Mortgage Loan Officer

Mortgage Loan Officer — Piedmont Home Loans

Charlotte, NC | January 2023 – Present

• Originated and structured $48.5M in residential mortgage volume over a 24-month period, specializing in FHA, VA, and conventional lending options for first-time buyers.
• Established referral partnerships with 18 local real estate agents, generating a consistent monthly pipeline of 12-15 pre-qualification requests and improving capture rate by 22%.
• Maintained a 98.4% customer satisfaction rating on post-closing surveys by implementing automated milestone alerts, reducing client-inbound status inquiries by 40%.
• Reduced average loan processing cycle times from 34 days to 26 days by optimizing borrower documentation intake workflows and resolving underwriting conditions within 24 hours.

Loan Officer Associate — Summit Federal Credit Union

Raleigh, NC | June 2020 – December 2022

• Managed a portfolio of 120+ active loan files, ensuring compliance with Fannie Mae, Freddie Mac, and internal underwriting guidelines to maintain a zero-defect audit rate.
• Evaluated credit reports, tax returns, and asset statements for 250+ applicants, structuring loan files to secure approvals for 91% of credit-qualifying borrowers.
• Generated $18.2M in annual residential loan originations through cold-outreach campaigns, community seminars, and collaborative builder partnership initiatives.
• Implemented a CRM-driven follow-up system for pre-approved but inactive borrowers, converting 15% of stagnant leads into closed mortgage transactions within 90 days.

Mortgage loan origination, FHA lending, VA lending, Conventional loans, Jumbo loans, Underwriting guidelines, Debt-to-income (DTI) analysis, Loan-to-value (LTV) calculation, Encompass LOS, Optimal Blue, Desktop Underwriter (DU), Loan Product Advisor (LPA), NMLS compliance, Referral relationship management, Client onboarding, Credit analysis, Financial statement review

First-Time Homebuyer Seminar Initiative

Role: Lead Originator & Coordinator

Tools: Encompass, HubSpot CRM, Zoom, Canva

Designed and hosted 12 educational seminars attracting 300+ attendees, converting 45 participants into active pre-qualifications and generating $11.4M in closed loan volume.

Lending Workflow Automation Project

Role: Liaison & Beta Tester

Tools: Encompass, Optimal Blue, Salesforce

Coordinated with IT to integrate credit-pull automation into the borrower portal, reducing initial application intake time by 15 minutes per client.

• Licensed Mortgage Loan Originator (NMLS #1987654) (2020)
• Certified Mortgage Planning Specialist (CMPS) (2023)

• Affiliations: Active Member of the Mortgage Bankers Association (MBA)
• Languages: English (Native), Spanish (Conversational)
• Availability: 2 weeks notice