Mortgage Advisor

Mortgage Advisor — Pinnacle Home Loans

Charlotte, NC | January 2024 – Present

• Managed an active residential loan pipeline exceeding $45M annually, coordinating directly with underwriters, processors, and title companies to close an average of 14 loan transactions per month.
• Originated conventional, FHA, VA, and jumbo purchase loans, reducing average application-to-close cycle times by 18% (from 38 to 31 days) through systematic Blend POS and Encompass utilization.
• Built relationships with 12 local real estate brokerages to establish a recurring referral network, increasing purchase loan application volume by 26% and generating $12M in new business over 18 months.
• Maintained a 98.4% client satisfaction rating across 240+ closed loans by delivering transparent, weekly pipeline updates and resolving structuring bottlenecks prior to underwriting submission.

Mortgage Loan Officer — Atlantic Mortgage Partners

Raleigh, NC | August 2020 – December 2023

• Processed and pre-qualified 400+ prospective homebuyers, assessing debt-to-income (DTI) ratios, tax returns, and credit reports to match clients with optimal conventional or government loan programs.
• Utilized Encompass LOS to manage loan files from initial intake through funding, improving application data entry accuracy by 15% and minimizing underwriting documentation requests by 22%.
• Negotiated loan structures and interest rate lock agreements with borrowers, closing $28M in total loan volume during a high-interest rate environment while maintaining a 92% retention rate.
• Completed bi-annual regulatory compliance training, ensuring 100% adherence to RESPA, TILA, and SAFE Act standards across all client files, resulting in zero compliance findings during internal audits.

Mortgage origination, Conventional loans, FHA loans, VA loans, Jumbo loans, Debt-to-income (DTI) assessment, Loan-to-value (LTV) calculation, Encompass LOS, Blend POS, Optimal Blue, Underwriting guidelines, TRID compliance, RESPA compliance, Client relationship management, Interest rate locking

Digital Point-of-Sale Integration

Role: Lead Advisor & Implementation Liaison

Tools: Blend POS, Encompass LOS, Slack

Led the pilot implementation of Blend POS for a team of 15 loan officers, decreasing application data-entry errors by 28% and shortening client onboarding by 4 days.

First-Time Homebuyer Outreach Program

Role: Program Developer & Speaker

Tools: Salesforce CRM, Canva, Zoom

Designed a series of digital mortgage education seminars targeting local renters, generating 48 pre-qualifications and closing $9.2M in new purchase volume over 6 months.

• National Mortgage Licensing System (NMLS) License (2020)
• Certified Mortgage Advisor (CMA) (2022)

• NMLS ID: 1982743
• Affiliations: Association of Independent Mortgage Experts (AIME)
• Availability: 2 weeks notice