Top Loan Officer Skills

Below we've compiled a list of the most important skills for a Loan Officer. We ranked the top skills based on the percentage of Loan Officer resumes they appeared on. For example, 13.7% of Loan Officer resumes contained Financial Status as a skill. Let's find out what skills a Loan Officer actually needs in order to be successful in the workplace.

The six most common skills found on Loan Officer resumes in 2020. Read below to see the full list.

1. Financial Status

high Demand
Here's how Financial Status is used in Loan Officer jobs:
  • Provide in-depth analysis of applicants' financial status credit history and property assessments to determine feasibility of approving and granting loans.
  • Analyzed applicants' financial status, credit reports and property evaluation so manager could determine feasibility of granting loans.
  • Reviewed financial information reported, determined financial status and ability to pay, according to established guidelines and practices.
  • Analyzed applicant financial status, credit, and property evaluation to determine qualifications for mortgage products and programs.
  • Analyze applicants financial status, to determine feasibility of granting loan and submit applications to database for verification.
  • Requested and gathered necessary documentation to assess overall financial status; analyzed credit to select optimal loan programs.
  • Collected applicants' financial documents and analyzed financial status to determine if applicants qualified for loans.
  • Analyze applicants financial status and goals to determine credit feasibility and provide loan product recommendations.
  • Assessed overall financial status, analyzed credit and property valuations to select optimal loan programs.
  • Interviewed loan applicants, and recommended loan approval through analysis of applicants financial status.
  • Analyzed applicants' financial status, credit, and property appraisals to determine eligibility.
  • Analyzed customer financial status, credit history and other information to determine loan eligibility.
  • Obtained required documentation from clients and analyzed details of financial status for evaluation.
  • Analyze applicant financial status and credit profile in order to recommend appropriate mortgage program
  • Identify and qualify potential borrowers, including certification of borrower's financial status.
  • Analyzed client financial status and credit worthiness to determine feasibility of loan qualification.
  • Analyze member's financial status and credit evaluation to determine loan feasibility.
  • Analyzed applicants' financial status to determine feasibility of obtaining loans.
  • Conduct detailed analyses of applicant financial status to determine credit worthiness.
  • Analyzed clients financial status and creditworthiness to ensure mortgage loan approval.

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2. Loan Applications

high Demand
Here's how Loan Applications is used in Loan Officer jobs:
  • Completed mortgage applications using point of sale technology, conducted preliminary underwriting reviews, and submitted loan applications to processing.
  • Reviewed and analyzed the application for accuracy, completeness, and supporting documents for both paper and electronic loan applications.
  • Conducted quality assurance reviews to identify potential problems with loan applications and arrived at workable solutions prior to submission.
  • Evaluated loan applications for risks and various criteria such as investor requirements, accuracy, consistency and completeness.
  • Take mortgage applications using laptop technology, conduct preliminary underwriting reviews, and submit loan applications to processing.
  • Evaluated loan applications and supporting materials, determined credit worthiness and qualifications for various loan programs.
  • Researched/Explored loan applications and determined/identified the preferred loan program for each applicant based on required criteria.
  • Initiated loan applications and assisted in credit decisions in conjunction with the company underwriting software.
  • Originated mortgage loans, counseled customers, submitted loan applications to processing and underwriting approval.
  • Improved loan applications for underwriters by documenting and communicating potential deficiencies in the application.
  • Reviewed loan applications and collected necessary documents to complete files for lender submission.
  • Address business client financial needs by assessing project eligibility and packaging loan applications.
  • Originated loan applications, gathered information, communicated with customers and their contacts.
  • Performed credit evaluations and reviewed loan applications per lender guidelines for approvals.
  • Evaluated credit worthiness by processing loan applications and documentation within specified limits.
  • Reviewed and screened loan applications received for completeness and accuracy before processing.
  • Process loan applications for customers seeking residential mortgages for purchases and refinances.
  • Solicited loan applications, verified, assessed and compiled all applicable documentation.
  • Processed loan applications, reviewed, investigated and provided incomplete information.
  • Facilitated approval-using knowledge of residential loan applications for processing and underwriting.

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3. Loan Portfolio

high Demand
Here's how Loan Portfolio is used in Loan Officer jobs:
  • Developed and managed a continually increasing loan portfolio of approximately $3.5 million from loan application through loan management.
  • Managed day-to-day responsibilities for servicing an ever-growing consumer loan portfolio; formulated and executed strategies for potential loan problems.
  • Identified, initiated, and negotiated strategic community partnerships to increase business while maintaining a robust loan portfolio.
  • Required active business development, administering loan portfolios and meeting goals and objectives as set by senior management.
  • Reviewed and determined financial strength of loans and overall quality of Bank's loan portfolio through financial statement analysis
  • Administered government and conventional related transactions such as: FHA/VA contracts on Purchases/Refinancing residential and commercial loan portfolios.
  • Collected and maintained accurate data and documentation to facilitate speedy processing and integrity of loan portfolio.
  • Increased Loan Portfolio Reduced Late Payment accounts Skills Used Financial Analysis Skills Computer Skills Collections Knowledge Gained
  • Cultivate loan sales through development of client relationships/service strategies to increase loan portfolio and branch profitability.
  • Constructed and analyzed financial data to prudently recommend and coordinate the appropriate loan portfolio servicing.
  • Managed and serviced loan portfolio, responsible for operating Sacramento retail division call center operation.
  • Developed and managed loan portfolio of 600k to minimize loan loss while maximizing profitability.
  • Helped develop business loan portfolio and performed credit analysis/loan review on majority of credits.
  • Gained extensive experience with loan portfolio management, regulatory reporting, and compliance.
  • Appraised and inventoried agricultural equipment and land as part of loan portfolio management.
  • Supervised loan processors to service pending loan portfolio through completion with accuracy.
  • Cultivated loan portfolio resulting in increased referral business from existing client relationships.
  • Major Functions: Exercise overall management responsibility for expanding mortgage loan portfolio.
  • Created mortgage loan portfolio by developing business contacts; attracting mortgage customers.
  • Developed loan portfolio that helped meet company quantity & quality objectives.

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4. Credit Reports

high Demand
Here's how Credit Reports is used in Loan Officer jobs:
  • Performed loan underwriting for industry-leading financial services company using proprietary research tools, credit reports, and automated underwriting systems.
  • Evaluated customer credit reports and income documents quickly to assess customer qualifications and determine which products best suited borrower needs.
  • Assessed institutional risk by reviewing credit reports, and analyzing tax returns and backgrounds of shareholders requesting financial products.
  • Executed loan originator process, including ordering credit reports and appraisals, determined appropriate rate locks, issuance of disclosures
  • Gathered, reviewed and evaluated financial documentation including tax returns, credit reports, and financial statements.
  • Complete application while complying with lending guidelines, analyzing credit reports judgments/liens to determine credit worthiness.
  • Obtain and evaluate consumer credit reports and asset/liability information to determine eligibility for loan programs.
  • Screened applicants by analyzing credit reports, calculating debt and income and reviewing income documentation.
  • Utilize automated processing software to input information from client applications and generate individual credit reports.
  • Interview loan applicants while gathering required information such as credit reports and employer verification.
  • Requested and obtained all required documentation, credit reports and cleanup if necessary.
  • Analyzed credit reports and overall customer financial situation and recommended appropriate loan programs.
  • Evaluated credit reports with borrowers and provided budget based credit counseling.
  • Reviewed credit reports and submitted customer information for approval.
  • Analyzed credit reports and counseled borrowers regarding re-establishing credit.
  • Processed income documentation, ordered appraisals and credit reports.
  • Audited customer applications, credit reports and supporting documentation.
  • Pulled and reviewed credit reports and analyzed income statements.
  • Prepared complete applications pulled and graded credit reports.
  • Evaluated credit reports and income documentations of customers.

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5. Customer Service

high Demand
Here's how Customer Service is used in Loan Officer jobs:
  • Cultivated client relationships for new business and client retention complimented by exceptional customer service skills and follow through.
  • Provided exceptional customer service by maintaining thorough knowledge of lending programs, guidelines, and regulatory requirements.
  • Commended for specializing in exceptional customer service by understanding customer needs, and offering solutions.
  • Provide superior customer service and consulting clients with cost-benefit analysis and knowledge of mortgage products.
  • Maintained a high level of customer service, offering flexibility and resourcefulness to all clients
  • Generated and preserved borrower relationships through executing all responsibilities and high quality customer service.
  • Delegated responsibilities to staff and provided training; ensured excellent customer service satisfaction.
  • Develop personal business through strong referral base earned by providing exceptional customer service.
  • Interviewed applicants and provided quality customer service to these customers throughout loan process.
  • Provided superior customer service and build lasting relationships with customers for repeat business.
  • Maintain compliance with government regulations while providing excellent customer service and processing refinances.
  • Contributed to achievement of branch business objectives by providing outstanding customer service.
  • Perform bank reconciliations, Provide various customer service and problem resolutions.
  • Trained and mentored new loan officers and modeled customer service methodologies.
  • Partnered with real estate business professionals in giving world-class customer service.
  • Provided excellent customer service and knowledge of company regulations and procedures.
  • Provided personalized customer service for both indirect and face-to-face financial clients.
  • Offered excellent customer service via professional telecommunications and in person appointments.
  • Develop and retain business relationships by providing exceptional customer service.
  • Maintained strong business relationships and consistently provided excellent customer service.

