career objective                              

accomplished mortgage loan specialist with superior technical aptitude eager to contribute broad range of skills toward supporting the employer in optimizing operational and financial performance

profile                                                

ø  ability to thoroughly comprehend and apply complex processes and procedures

ø  experience in loaning industry included interviewing, analyzing, and evaluating applicants while providing outstanding customer service

ø  dynamic communication, presentation, negotiation, and relationship management skills

ø  proven record of organizational efficiency; consistently achieve critical deadlines

ø  effectively identify and capitalize on opportunities to penetrate and develop markets

professional experience                

ef mortgage, llc, portage, mi                                                                                                              8/05 c 2/06

loan officer

• accurately prepared and reviewed applications for commercial/consumer/mortgage loan requests from start to finish while acting within company policies and procedures
• monitored accounts through periodic reviews, continual analysis, and proper documentation
• facilitated client-focused, service-oriented environment vital to maximizing customer satisfaction and retention
• performed business development duties to expand customer base

 

hsbc finance corp. (d.b.a. hfc), kalamazoo, mi                                                                                  7/99 c 8/05 

loan compliance officer

• successfully reviewed loan requests and documentation to ensure compliance with state and federal laws and regulations as well as company lending policies and procedures; accuracy on loan packages, respa, and good-faith estimates ranged from 93% to 100%
• worked closely with nonaligned title personnel, appraisers, and closers through the company s i.r.e.p. program
• utilized knowledge of the home mortgage disclosure act (hmda)

account executive

• actively promoted financial and insurance products and services while providing excellent customer service
• collected and processed income documentation and information; ordered appraisals and title work payoff data; scheduled closings
• personally produced more than $500,000 in monthly loans on three separate occasions; selected to participate in elite loan compliance officer program

 

nbd bank (n.k.a. bank one), kalamazoo, mi                                                                                        5/98 c 7/99  loan officer

   performed full range of loan application services

   personally generated $1 million in loans in one month

 

barker real estate, battle creek , mi                                                                                                       6/97 c 1/98

real estate agent

• effectively assisted clients in buying and selling real estate
• developed solid listings base; examined and evaluated property in collaboration with appraisers
• placed advertisements and performed business development functions; wrote top quality useable contracts
• sold five homes in one month

education                                           

associates in information technology - anticipated august 2008, university of phoenix, online

coursework in accounting and business administration, kellogg community college, battle creek, mi

~ credentials/certifications~

credit life & health insurance license, 2005; tennessee real estate license, 1989; michigan real estate license, 1985

holloway s real estate institute, 1985

date

 

 

 

hiring agent name

title

company name

address

city/state/zip code

 

dear__________________:

 

i am currently seeking a challenging new career opportunity in a insert job title capacity and am submitting my resume for your review.  in advance, thank you for your time and consideration.

 

as demonstrated in the accompanying resume, my professional qualifications include numerous years of financial, business development, and customer service experience, including an extensive background in working with loan applications.  my dynamic communication skills have consistently proven instrumental in presenting, negotiating and closing high-revenue sales transactions and i am highly effective in identifying and addressing client-specific needs.  i have additionally completed significant academic studies toward a degree in information technology.

 

as an employee, you will find me to be a driven team player committed to supporting you in achieving your objectives through superior performance.  i am confident that i could be a valuable asset to your organization, and look forward to interviewing with you in the near future.

 

sincerely,

 

 

 

 

yyyyyy x. yyyyyy