s policies and procedures
- Provide professional counsel to clients to understand the benefits of Old National Bank’s products and services
- Fluent in Spanish is a requirement
- Fluency in Spanish is a requirement
- Conduct outbound and inbound mortgage sales calls
List of Typical Responsibilities For a Mortgage Loan Originator Resume
1
Responsibilities For Licensed Mortgage Loan Originator Resume
- General functions: strives to fill-in, when possible, for the Mortgage Loan Originator when he/she is unavailable by assisting with answering the loan originator’s phone, returning calls, and attempting to find answers to the customers
- Related experience and working knowledge of loan origination in the mortgage industry and FNMA, FHA and Rural Development
- Sales experience required
- : Mortgage Sales
- Collaborate with senior management and the CRA Development Officer in furthering the organization’s commitment to being a meaningful and active participant in the communities in which the bank operates and act as an advocate for the bank in connection with identified community-focused service and lending opportunities
- Collaborate with the bank’s CRA Committee and CRA Development Officer on the Community Reinvestment Act strategic plan as it relates to residential mortgage production
- Engage in community networking in an effort to seek opportunities to partner with organizations to bring innovative and flexible financial solutions to meet the financial and credit needs of low- and moderate-income individuals, with a specific focus on residential mortgages
2
Responsibilities For Nmls License Mortgage Loan Originator Resume
- Liaise with local governments and community development organizations ensuring the bank’s presence is known and respected in the community. Build and manage a network of contacts within state and local government and community organizations
- Develop recommendations, presentations and reports for the CRA Committee with recommendations regarding potential direction for the mortgage channel. Develop close working relationships throughout the organization, including but not limited to the sales, business development and internal corporate teams
- Maintain up-to-date on CRA-related industry practices, and trends through attending training events and conferences
- Ensure UCMS staff is aware of and trained on CRA and fair lending requirements
- Document CRA activities and outreach efforts performed
- Stays current with
- Desire to lead
- Sales Skills: Ability to identify and uncover appropriate sales opportunities with probing techniques to discover needs. Experience in conveying lending knowledge confidently. Ability to offer comparisons and alternatives to competitor’s offerings. Identifies trends in the market place and suggests appropriate products and services to meet clients’ needs and objectives
- Participates in developing lending and deposit business for the company. Calls on clients to expand existing business. Calls on prospects seeking opportunities to expand the company’s client base. Actively engages in business development and civic initiatives with contacts throughout the community, including customers and prospective customers to achieve defined goals
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