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6. Real Estate

high Demand
Here's how Real Estate is used in Loan Officer jobs:
  • Marketed real estate services creating sales pipeline opportunities while providing quality customer experience, ensuring client satisfaction and increasing referral business.
  • Created referral business through canvassing real estate offices and hosting marketing presentations and educational programs for agents.
  • Participate in community events and real estate industry functions to identify, develop and promote additional business.
  • Originated Real Estate secured and unsecured loans through telemarketing, face-to-face presentations new and prior customers.
  • Monitored marketing campaign involving licensed real estate brokers, lending institutions, and prospective clients
  • Networked with Real Estate professionals and participated in community programs for more referral business.
  • Developed other referral business sources- including real estate agents and local professionals.
  • Developed a real estate investment seminar that I presented throughout Central California.
  • Originated real estate secured loans by developing relationships with retail customers.
  • Originated real estate secured loans for customers via aggressive marketing campaigns.
  • Developed key relationships with real estate agents for future business and referrals
  • Developed community outreach program for independent real estate sales market.
  • Established relationships with local real estate professional to develop relationships.
  • Procured pipeline by networking with real estate professionals and attorneys.
  • Processed disaster real estate and personal property loan applications.
  • Developed, processed and managed real estate developer portfolio.
  • Coordinated financing for open-house real estate developments.
  • Originated residential real estate purchases and refinances.
  • Established partnerships with numerous real estate professionals.
  • Promote California based Real Estate/Mortgage company.

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7. FHA

high Demand
Here's how FHA is used in Loan Officer jobs:
  • Originated conventional and FHA/VA residential mortgage loans to qualified customers to meet established loan quality and production goals.
  • Originated, processed and warehoused FHA/VA/VHDA/Fixed Rate residential loans.
  • Originated conventional and FHA business.
  • Originate, support underwriting staff and close FHA, State Bond Programs, Conventional, and In-house non-conforming residential mortgage loans.
  • Managed, processed, and generated sales of Conventional, FHA, line of credits, and variables of mortgage programs.
  • Maintain understanding of loan programs within guidelines of KHC, RHS, VA, FHA, Jumbo and Conventional residential mortgages.
  • Originated residential mortgage loans including: FHA, VA, USDA, Conventional, Utah Housing, and 2nd mortgage loans.
  • Originated loans and refinanced home mortgages (conventional, FHA, VA, non-conventional), second homes and investment properties.
  • Access to over 150 lenders who are underwriting for traditional Fannie/Freddie May, FHA, VA, Hard money commercial loans.
  • Researched and created a bulk mailing data base for over millions FHA and VA homeowner's in Philadelphia and surrounding counties.
  • Originated FHA, VA, Conventional and Bond home loans with full understanding of product guidelines and continuously changing loan programs.
  • Originate residential mortgage loans in call center environment, specializing in the FHA Reverse Mortgage platform as well as conventional loans.
  • Qualified customers' needs and abilities to meet guidelines under Conventional and Government programs including FHA, VA and MHDC.
  • Originated, structured and sold conventional, FHA VA, HARP and Jumbo real estate purchase and refinance loans.
  • Generate and cultivate potential customers targeting FHA, VA & First Time Home Buyers in bank's CRA radius.
  • Assisted Loan Officers in marketing loan refinancing options to customers with FHA, VA & Conventional home mortgage loans.
  • Interviewed and recommended programs based on client needs including FHA, VA, Conventional, jumbo and USDA programs.
  • Attended Open House events to introduce new products based on FHA, VA, Conventional and Non-traditional mortgage products.
  • Originate home loans for both purchase and refinance, specializing in FHA, VA and Conventional 1st mortgage loans.
  • Originated fixed and adjustable rate conforming mortgages, jumbo loans, as well as FHA and VA government loans.

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8. Financial Statements

high Demand
Here's how Financial Statements is used in Loan Officer jobs:
  • Compiled and provided financial statements, planning, financial education and consumer awareness to military personnel, active duty and retired.
  • Compiled loan applicants' credit histories, financial statements, and any other applicable financial information to accurately determine their eligibility.
  • Evaluate credit worthiness of applicants by analyzing financial statements, credit reports and applicable debt ratios to determine repayment ability.
  • Analyzed financial statements, performed checks to determine creditworthiness of customers; created debt consolidation awareness & reduced debt burden.
  • Reviewed and spread financial statements to conduct analysis in preparation for underwriting and covenant compliance tracking for existing customers.
  • Demonstrated highly developed skill set calculating income, analyzing financial statements, setting up and submitting accurate loan files.
  • Interviewed applicants, requested specific information for loan application, compiled financial statements and balance sheets and recorded data.
  • Interviewed customers through phone and in-person, referencing applications, credit reports, financial statements and legal documentation.
  • Collected all supporting documentation as required, credit histories, corporate financial statements, and other financial information.
  • Selected information, including company financial statements and balance sheets, and recorded data to determine regulatory compliance.
  • Reviewed and analyzed borrowers income documents, tax returns, financial statements for preliminary approval or denial.
  • Analyzed financial statements for validity of information and financial strength of customers at regional bank holding company.
  • Provided consumer and real estate loans and services by analyzing and investigating credit history and financial statements.
  • Gained proficiency in evaluating business and personal financial statements to properly evaluate credit worthiness of prospective clients.
  • Analyzed commercial credits and commented on financial performance through analysis of financial statements and tax returns.
  • Analyze commercial and consumer credit history, perform ratio analysis, and evaluate financial statements.
  • Examined credit status, investigated financial statements, and analyzed the applicant's repayment viability.
  • Determined creditworthiness of applicants by analyzing tax information, financial statements, and credit reports.
  • Experienced with creating and analyzing financial statements and their utilization for informational and underwriting purposes.
  • Assigned risk ratings after analyzing financial statements, determining cash flow, and collateral documentation

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9. Property Evaluations

high Demand
Here's how Property Evaluations is used in Loan Officer jobs:
  • Analyze applicants' financial status, credit worthiness, and property evaluations to determine appropriate loan product eligibility.
  • Analyze customer's financial status, approve credit applications, and conduct property evaluations to determine loan eligibility.
  • Analyzed customers financial statuses, credit and property evaluations to determine the feasibility of refinancing/and or purchase options.
  • Analyze applicant's financial status, credit and property evaluations to determine feasibility for granting modification programs.
  • Analyzed employment status, credit worthiness, and property evaluations to determine feasibility of loan approval.
  • Analyzed applicants' credit histories, financial status and property evaluations to determine credit worthiness.
  • Analyze the client's applications, credit history and property evaluations to determine eligibility.
  • Analyze credit and property evaluations to determine feasibility of granting credit.
  • Analyzed applicants' financial status/credit/property evaluations to determine loan feasibility.
  • Analyzed client's financial status, credit and property evaluations to determine the feasibility and risks associated with granting loans.
  • Analyzed applicants' financial status, credit, and property evaluations to determine compliance with NFCU standards before issuing funds/credit.
  • Qualify and sell mortgage loans to prospective borrowers * Analyze applicants financial status, credit and property evaluations.
  • Analyzed applicants financial status, credit, and property evaluations to determine which loan was better for them.
  • Analyzed borrowers financial status, credit, and property evaluations to determine feasibility of granting a home loan.
  • Analyzed applicants financial status, credit and property evaluations to determine loan program best fitting the borrower.
  • Analyzed applicant's financial status, credit and property evaluations to determine loan type and services available.
  • Analyze applicant's financial, credit, and property evaluations to determine appropriate mortgage products and terms.
  • Analyzed applicants' financial status, credit & property evaluations to decide feasibility of loans.
  • Analyze customers' credit profile and property evaluations to determine loan risk for credit decisions.
  • Analyze applicant's financial status, credit, and property evaluations for loan feasibility.

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10. New Clients

high Demand
Here's how New Clients is used in Loan Officer jobs:
  • Continued Canvassing the Designated Impacted areas Small Business Community and providing Information and Training Seminars for Potential New Clients.
  • Developed leads and solicited new clients while further developing established client relationships.
  • Developed business through bringing in new clients utilizing dealer relationship.
  • Created and developed individual relationships with existing and new clients.
  • Verified accuracy and executed ownership documents with new clients.
  • Solicited new clients and facilitated new loan applications.
  • Solicited new clients via telemarketing and door-door canvassing.
  • Identified a housing target group and designed a promotional campaign that increased new clients by 17 percent in the target group.
  • Secured loan applications from new clients Gather, followed up and processed loan documentation and information needed to complete loan applications.
  • Create and implement innovative marketing strategies to obtain new clients; deliver presentations promoting benefits; and build solid industry relationships.
  • Assist existing clients and new clients on mortgage question for purchase and refinance personal or commercial loans quoting rates, payments.
  • Set up meetings with new clients for new deals and assuring all accurate documents were provided to internal and external customers.
  • Marketed the business to potential new clients and obtained new business for the company by seeking clients with home loan needs.
  • Recruited new clients for refinancing on residential loans Completed applications for existing clients Used a profile log in system for new clients
  • Drive revenue for the firm through new client acquisition, consistently generating new clients, while progressively shortening the sales cycle.
  • Prepared and typed over 25 monthly residential loan applications under federal insured loan programs documents and correspondence for new clients.
  • Prospect for new clients and educate the client on all options available to them to best fit their mortgage needs.
  • Worked with branch personnel to educate, council, and uncover opportunities to deepen relationships with current and new clients.
  • Work hand-in-hand with branch managers, personal bankers and bank partners by introducing new clients to them for additional services.
  • Work hand-in-hand with bankers, meeting with their customers and introducing new clients to bankers for additional products and services.

