Mortgage Broker

Mortgage Broker — Premier Funding Group

Charlotte, NC | August 2023 – Present

• Structured 180+ conventional, FHA, and VA loan files annually using Encompass, ensuring adherence to Fannie Mae guidelines and raising loan pull-through rates by 19%.
• Cultivated strategic partnerships with 12 national wholesale lenders, expanding product offerings and saving residential clients an average of $2,400 in origination costs.
• Managed a residential loan pipeline of $28M in annual volume, maintaining an average file processing turnaround time of 21 days compared to the industry average of 35 days.
• Utilized Salesforce CRM to automate client updates, resulting in a 32% increase in repeat customer business and referral lead generation over a 12-month period.

Loan Officer — Apex Financial Services

Raleigh, NC | June 2021 – July 2023

• Evaluated 250+ applicant profiles, including tax returns and credit reports, using Calyx Point to assess borrower creditworthiness and loan viability.
• Collaborated with underwriter groups and title firms to resolve processing issues, accelerating transaction closure speeds by 18% for 95 home purchases.
• Guided first-time homebuyers through complex mortgage options, generating $15M in new loan volume and maintaining customer satisfaction ratings at 98% across 75 closed accounts.
• Analyzed local housing market trends to identify refinance opportunities, converting 45 standard leads into active applications during a 6-month campaign.

Loan origination, Underwriting guidelines, Conventional loans, FHA guidelines, VA loans, Risk assessment, Debt-to-income analysis, Calyx Point, Encompass, Optimal Blue, Salesforce CRM, Blend, Customer relationships, Wholesale lending

High-Volume Refinancing Campaign

Role: Lead Mortgage Broker

Tools: Encompass, Optimal Blue, Salesforce

Managed a refinancing marketing campaign that closed 65 loans in 90 days, increasing branch lending volume by 35% and saving clients $180,000 in interest.

Digital Lending Portal Integration

Role: Lead Implementation Agent

Tools: Blend, Calyx Point, Slack

Directed the migration of applicant submission procedures to a mobile-friendly portal, reducing application errors by 24% and processing times by 6 days.

• Licensed Mortgage Loan Originator (MLO) - NMLS #208754 (2021)
• Certified Mortgage Professional (CMP) (2023)

• Languages: English (Native), Spanish (Conversational)
• Volunteer Work: Led free financial literacy seminars for 120 low-income families (2022-present)
• Availability: 2 weeks notice