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11. Credit Options

high Demand
Here's how Credit Options is used in Loan Officer jobs:
  • Determined appropriate rate locks and issuance of disclosures after educating customers on the variety of loan products and available credit options.
  • Introduce customers to various types of loan products offered; enlighten clients regarding credit options available and terms of services provided.
  • Marketed the different types of loans and credit options that are available, as well as the terms of those services.
  • Meet with applicants and explain different types of loans and credit options that are available, as well as terms.
  • Contacted potential customers to explain & advise of different types of loans & credit options available for residential property refinancing.
  • Explained to customer's different types of loans and credit options available Reviewed and updated credit and loan files.
  • Accept and post payments* Explain to customer the different type of loans and credit options* File paperwork with appropriate details
  • Educated customers on loan and credit options that are available, as well as the terms of those services.
  • Worked with customers and discussed various loan and credit options available to them, and explained terms of service.
  • Explained to client all products of the bank and credit options available including terms and conditions of those services.
  • Explained different types of loans and credit options that were available, as well as terms of services.
  • Educated clients, and trained new trainees on the variety of loan products and available credit options.
  • Evaluate credit and financial status, educate customers on loans, credit options and ensure regulatory compliance.
  • Explained the different types of loans to the homeowners and what credit options were available to them.
  • Explain to customers the different types of loans and credit options that are available along with terms.
  • Discussed available loans and credit options with members, as well as the terms of those services.
  • Assisted seniors loan officers by explaining to clients different types of loans and credit options during meetings.
  • Explained to customers the loan and credit options available as well as the terms of those services.
  • Assisted borrowers with property purchases and refinances; advised on loans, credit options and terms.
  • Meet with applicants to compile loan information and explain different types of loans & credit options.

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12. Different Types

high Demand
Here's how Different Types is used in Loan Officer jobs:
  • Explained to customers the different types of loans that are available, as well as the terms of those services.
  • Utilized data mining tools to identify portfolio retention database pattern behavior on payments and defaults for different types of loans.
  • Explain to customers the different types of loans that they qualify for, as well as the terms.
  • Explained in a clear and concise manner the different types of loans available and the advantages to each.
  • Educated and provided the customer with the different types of loans available to meet their financial needs.
  • Explained the different types of loans, the credit requirements and other restrictions associated with the loan.
  • Assessed customer needs, explored options, and introduced different types of loans based on each client.
  • Provided high levels of customer service by explaining to customers the different types of mortgage options.
  • Explain to costumers the different types of loan products available, according to their financial profile.
  • Traveled to customer's homes and explained and offered customers different types of loan programs.
  • Process loans and inform customer of documentation is need for different types of loans.
  • Follow through with clients about the different types of loans and credit terms available.
  • Explained the different types of programs that are available and affordable to them.
  • Explain different types of loans and the terms of each one to applicants.
  • Consulted clients in the different types of loan programs offered to customers.
  • Handled all different types of loans from new construction purchases to refinancing.
  • Placed and processed 1st mortgage applications for different types of clients.
  • Educate prospective borrower about different types of loan products available.
  • Explain to consumers the different types of loans available.
  • Worked with clients to secure different types of loans.

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13. Borrowers

high Demand
Here's how Borrowers is used in Loan Officer jobs:
  • Leveraged strong understanding of residential mortgage lending practices and real estate market knowledge to facilitate assistance to borrowers with loan selection.
  • Qualified potential borrowers interested in refinancing or purchasing residential property by analyzing credit history, income, assets, etc.
  • Listened actively and attentively to carefully evaluate the borrowers emotional vulnerability and always use integrity in decision making.
  • Provided borrowers with information and explanation of loan programs for which they meet prepared mortgage documentation for borrower.
  • Communicated with future borrowers in multiple states expressing new mortgage opportunities and the financial benefits of refinancing.
  • Review financial condition and underwriting of proposed borrowers to conclude a lending decision through proper approval authorities.
  • Prospected for qualified borrowers to originate residential mortgages in an inside and outside sales position.
  • Carried out financial statement analysis of applicant, co-borrowers and business to study repayment capacity.
  • Interacted with loan borrowers, developing relationships and trust to facilitate successful mortgage refinances.
  • Provided pertinent information to borrowers about loan options, required documents and contacts.
  • Analyzed borrowers financial situations to ensure best loan program and possibility of approval.
  • Secured residential mortgage financing for borrowers in need of purchase and refinance transactions.
  • Interpreted guidelines and economic indicators to advise borrowers on which direction to move.
  • Advised borrowers of lock-in policy and ensured lock requests were completed accurately.
  • Provide information to borrowers and related parties regarding loan options, documentations.
  • Created and maintained relationships with satisfied borrowers to build long lasting relationships.
  • Developed relationships with current and new borrowers to promote continuous business.
  • Service and develop existing portfolio while providing financial counseling to borrowers.
  • Reviewed and reconciled financial and collateral information submitted by the borrowers.
  • Maintained communication with borrowers on a daily basis regarding loan status.

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14. Title Companies

high Demand
Here's how Title Companies is used in Loan Officer jobs:
  • Established working relationships with various title companies to assure efficient closing and encourage referrals and repeat business.
  • Obtained required documentation for approval and coordinated closings with attorneys and title companies.
  • Collaborated with processors and title companies to ensure complete customer satisfaction.
  • Maintained customer/lender/title companies' correspondence via fax and e-mail.
  • Develop strong relationship with key players, including loan processors, appraisers, real estate agents, and local title companies.
  • Worked closely with the borrower, title companies, underwriters, real estate agents, notaries, insurance agents, etc.
  • Expedited loan processes by efficiently networking key players, including internal / external loan processors, appraisers and local title companies.
  • Assisted in increasing loan volume to 20 loans per month, generating substantial business from various title companies and mortgage companies.
  • Interacted and coordinated daily and weekly with title companies and finance professionals, following through on all phases of the transactions.
  • Worked with title companies, appraisers, underwriters, attorney's, to obtain all documents necessary for finalizing loan.
  • Ordered title and appraisals from vendors, submitted loans to lenders and set up closing with customers and title companies.
  • Performed financial networking with future clients and businesses including different mortgage companies, credit score companies, and title companies.
  • Coordinate with all related parties (title companies, escrow, and real estate agents) for a smooth transaction.
  • Ensured all files were complete prior to underwriting hand-off and coordinated effectively with title companies to ensure smooth closings.
  • Forged strategic alliances with external entities of loan processing including real estate companies, title companies and lending institutions.
  • Worked directly with customers, real estate agents, and title companies to achieve smooth and structured loan closings.
  • Worked with Company Reps, Appraisers, Attorneys, and Title Companies to ensure timely closings of their mortgages.
  • Interacted closely with branch and staff personnel, title companies, escrow companies and customers on a daily basis.
  • Worked with Underwriters, Appraisers, Real Estate Agents and Title companies to ensure closing was completed on time.
  • Follow up and coordinate closing with members, appraisers, title companies, escrow companies, and notary services.

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15. New Accounts

average Demand
Here's how New Accounts is used in Loan Officer jobs:
  • Opened new accounts for customers Cross Selling of Products Created positive customer experiences Managed collections through liquidation
  • Supervised customer service operations, audited new accounts and provided recommendations for general improvements.
  • Develop new accounts while simultaneously maintaining current accounts and ensuring quality customer service.
  • Established new accounts, certificates of deposit accounts and individual retirement accounts.
  • Developed Marketing tools to score new accounts including partaking in media advertising.
  • Expanded existing client relationships and generated new accounts.
  • Originated new accounts within the assigned territory.
  • Solicited new accounts for residential mortgages.
  • Performed support and clerical duties including opening new accounts, establishing IRA's, issuing ATM/VISA check cards and member inquiries/transfers.
  • Demonstrated sales ability and customer service orientation to service existing and new accounts; colleagues, clients and other related professionals.
  • Opened new accounts; processed and disbursed all paperwork for loans, lines of credit, and credit card accounts.
  • Traveled at a moment's notice to fill in whether on teller line, new accounts or as a loan officer
  • Performed all duties in branch, vault teller, assisted in supervising 8 branch employees including all New Accounts daily.
  • Supported the marketing department in discussing mortgage opportunities to establish new accounts with state agencies, corporations and businesses.
  • Assist members with the completion of payroll deduction/direct deposit forms, open new accounts, places check orders.
  • Worked as a teller, collections, new accounts, and the loan department during my college days.
  • Demonstrated the ability to acquire new accounts by effectively providing clients with multiple solutions for their refinancing needs.
  • Generated new accounts using advertising schedules and referral programs and managed account pipeline through secure, lender websites.
  • Opened new accounts, IRA's and all other investment accounts as well as all types of loans.
  • Managed and cultivated new accounts for checking accounts, saving accounts & investment referral for the investment reps.

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16. Phone Calls

average Demand
Here's how Phone Calls is used in Loan Officer jobs:
  • Solicited loan applications through outbound telephone calls completing credit applications, recommending financial solutions and assisted customers through the loan process.
  • Major Contributions: R Successfully sold products to potential borrowers through outbound telephone calls while providing continuous and exceptional customer service.
  • Answered telephone calls and provided information for customers.
  • Receive and screen a mid-level of internal and external communications, including e-mail, phone calls, mail, and texts.
  • Initial contact with customers, greets all office visitors, and answers incoming telephone calls in a friendly and professional manner.
  • Coached a team of 4 marketing professionals to make 150+ outbound phone calls to prospects that have inquired about home refinancing.
  • Take and enter payments* Set up new loan paperwork;* Customer service at all levels (phone calls, etc)
  • Call center and office/ customer service duties such as taking phone calls, answering questions, and building relationships with customers.
  • Performed multiple office tasks including customer service, issue checks, data entry, appraisals, phone calls, light cleaning.
  • Placed outbound and received in-bound telephone calls, prospected for and provided information to those seeking to re-finance their homes.
  • Marketed and solicited new prospects by mail, email, and phone calls to solicit new prospects and increase productivity.
  • Cover phone duty three times a month on incoming phone calls from current banking customers as well as new customers.
  • Answered new customers phone calls (call center environment), assisted them in determining their credit and financial needs.
  • Assigned to large call-center; processed minimum of 36 telephone calls per day from applicants seeking 1st and 2nd mortgages.
  • Assisted members with cashing checks, conversion of international currency and all account inquiries in person or via phone calls.
  • Received a computer printout of delinquent loans, and pursued collections through mailings, phone calls, and engaging attorneys.
  • Assist members in the completion of credit application and other related questions, answer telephone calls, schedule appointment.
  • Prospected clients through phone calls, scheduled appointments, mailings, and set up a center of influence networks.
  • Gained new clients through various marketing campaigns, including mailings, direct contact, and outbound phone calls.
  • Schedule appointments for maintenance, backup to receptionist during lunch, and during overload of telephone calls.

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17. Loan Agreements

average Demand
Here's how Loan Agreements is used in Loan Officer jobs:
  • Process payday loan agreements - Verify customer data for qualification - Collect on insufficient funds accounts - Provide excellent customer service
  • Reviewed loan agreements to guarantee accuracy and completeness; submitted applications to credit analysts for verification and recommendation.
  • Assumed responsibility as the approving officer ensuring accuracy of signed loan agreements according to ECU policy.
  • Reviewed loan agreements to ensure completion and accuracy according to policy.
  • Reviewed loan agreements for accuracy in accordance with company policy.
  • Review loan agreements for accuracy and completeness.
  • Worked closely to review active loans to ensure compliance to loan agreements, while watching pipeline to track deals in progress.
  • Reviewed loan agreements to ensure that they were complete, accurate, and in-line with company and regulatory policies and requirements.
  • Looked carefully into customer's previous loan records to more accurately assure customers be in compliance with loan agreements.
  • Reviewed loan agreements to ensure they were accurate and complete according to the company's policy and the law.
  • Review loan agreements to ensure that they are complete and accurate and in compliance to all federal regulations.
  • Analyze the loan agreements and make sure that they are complete and accurate according to the policy.
  • Approved loan and ensured loan agreements are complete and accurate and the client understands the loan.
  • Research and negotiate interest rates for customers in order to finalize and close out loan agreements.
  • Review collateral documentation, including Property Deeds, Loan Agreements, Insurance and Tax compliance.
  • Verified loan agreements were complete, accurate, and in compliance with mortgage industry standards.
  • Review loan agreements, compute payment schedule, and answer questions pertaining the loan process.
  • Reviewed loan agreements, and credit and loan files to ensure accuracy, and completeness.
  • Reviewed loan agreements to ensure they are complete and accurate as per the company policy.
  • Negotiated interest rate and closing costs of loan agreements over the phone and in person.

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18. Financial Needs

average Demand
Here's how Financial Needs is used in Loan Officer jobs:
  • Determined financial needs/credit solution recommendations.
  • Utilized profiling techniques to uncover customer s current and future financial needs that resulted in increased customer satisfaction.
  • Probed to uncover customer's financial needs and goals to develop appropriate recommendations utilizing solution based sales techniques.
  • Responded to customer inquiries by assisting them in determining their financial needs and recommended appropriate credit solutions.
  • Manage escalated issues from borrowers and evaluate customer s financial needs to make appropriate recommendations.
  • Assist existing customers with refinancing mortgage loans based on individual consultations to determine financial needs.
  • Determined financial needs of customers and offered appropriate products in a goal-oriented atmosphere.
  • Interfaced with internal and external customers to discover financial needs and provide product recommendations
  • Understand and connect with Spanish Speaking individuals to assess financial needs within Multi-Cultural Markets
  • Assisted customers in determining financial needs and recommended tailored solutions to individual situations.
  • Communicated with borrowers in determining financial needs and recommended appropriate credit solutions.
  • Established relationship and evaluated customer s financial needs to determine mortgage qualifications.
  • Assisted customers in determining financial needs and recommendations on appropriate mortgage decisions.
  • Assisted customers in determining financial needs and advocated tailored credit solutions.
  • Interviewed clients and gathered information pertaining to financial needs and objectives.
  • Aided customers in determining financial needs and suggested appropriate credit solutions.
  • Cultivated trust through client advocacy regarding specific financial needs.
  • Interview applicants to develop information concerning their financial needs.
  • Interview applicants to collect financial needs information and objectives.
  • Work directly with a diverse nationwide customer base to structure loans to achieve their personal financial needs while maintaining strict confidentiality.

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19. Loan Origination

average Demand
Here's how Loan Origination is used in Loan Officer jobs:
  • Managed the entire life cycle of residential mortgages from application to closing with responsibility for loan origination, underwriting and servicing.
  • Develop business relationships for loan origination purposes with builders/developers and real estate brokers in a specific retail market or geographic region.
  • Assisted mortgage processors and underwriters in loan origination/approval process while maintaining company standards of excellence achieving Personal and Company Goals.
  • Experienced in sales techniques with extensive knowledge in loan origination from conventional financing to special financing.
  • Performed all loan origination functions from borrow qualification through loan processing, underwriting and mortgage settlement.
  • Full accountability for loan origination, underwriting and servicing, successfully cultivating an intensely-loyal customer base.
  • Performed loan origination and analysis for first and second mortgages that included conforming and non-conforming programs.
  • Originated prospect's loan application; entered loan applications into Calyx Point loan origination software.
  • Developed loan origination process for compliance with Federal OTS regulations including disclosure and reporting forms.
  • Developed new cold-calling techniques and other loan origination strategies with emphasis on promoting awareness before lending
  • Facilitated loan origination, regulatory compliance, credit evaluation and full client ~ institution interface
  • Documented transaction on Calyx Point loan origination software to track process with underwriter.
  • Performed teller operations, consumer loan origination, collections, and indirect auto lending
  • Conducted extensive business development activities in order to promote key loan origination activities.
  • Managed a start-up office for Southern California for retail mortgage loan origination.
  • Executed all aspects of loan origination, including lead generation and qualification.
  • Provided lead generation, loan origination services in association with Austin-area brokers.
  • Generated millions of dollars in mortgage loan origination for telephone-based private lending company
  • Coordinated loan origination process from application intake, property assessment and closing.
  • Assisted with loan origination and completion of loan application and associated paperwork.

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20. Sales Goals

average Demand
Here's how Sales Goals is used in Loan Officer jobs:
  • Surpassed sales goals and achieved consistent growth resulting from relationship development, process improvement, dynamic marketing and quality service delivery.
  • Facilitated ongoing communication with clients; successfully accomplished sales goals and received various sales awards for achievement.
  • Support Branch Manager in achieving business plan and sales goals by ensuring outstanding operational and administrative control.
  • Demonstrated effective organization and self-discipline; including time management as well as setting and achieving sales goals.
  • Facilitated all internal production meetings to motivate and discuss sales goals and expectations.
  • Surpassed personal sales goals consistently while managing other mortgage loan consultants.
  • Hit competitive sales goals in high-pressure corporate environment.
  • Recognized for exceeding established sales goals.
  • Generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting and exceeding sales goals and objectives.
  • Specialize in the sales of financial and insurance products to new and existing customers to achieve and exceed sales goals.
  • Generated $7.5 million a year in new business as an entry level loan officer far exceeding division sales goals.
  • Created an extensive network base through inbound and outbound sales calls to consistently meet or exceed mortgage sales goals.
  • Acted as a leader in daily huddles to motivate branch employees in the effort to reach daily sales goals.
  • Closed an average of $2MM in new home equity loans each month exceeding personal sales goals and targets.
  • Graphed branch sales goals; and coordinated staff sales training seminars and/or meetings with investment officers; brokers etc.
  • Eclipsed monthly sales goals and awarded Top Office Sales Producer 4 times and Top Regional Sales Producer 3 times.
  • Exceeded in monthly sales goals by advising potential borrowers of the appropriate loan programs which best suit their needs.
  • Contribute to the departments sales goals by maintaining strong member relations and cross-selling services that fits members' needs.
  • Achieved sales goals through use of referral network developed by building relationships with internal partners and external contacts.
  • Set up, implemented and oversaw effective telemarketing campaigns to increase or exceed monthly or quarterly sales goals.

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21. Financial Goals

average Demand
Here's how Financial Goals is used in Loan Officer jobs:
  • Recommend financial solutions for clients based on analysis of credit profile and financial goals while providing follow-up regularly ensuring client satisfaction.
  • Consulted and recommended options concerning financial issues and provided workout solutions to address their interest and financial goals.
  • Conducted appointments with clients and presented personal options for refinancing and personal financial goals.
  • Pre-Qualified potential clients by attaining financial qualifications and recording client's financial goals.
  • Interviewed clients to identify their financial goals and obtain financial information.
  • Conducted telephone interviews of clients to identify financial goals.
  • Ensured customer satisfaction and company financial goals.
  • Presented credit union products and services explaining to existing and potential members the benefits to assist with achieving customers financial goals.
  • Interviewed applicants to obtain information for loan applications, process and answer customer questions and to identify and set financial goals.
  • Work with borrowers to identify financial goals within the mortgage and informed clients of loan process and programs available to them.
  • Assumed full responsibility for communicating with the customer on a daily basis assuring them that their financial goals where being met.
  • Worked closely with clients to identify their financial goals and with loan specialists and underwriters to match clients with optimal products.
  • Worked with clients to answer questions, identify their financial goals and to advise them on how to reach those goals.
  • Serve customers through verbal and written communication to effectively meet their financial goals and cross-sell products offered by the Association.
  • Structured and submitted loan package with the appropriate lender and program to ensure the borrower's financial goals are met.
  • Determine the best refinance solution to meet customer's financial goals while looking for additional Bank of America referral opportunities.
  • Worked with customers to identify their financial goals and needs and suggested financial services and products to meet their objectives.
  • Interview prospective borrowers to determine financial goals, and present product, pricing and rate options tailored to their needs.
  • Worked closely with customers to identify current financial goals in order to customize loan programs to best meet individual needs.
  • Provided various financial counseling on the different products and strategies that best suited the client and their financial goals.

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22. Financial Services

average Demand
Here's how Financial Services is used in Loan Officer jobs:
  • Pursued Human Resources opportunities with local businesses for collective Home-buying and Financial Services Employee Education Opportunities.
  • Managed relationship with clients by providing financial services and support to drive customer satisfaction.
  • Developed and managed relationships with real estate agents, builders and financial services professionals.
  • Administered loan applications and assisted customers in the utilization of financial services.
  • Provide financial services to clients, including evaluating and making recommendations.
  • Discussed negative credit histories and recommended solutions to ameliorate financial services.
  • Interviewed and advised members regarding financial services and approved consumer loans.
  • Monitored client profiles to offer/upgrade banking products and financial services available.
  • Represented Moore Financial Services in origination of residential mortgage loans.
  • Presented information to potential students regarding available financial services.
  • Contacted potential clients via telemarketing to offer financial services.
  • Oversee provisions of administering financial services to members.
  • Developed expertise in financial services reporting software.
  • Prospect Mortgage merged with HomeBridge Financial Services
  • Stay up-to-date on loan products, promotions, and other financial services, in order to better meet customers' needs.
  • Promote Fifth Third brand, as the provider of financial services to real estate agencies, builders and other referral sources.
  • Advanced from Financial Services Officer to Loan Officer, promoted the State Employees Credit Union as a management level officer.
  • Assist the Director of Student Financial Services in finance activities including receipt, custody, and disbursement of university funds.
  • Maintained a strong knowledge of new loans and other financial services/products in order to better meet customer's needs.
  • Analyzed new industry loan types, financial services, and products in order to better meet customers' needs.

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23. Interest Rates

average Demand
Here's how Interest Rates is used in Loan Officer jobs:
  • Gained knowledge of conforming and non-conforming products and negotiated interest rates that would financially benefit our customers.
  • Submitted mortgage applications for automatic underwriting approval, priced interest rates and locked loans accordingly.
  • Analyzed applicant's credit worthiness and offered special interest rates tailored to their credit capabilities.
  • Determined needs and presented benefit packages that included reduced interest rates and lowered monthly payments.
  • Provide accurate interest rates, and obtaining customers personal information to complete loan application.
  • Redesigned direct mail piece, generated database of households needing mortgage interest rates lowered.
  • Assign varying interest rates to different applicants based on an overall underwriting analysis.
  • Research market trends and provide accurate information to customers concerning interest rates.
  • Determine interest rates according to borrower's financial ability.
  • Negotiated interest rates and consolidation of outstanding debts.
  • Negotiated interest rates and assisted processor through closing.
  • Refinanced customers lowering interest rates.
  • Develop creative personal budgeting strategies for clients, improving their chances when qualifying for loans and obtaining the best interest rates.
  • Monitor financial markets for ideal time in locking interest rates for clients and advising past clients of ideal time to refinance.
  • Presented sales meetings for 20 real estate agents; provided updates on market trends, interest rates and lender loan programs.
  • Cross selling customer with products that will help them lower their interest rates through refinancing and/or banking opportunities with the company.
  • Provided information concerning the different types of loans offered, the terms and interest rates, and required documentation to qualify.
  • Added 10+ checking & savings accounts to existing memberships on a monthly basis to maximize the benefit of interest rates.
  • Reviewed loan criteria for complete, stated no income, interest rates, loan to value, and credit worthiness.
  • Offered a variety of loan programs and interest rates that are suitable for the client in the current market.

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24. Customer Relationships

average Demand
Here's how Customer Relationships is used in Loan Officer jobs:
  • Generated new business and established relationships with prospective customers while maintaining a large portfolio of customers and growing current customer relationships.
  • Encourage store growth and increase profitability by building customer relationships, competitively appraising vehicles and maintaining company operating procedures.
  • Led and coached staff on effective sales techniques to develop new customer relationships and enhanced existing customer relationships.
  • Maintained positive customer relationships, accepted new customer applications by phone and assisted in general customer service duties.
  • Develop new lender and customer relationships to increase business development opportunities consistent with yearly sales goals and objectives.
  • Evaluated customer relationships and ensured that all recommendations and procedures are fully functional prior to their implementation.
  • Enhanced service value and customer relationships by providing knowledgeable counseling on debt management and sound financial decision-making.
  • Focused on maintaining the highest level of professionalism in order to increase quality of customer relationships.
  • Maximized the profitability of the customer's relationship by acquiring, retaining and deepening customer relationships.
  • Developed an informative approach to achieve customer satisfaction for the purpose of building the customer relationships.
  • Established/maintained superior customer relationships, cross sold bank services, and originated residential mortgage loans.
  • Originated refinance and purchase loans by building strong customer relationships and generating referrals from them.
  • Close working relationship with branch personnel to captivate cross selling opportunities and maximize customer relationships.
  • Expanded customer relationships through quality customer service by working with individuals and community groups.
  • Maintain excellent customer relationships to ensure customer satisfaction and referrals for the company.
  • Executed sales and marketing strategies by developing customer relationships and originating new business.
  • Maintained strong customer relationships and managed conflict resolution strategies to enhance customer experience.
  • Preserved existing customer relationships through marketing, follow-up, and superior customer service.
  • Fostered and maintained positive customer relationships including individual and small business customers.
  • Originated mortgages and consumer loans by maintaining professional client & customer relationships.

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25. Fannie MAE

average Demand
Here's how Fannie MAE is used in Loan Officer jobs:
  • Profiled applicants according to Fannie Mae and in house guidelines to determine loan eligibility and level of documentation required.
  • Maintain underwriting skills and ensure that all loans are in compliance and meet Fannie Mae, Freddie Mac and HUD guidelines.
  • Recommended loan approvals and denials based on customer loan application reviews, as a lender for Fannie Mae and Freddie Mac.
  • Originated Community Reinvestment Act home retail mortgages, ensuring they followed compliance under Bank of New York and Fannie Mae guidelines.
  • Qualify existing customer base for the Make Home Affordable Program as well as various other Fannie Mae and Freddie Mac loans.
  • Obtained mortgage application information; approvals through Fannie Mae / Freddie Mac systems and sent out and reviewed disclosures with borrowers.
  • Advised the members on the required documentation and approval requirements to meet the Fannie Mae, VA and FHA loan guidelines.
  • Completed transactions as a Direct Endorsed Lender through Fannie Mae, Freddie Mac, FHA, VA, and USDA/ Rural Development
  • Detailed knowledge with Fannie Mae and VA Guidelines as it applies to first time home buyers as well as refinances.
  • Utilized Fannie Mae/Freddie Mac, HUD and other regulated FDIC disclosures designed to meet guidelines, current laws and regulations.
  • Keep informed of changes to Fannie Mae and Freddie Mac guidelines as well as FHA, USDA and VA financing.
  • Attend company training and become familiar with Fannie Mae, Freddie Mac, VA, USDA and other loan programs.
  • Originate and process FHA Mortgages * Originate and process mortgage applications for purchases, refinances based on Fannie Mae guidelines.
  • Identify finance opportunities on the West Coast for commercial properties via Fannie Mae, Freddie Mac, and Life Companies.
  • Educated institution officers on the requirements of FHA/Fannie Mae mortgage programs and the legal requirements to take senior citizen applications.
  • Worked with clients on real estate mortgage loans, real estate mortgage financing programs, FHA & Fannie Mae financing.
  • Review and analyze loan transaction packages for preliminary approval or denial in accordance with Fannie Mae and Freddie Mac guidelines.
  • Conducted business under RESPA, Fannie Mae and Freddie Mac rules and regulations making sure all mortgage transactions met requirements.
  • Conduct credit, underwriting and financial reviews to qualify clients for FHA, Fannie Mae and Interest Only Loan products.
  • Analyzed and approved loan applications, including Fannie Mae, Purchase, Refinance, and other residential and commercial mortgages.

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26. Data Entry

average Demand
Here's how Data Entry is used in Loan Officer jobs:
  • Order title commitments/fax/copy/file/e-mail/data entry/scanning of loan applications.
  • Performed collections Data entry Answered phones and answered questions about services offered Cashiered Processed loans
  • Maintain databases for confidential client information including data entry and ensuring data accuracy.
  • Originated loan applications, collected customer information, customer data entry.
  • Filed confidential documents and performed data entry.
  • Assumed additional responsibilities as data entry manager.
  • Assisted with multiple Credit Union mergers with regards to data entry of memberships and loans and consolidation of products via conversions.
  • Handled multifaceted clerical tasks (e.g., data entry, filing, and records management) as the assistant Offices Manager.
  • Image Review Team Process orders for the Cisco systems, responsible for data entry and for entering proper information from customer.
  • Perform data entry, accounts receivable, accounts payable, inventory control, bookkeeping, and banking functions for the office.
  • Have to handle a large amount of Data Entry necessary to complete the process to be approved by Financial Institutions.
  • Initiated clear data management system by ensuring accurate data entry and filing reducing default rate by 5%.
  • Job Duties: Appointment setting, data entry and worked as a Bi-lingual interpreter for Hmong speaking clients.
  • Market & originate home loans, data entry, customer service, securing confidential information for loan conditions.
  • Assisted subordinate underwriters with data entry and creation of credit memorandums during periods of high volume.
  • Performed data entry when needed receptionist and ordered documents for the process of the loan.
  • Face to face interviews with clients and data entry of their information into Point software.
  • Performed administrative duties including; filing, faxing, and data entry of customer information.
  • Order Title and Appraisals, Pull Credit Reports, Customer Service, Data Entry,
  • Input all information into computer system; general follow-up data entry and retrieval.

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27. Usda

average Demand
Here's how Usda is used in Loan Officer jobs:
  • Provided rehabilitation construction financing in conjunction with USDA RD permanent financing to preserve affordable rental housing in West Virginia.
  • Originated and processed various loan products including government, conventional, portfolio, construction, USDA mortgages, home equity line/loans.
  • Originated FHA, VA, conventional, jumbo, and USDA loans, according to specific lender guidelines in broker environment.
  • Provided consulting and origination services to customers for residential mortgages to include FHA, VA, USDA and Conventional products.
  • Originated, processed, submitted and closed FHA, VA, USDA, construction and conventional home mortgage loans.
  • Generate SBA 7(a) and USDA B&I guaranteed loans for portfolio and secondary market sale.
  • Work with retail branches and C&I lenders to assist in underwriting and documenting SBA and USDA-guaranteed loans.
  • Provide outstanding customer services for mortgage products covering applications for FHA, Conventional, VA and USDA loans.
  • Evaluated loan programs with customers and advised them on FHA, USDA, Conventional, and VA loans.
  • Demonstrated extreme attention to detail through required financial reporting to the USDA and Finance Authority of Maine.
  • Originated Conventional, Jumbo, FHA, USDA and VA programs in a high volume builder environment.
  • Originate and close FHA, USDA, VA, Conventional, portfolio loans through a direct lender.
  • Experienced in FHA, Conventional, VA, USDA, Bond 77 and Foreign National loans products.
  • Specialize in FHA, VA, USDA streamline loans and conventional cash out and purchase loans.
  • Completed Loan Application, and Sell Customers FHA, USDA, VA and Conventional Loan Products.
  • Acquired fundamental knowledge of FHA, USDA, Purchase, Conventional, and Reverse Mortgages.
  • Originated conforming, FHA, VA, USDA residential loans via online internet lead sources.
  • Maintained knowledge with FHA, VA, USDA, DAP, conventional and non-conventional programs.
  • Review the different programs of FHA, USDA, Conventional, and VA with customers.
  • Identified conventional and government (FHA, VA, and USDA) loan program requirements.

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28. Income Tax Returns

average Demand
Here's how Income Tax Returns is used in Loan Officer jobs:
  • Analyzed profit and loss statements and income tax returns for eligibility and profitability.
  • Requested documents, such as income tax returns, bank account number, purchase agreements, and property description for verification.
  • Reviewed income tax returns for applicants who suffered losses due to disaster eligibility for a low interest rate residential mortgage.
  • Verified documents such as income tax returns, bank account numbers, purchase agreements, credit worthiness, etc.
  • Motivated clients to gather and return all required forms for filing including past income tax returns.
  • Analyzed customers' credit and income tax returns, and obtained any necessary documentation.
  • Prepared and filed state and federal income tax returns.
  • Evaluated customers' credit and income tax returns.
  • Review personal and business income tax returns.Assist with processing

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29. Cold Calls

average Demand
Here's how Cold Calls is used in Loan Officer jobs:
  • Acquired Real Estate LicenseDuties Performed:*Marketing to Potential Clients & Real Estate Agents*Cold Calls*Credit Checks*Data Entry of Potential Clients*Advertising*Research*Record Keeping
  • Conducted cold calls and presentations to establish business relationships necessary to solicit and close sales.
  • Originated loan applications from cold calls to inter-company customer bases.
  • Originated residential mortgages from personal referrals and cold calls.
  • Initiated cold calls to originate residential debt reduction mortgage loans
  • Originate loans, cold calls, shop lenders, research best loan options, loan document signing, and customer service.
  • Called leads provided as well as making my own cold calls, going out in the field to new subdivision developments.
  • Cultivate and develop clientele through concerted relationship building, prospecting, exceptional customer service policies, cold calls and branch referrals.
  • Conducted cold calls and prospecting to other real estate professionals (agents, lenders, financial institutions, etc.)
  • Started career in 1994 as a retail loan officer required to make at least 50 outbound cold calls per day.
  • Mortgage Consultant* Prospecting for clients through cold calls, referral clients and Networking* Maintained focus sales and establishing and growing relationships
  • Exceeded daily goal of 60 cold calls to clients to identify new contract job opportunities; specialized in client services.
  • Top producer every month -2005 Employee of the Year -Closed 7 to 10 loans a month originating from cold calls
  • Originated loans and aggressively sold residential mortgage along with conducting cold calls and network functions to prospect business clients.
  • Used self generated and In-house Internet leads to perform cold calls for home re-financing while in a sub-prime market.
  • Originate loan applications through cold calls and company marketing Included but not limited to conventional, VA and FHA.
  • Worked with management to make our way to a new market through thousands of cold calls and direct mailings.
  • Used creative marketing advertising to create new client base and placed cold calls to sell Allied products and services.
  • Conducted cold calls, created broker packets, taught presentations to Real Estate Agents on New Home Buying website.
  • Focused primarily on lending to non-confirming credit customers through cold calls and a variety of web-based marketing programs.

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30. Nmls

low Demand
Here's how Nmls is used in Loan Officer jobs:
  • Completed quarterly updates on all regulations and requirements to maintain NMLS nationwide licensing program.
  • Licensed Loan Originator, NMLS National Mortgage Certification.
  • Registered with State/Federal Registry System NMLS.
  • Mortgage Loan Originator NMLS #824774 Loan officers are responsible for performing telephone sales of mortgage products within established underwriting guidelines.
  • Licensed by the NMLS system and licensed in California, Washington, Nevada, Hawaii, Arizona, Texas and Florida.
  • Maintained NMLS certification through continuing education (American Banker's Association) on FHA/HUD regulations regarding the HECM loan process.
  • Registered with the NMLS and licensed in the states of Texas, New Jersey, Alabama, and Pennsylvania.
  • Acquired extensive knowledge of underwriting requirements for FNMA, FHLMC, FHA, VA and conventional home mortgage products.NMLS 1024379
  • Collected documentation for customers to complete Home loan transactions * Analyzed credit and completed SAFE Act NMLS registration.
  • Mortgage Loan Officer Marketing of mortgage products as a licensed mortgage broker loan officer, NMLS# 329823.
  • Licensed Mortgage Loan Originator with Nationwide Mortgage Licensing Services and State of Hawaii (NMLS # 398993).
  • Obtained and continues to maintain NMLS Loan Officer Licenses in states of MA and maintain NMLS license.
  • Comply with all Federal and State Banking and NMLS Laws that determines lending in each state.
  • Completed education requirements of 20 hours SAFE ACT courses and successfully passed NMLS Licensing examination.
  • Licensed to become a loan officer according to the new NMLS Federal and State requirements.
  • Worked as a NMLS mortgage loan officer doing all types of residential mortgage home loans.
  • Registered and licensed with Nationwide Mortgage Licensing System & Registry and my NMLS #561817.
  • Passed National NMLS SAFE test 1st time taken; within 30 days of hiring.
  • Licensed with the NMLS and six individual states to originate the mortgage loan process.
  • Licensed Mortgage Loan Officer, NMLS ID# 157525, not currently active.

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31. Outbound Calls

low Demand
Here's how Outbound Calls is used in Loan Officer jobs:
  • Received and made outbound calls to customers requesting information to complete activation.
  • Designed scripts for inbound/outbound calls related to obtaining mortgage financing.
  • Executed outbound calls to consumers refinancing/purchases to consumer.
  • Generated business through inbound/outbound calls and referrals.
  • Performed inbound/outbound calls to originate loans.
  • License in 18 States generating new business from Inbound and outbound calls, restructuring and refinancing the NationStar Mortgage portfolio clients.
  • Perform outbound calls to targeted audience from personal hot leads and company provided lead lists, in accordance to company standards.
  • Involved in acquiring new customers through building relationships with real estate agents along with making outbound calls to generated customer leads.
  • Specialized in sub prime mortgage loans to borrowers through inbound and outbound calls, mail merges, and book of referrals.
  • Field loan applications by either inbound calls or outbound calls from leads which may be personally generated or company provided.
  • Call center facility where I am entrusted to make 80-100 outbound calls daily as well as receive 20-40 inbound calls.
  • Placed outbound calls, responding to inquiries that customers submitted to the website regarding purchasing or refinancing their home mortgage.
  • Prospect all types of leads (including; internet, incoming and outbound calls) Entered borrower information into SalesForce.
  • Make numerous outbound calls to customers, thereby maintaining present clients and acquiring new clientele to expand my career.
  • Phone-based sales, using both inbound and outbound calls to originate FHA reverse mortgage loans targeting the senior market.
  • Generate new business from Inbound and outbound calls, referrals from credit unions, real estate offices and accountants.
  • Executed a high volume of inbound and outbound calls related to home purchases, refinances, and debt consolidation.
  • Originated conventional and FHA loans from leads generated online, outbound calls and online applications submitted by interested borrowers.
  • Make outbound calls to customers who have shown an interest in refinancing or looking to purchases a new home.
  • Make outbound calls and meet clients to present loan options for purchasing and refinancing to accomplish financial goals.

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32. Compile Copies

low Demand
Here's how Compile Copies is used in Loan Officer jobs:
  • Obtain and compile copies of loan applicants' credit histories and other financial information for submission to Banks underwriting division.
  • Obtain, compile copies of loan applicants' credit histories, corporate financial statement, review/update credit and loan files
  • Obtain and compile copies of loan applicants' financial information.
  • Obtain and compile copies of loan applicants' credit histories.
  • Obtain and compile copies of loan applicants documentation needed.
  • Obtain member's application and compile copies of documents.

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33. Client Relationships

low Demand
Here's how Client Relationships is used in Loan Officer jobs:
  • Grow and nurture existing client relationships by providing excellent customer service in an evolving industry increasingly subject to government regulation.
  • Expand client relationships by effectively profiling/interviewing for lending needs; maintaining knowledge of and successfully offer/process residential mortgage lending products.
  • Demonstrated exemplary performance in developing and managing new client relationships with several ethnic communities throughout the Chicago multicultural market.
  • Managed client relationships at all service levels throughout the complete mortgage origination/sales cycle from initial application to final funding/closing.
  • Identify areas to expand client relationships leveraging cross-sell and promotional opportunities through investment, business and consumer banking products
  • Developed and managed client relationships in order to gain strategic positioning with decision makers and customer base.
  • Screened and closed mortgage transactions, developing complete credit packages and managing client relationships closely.
  • Interacted with internal/external clients to gather or clarify information and expand existing client relationships.
  • Managed assigned client relationships overseeing all aspects of the relationship and identifying cross-selling opportunities.
  • Established rapport with customers to maintain existing client relationships and assure ongoing satisfaction.
  • Identify opportunities to expand client relationships and leverage across-selling and promotional opportunities.
  • Excel at establishing great client relationships and following company designated sales process.
  • Managed existing client relationships to ensure satisfactory performance and covenants compliance.
  • Identified opportunities to expand client relationships and leverage cross-selling of products.
  • Provided superior customer service to build client relationships and partnerships.
  • Consulted with clients within territory and established ongoing client relationships.
  • Provided exceptional experience in Customer Service and Client relationships.
  • Developed client relationships and earned reputation for exceeding goals.
  • Developed sales business and maintained existing client relationships.
  • Maintained client relationships/accounts and processed loans.

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34. Potential Customers

low Demand
Here's how Potential Customers is used in Loan Officer jobs:
  • Developed profitable business relationships with current and new bank customers through business networking by creating long term relationships with potential customers.
  • Provided mortgage consultation for potential customers and worked to identify best suited financial product to meet financing objectives.
  • Managed a database of potential customers with less-than-perfect credit who desired to refinance residential and investment properties.
  • Marketed program events with business partners to promote community outreach and enhance participation for potential customers.
  • Presented account options to potential customers and assessed financial needs to assure proper account placement.
  • Worked a lead-generating system to contact current and potential customers for residential mortgage loans.
  • Interview existing customers and potential customers by inbound and outbound solicitation for mortgage products.
  • Educated potential customers on the variety of products available and facilitated the qualification process.
  • Identified potential customers and developed relationships with company representatives to introduce the products.
  • Provide courteous and responsive service to internal and external customers and potential customers.
  • Maximized mortgage sales by expertly explaining different loan products to potential customers.
  • Developed current and potential customers with refinance and purchasing of residential properties.
  • Established contact with potential customers interested in a mortgage refinance or purchase.
  • Identified and marketed to potential customers resulting in increased loan volume.
  • Contacted potential customers in person and telephone to complete mortgage applications.
  • Performed cold calling to promote product portfolio and qualify potential customers.
  • Originated residential first mortgage business through phone conversations with potential customers.
  • Develop company provided leads into personal appointments with the potential customers.
  • Identify potential customers, determine eligibility and manage transactions through to close
  • Gathered internet-based leads and contacted potential customers to sell loan products.

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35. Freddie Mac

low Demand
Here's how Freddie Mac is used in Loan Officer jobs:
  • Set up program to originate and sell directly to Freddie Mac - accomplished in two months although bank has allowed six.
  • Originated and closed mortgages for in-house, Freddie Mac, Illinois Housing Authority and Rural Development programs.
  • Utilized FannieMae's Desk Operating System and Freddie Mac's Desk Underwriting System.
  • Originated first mortgage loans for the credit union utilizing Freddie Mac guidelines.
  • Worked with SONYMA and Freddie Mac to get applications processed and approved.
  • Qualified borrowers for mortgage loans following Freddie Mac investor guidelines.
  • Underwrite residential mortgage loans and sold them to Freddie Mac.
  • Underwrite in-house and Freddie Mac mortgages Indirect Lending Manager.
  • Mortgage experience includes Freddie Mac & Loan Prospector.
  • Used Fannie and Freddie Mac underwriting system.
  • Underwrite Conventional, FHA, VA, RD & MHFA loan files to Freddie Mac guidelines.
  • Originate residential loans per Freddie Mac, FHLB, WHEDA, FHA, USDA guidelines.
  • HARP, FANNIE and FREDDIE MAC loans.
  • Have acquired skills with programs such as Freddie Mac, Country Wide, Citi financial, and FHA programs.
  • Reviewed documents to ensure compliance with Freddie Mac and Fanni Mac guidelines regarding fees and disclosures.
  • Gained extensive experience in underwriting FHA, VA and Fannie/Freddie Mac Loans.

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36. Bank Products

low Demand
Here's how Bank Products is used in Loan Officer jobs:
  • Demonstrated ability cross selling bank products/services and work effectively with customers to determine their needs and priorities.
  • Received sales recognition awards for successful promotion of bank products Team leader for all retail collection activities
  • Provided excellent customer service for client retention and sought additional opportunities for cross-selling additional bank products.
  • Originated and processed mortgage loan applications and referred other bank products to customers.
  • Make recommendations to customers regarding other bank products or alternative lending vehicles.
  • Marketed and actively promoted bank products through cross-selling and community events.
  • Contacted banking institutions and customers to offer a variety of bank products
  • Leveraged multimedia advertising to market bank products to individuals and firms.
  • Generated new business through presentation of bank products to potential clients
  • Customized solutions for individual situations and cross-sold other bank products.
  • Recognize and pro-actively cross sell additional bank products.
  • Contacted potential and existing clients with leads generated by new bank products, maturing equity products, and adjustable rate mortgages.
  • Qualified prospective clientele, organized loan packages, cross-sold other bank products and services in accordance with bank procedures and guidelines.
  • Promote other bank products & services and assist with management of accounts in the absence of other loan officers and staff.
  • Originate mortgages, market other bank products where applicable, and refer customers with banking needs to the appropriate departments.
  • Referred deposits, cash management, assets management, investment and other appropriate bank products and services to appropriate subsidiaries.
  • Obligated to cross sell other bank products and provide sales leads to financial partners as well as banking relations.
  • Recognized potential opportunity to cross sell related bank products or services, providing an added benefit to the customer.
  • Provided increased sales through cross-selling of bank products and credit life and disability insurance on all loan types.
  • Increased company revenue by 95% over a 3-month period by selling loans and all the bank products.

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37. Underwriting Guidelines

low Demand
Here's how Underwriting Guidelines is used in Loan Officer jobs:
  • Evaluated underwriting guidelines that established customer eligibility.
  • Performed analysis of confidential documents for accuracy, approved or denied loans based on credit criteria and bank underwriting guidelines.
  • Explain required documentation and review client provided documentation to ensure compliance with underwriting guidelines and submit for approval.
  • Documented customer information and monitored the lending process from application to loan closing while meeting appropriate underwriting guidelines.
  • Implemented underwriting guidelines after a thorough review and analysis of credit, income, assets and property documentation.
  • Make lending decisions according to established underwriting guidelines then negotiating the decisions to direct and indirect originators.
  • Demonstrated ability in becoming proficient with underwriting guidelines, in addition to being comfortable with Desktop Underwriter.
  • Originated, reviewed, processed, closed and administered customer loan proposals within established VA underwriting guidelines.
  • Reviewed credit reports and analyzed clients' finances to determine mortgage options according to underwriting guidelines.
  • Position requires extensive knowledge of company underwriting guidelines as well as underwriting guidelines established by competitors.
  • Interviewed borrowers, evaluated credit, reviewed underwriting guidelines and educated clients about available financing options.
  • Ensured all required underwriting guidelines satisfied and complete before closing file and updating to electronic database.
  • Collected and analyzed customer's financial documentation to determine appropriate loan programs based on underwriting guidelines.
  • Structured loan scenarios to meet underwriting guidelines for FHA/VA conforming loans and negotiating loan modifications.
  • Structured loans according to company underwriting guidelines for either refinancing or purchasing a new home.
  • Worked within underwriting guidelines for non-conforming loans to insure the profitability of funding organization.
  • Utilize credit analysis and review to affirm compliance with lending requirements and underwriting guidelines.
  • Review underwriting guidelines to determine qualifying level for potential placement of loans to investors.
  • Stayed current with several of programs with complicated and ever-changing requirements and underwriting guidelines.
  • Maintained current knowledge on all mortgage products, underwriting guidelines and industry regulations.

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38. Personal Loans

low Demand
Here's how Personal Loans is used in Loan Officer jobs:
  • Originated and closed Residential, Mortgage and personal loans according to Underwriting Guidelines.
  • Processed and translated applications from Spanish-speaking applicants for personal loans.
  • Provided financial advice and implemented personal loans for customers.
  • Determine eligibility for auto and personal loans.
  • Provide secured and unsecured personal loans.
  • Originated commercial and personal loans.
  • Originated automobile and personal loans.
  • Originated home equity and personal loans with an emphasis on cross selling FHA, VA, Conforming, Purchasing and Refinancing.
  • Work with members to help reduce monthly debt utilizing Personal loans, credit cards, mortgages, and home equity loans.
  • Originated and processed a variety of credit union loan products including first and second mortgages, auto loans and personal loans.
  • Recognized by company as top Loan Officer for outstanding performance, produced $200K+ in unsecured personal loans in one month.
  • Process applications for commercial loans, lines of credit, construction loans, personal loans, equity loans and auto loans.
  • Approved and originated personal loans, car loans, recreation equipment, business lines, home equity loans and lines.
  • Originated a variety of loan products including personal loans, new and used automobile loans, home equities and mortgages.
  • Initiated the gathering of all appropriate information required to review and underwrite dealer loans, personal loans and business loans.
  • Provide superior customer service and product knowledge * Evaluate credit-worthiness and make lending decision for mortgage and personal loans.
  • Provided account services and offered mortgage, car, home equity, recreational and other personal loans/contracts for consideration.
  • Process all loan applications for all types of loans, from personal loans to business and home mortgage loans.
  • Experienced in Signature Loans, Personal Loans, First Lien Auto Loans, And Second Lien Auto Loans.
  • Coordinate the approval or rejection of lines of credit or commercial, real estate, or personal loans.

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39. Calyx

low Demand
Here's how Calyx is used in Loan Officer jobs:
  • Originated and processed residential loans using multiple loan origination platforms including Calyx and Zippy ensuring compliant and complete files.
  • Integrated Calyx Point Origination application into revenue, compliance and statistical reporting.
  • Developed and implemented bank's automated underwriting system Calyx 203-K Templates.
  • Input data into Calyx Point origination database and performed financial analysis.
  • Maintained client information using Encompass and Calyx applications.
  • Entered borrower's information into Calyx database system.
  • Entered and retrieved information from Calyx database system.
  • Originate loan applications using Calyx.
  • Used Calyx software to perform customer credit checks and determined customer's net worth to ensure all compliance guidelines were followed.
  • Processed loan packages for lenders by inputting into Calyx Point, DU, and AUS to ensure accurate loan process.
  • Inputted FHA and Conventional loans and all necessary information into Calyx Point, Desktop Underwriter to ensure accurate loan process.
  • Worked with Sub-Prime, Prime and FHA loan programs as well as used Calyx Point to maintain updated loan status.
  • Functioned as a Loan Document Specialist Level 4-5 and utilized programs such as DU/LP, Calyx, Byte.
  • Originate Conventional, Jumbo, Non-Conforming, and FHA loans by taking completed applications using Calyx Point System.
  • Process national loan applications on Delphi and Calyx Point mortgage software programs according to established loan program guidelines.
  • Interviewed loan applicants, set up and process files through Calyx Point, and prepared files for closing.
  • Develop potential mortgage business using Courthouse Retrieval, Lower My Bills, Leads 360 and Calyx Point.
  • Originated mortgage loans using a network based software packages (Calyx Point) and (Encompass).
  • Perform financial and credit report analysis, extensive loan processing experience using Calyx Point and Doc Velocity 2.0
  • Utilized Fannie Mae Desktop Originator, Calyx Point 6.0, ABS and Various automated underwriting programs.

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40. Prospective Customers

low Demand
Here's how Prospective Customers is used in Loan Officer jobs:
  • Developed and maintained professional business relationships with current and prospective customers through phone calls, in-person visits, and presentations.
  • Provided assistance to customers and prospective customers seeking residential mortgage loans while educating them on new processes and procedures.
  • Verify financial status and reputation of prospective customers applying for credit and prepare documents to substantiate findings.
  • Self-generated appointments approached prospective customers or clients by telephone, by email and associates.
  • Develop and maintain successful relationships with business referral sources, existing and prospective customers.
  • Performed financial analysis on current and prospective customers, guarantors, and/or principals.
  • Arranged financing for prospective customers to purchase or refinance residential and commercial properties.
  • Conducted presentations to walk-in clients and performed outside sales presentations to prospective customers.
  • Process and write loans for prospective customers utilizing online solicitations and referrals.
  • Originated and marketed residential home loans to current and prospective customers.
  • Conducted inbound/outbound phone calls to prospective customers for refinancing primary mortgages.
  • Developed and maintained successful business relationships with current and prospective customers.
  • Field inbound calls from prospective customers generated from targeted marketing programs.
  • Solicited and consulted prospective customers for purchase money mortgages and refinances.
  • Established relationships with prospective customers in a call center environment.
  • Provide superior customer service to existing and prospective customers.
  • Communicated with prospective customers and promoted company services.
  • Presented to prospective customers to establish business leads.
  • Created relationships with prospective customers to establish trust.
  • Analyzed data to determine prospective customers' creditworthiness.

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41. Delinquent Accounts

low Demand
Here's how Delinquent Accounts is used in Loan Officer jobs:
  • Processed loan applications, secured pay-day loans for approved applicants and initiated collections services for delinquent accounts.
  • Maintained a positive ROI by actively working on resolving delinquent accounts and offering customers multiple payment opportunities.
  • Serviced accounts, such as managing collections and recommending solutions to difficult delinquent accounts.
  • Review individual or commercial customer files to identify and select delinquent accounts for collection.
  • Interfaced with service partners outside of collections to effectively collect on delinquent accounts.
  • Collected delinquent accounts, maintained significant portfolio and managed large secondary market pipeline.
  • Resolved routine billing inquiries and negotiate payment arrangements to cure delinquent accounts.
  • Initiated collection of delinquent accounts using both written correspondence and telephone notification.
  • Collected payments on delinquent accounts, enabling the organization to operate profitably.
  • Planned and prioritized delinquent accounts/prospect contact towards achieving agreed payment plans.
  • Investigated delinquent accounts by reviewing credit reports and contacting customer references.
  • Negotiated payment arrangements with customers who had delinquent accounts.
  • Review and analyze delinquent accounts for appropriate collection action.
  • Negotiated repayment schedule and or settlements for delinquent accounts.
  • Managed delinquent accounts and collected on outstanding payments.
  • Negotiate Payment Arrangements for/with Borrowers who have Delinquent Accounts
  • Collect and negotiate payment arrangements on delinquent accounts.
  • Supervised collection calls while responding to delinquent accounts.
  • Perform daily recovery activities regarding delinquent accounts.
  • Collected or arranged collection on delinquent accounts.

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42. DU

low Demand
Here's how DU is used in Loan Officer jobs:
  • Completed applications for home retention loans, including follow-up for documentation required for processing in accordance with corporate policies and procedures.
  • Collected supporting documentation and conducted research to provide additional data and used sign-off authority to move loans quickly through review process.
  • Ensured proper procedures were adhered to and safeguard sensitive information to prevent unauthorized use and/or disclosure.
  • Meet and exceed all senior management and self expectations for volume/ quality and productivity.
  • Communicated decision (approval, suspense, denial) to appropriate individuals within organization.
  • Prospect by phone, utilize internet and industry organizations to meet industry professionals.
  • Conducted escrow closing with clients, successfully obtaining funding conditions required for completion.
  • Developed multiple relationships with Wholesale Bank Representatives as products varied by lender.
  • Advise and educate prospective borrowers regarding programs, rates and documentation requirements.
  • Conducted training seminars for cooperative employees and management for program administration.
  • Conducted risk assessment and credit report analysis to make approval recommendations.
  • Keep pace with fluctuating all volume/processing production both inbound/outbound calls.
  • Conducted lending activity coordination through direct connection with loan department.
  • Organized educational seminars, promotional events and marketing strategies.
  • Performed ceiling maintenance of the Treasury Management Auto-pay product.
  • Update job knowledge by participating in educational opportunities.
  • Conducted verification of customer employment and financial status.
  • Checked and submitted schedules of documentary stamps affixing.
  • Educated and counseled applicants on qualifying credit criteria.
  • Conducted risk analysis on potential customers.

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43. Customer Complaints

low Demand
Here's how Customer Complaints is used in Loan Officer jobs:
  • Communicated effectively and dealt diplomatically with customer complaints, offering mutually beneficial solutions.
  • Resolved and handled customer complaints effectively and efficiently.
  • Submit applications to credit analysts for verification and recommendation * Handle customer complaints and take appropriate action to resolve them.
  • Assist the management in running the business, handling cash and cash alternatives, and dealing with customer complaints.
  • Provide resolution to customer complaints and/or concerns within the department and for the company as a whole.
  • Manage all communication for all overdue accounts and investigate all customer complaints and resolve all issues.
  • Handle customer complaints and take appropriate action to resolve problems or discrepancies concerning customers' accounts.
  • Handled customer complaints and take appropriate action to resolve issues on a timely manner.
  • Handled inquiries from applicants and branch personnel and helped to resolve customer complaints.
  • Handle customer complaints by resolving issues to the satisfaction of the customer.
  • Resolved an average of customer complaints per month regarding sales and service.
  • Supervised tellers, cross-sold products and services, resolved customer complaints.
  • Managed customer complaints and took appropriate action to resolve them.
  • Managed all customer complaints with 99% accuracy customer satisfaction.
  • Handled customer complaints and uneasiness with the loan process effectively.
  • Handled customer complaints and solved problems as they came up
  • Resolve customer complaints, referring money and adjust bills.
  • Handled customer complaints and tried to solve them.
  • Keep proper records and look into customer complaints.
  • Coordinate with all the departmental heads in communicating management's decisions Handle customer complaints and take appropriate action to resolve them.

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44. Local Realtors

low Demand
Here's how Local Realtors is used in Loan Officer jobs:
  • Established relationships with local realtors and builders by continuous marketing of business.
  • Required to generate and maintain business relationships with local realtors through networking.
  • Originated mortgages, developed relationships with local realtors and builders.
  • Developed working relationships with local realtors and major corporations.
  • Developed leads and business opportunities with local realtors.
  • Developed good relationship with local realtors.
  • Established relationships with local realtors.
  • Develop new business by making sales calls to potential and existing customers as well as local realtors to increase market share.
  • Performed all duties of a mortgage loan officer including establishing and maintaining client relationships with local realtors and lending institutions.
  • Call on local Realtors and Banks to get referrals to qualify home buyers for the correct mortgage they qualify for.
  • Provided loan services to Caruso Home Builder while developing strong relationships with the builder sales representatives and local realtors.
  • Originated 1st mortgage loans, establishing a strong referral network as a trusted partner with local realtors and builders.
  • Generated new business through building relationships and networking with local Realtors, Home Appraisers, and Home Inspectors.
  • Originated and funded mortgage loans by creating relationships with local realtors, builders, and other referral sources.
  • Generate loans by developing relationships with PNC customers, local realtors, and utilization of other community resources.
  • Performed sales calls on local Realtors, builders, civic groups and other external and internal sources.
  • Generated leads through open houses and built relationships with local realtors, title companies and private investors.
  • Worked with local Realtors, attorneys and CPA's to develop a referral network for the branch.
  • Build and maintain relationships with local realtors, lawyers and clients for future business and referral opportunities.
  • Establish business relationships with local realtors and apprise them of new products, regulations, and requirements.

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45. Credit Data

low Demand
Here's how Credit Data is used in Loan Officer jobs:
  • Originated loans, conducted interviews with prospective borrowers, analyzed financial and credit data to determine feasibility of granting loans.
  • Conduct telephone interviews with current Countrywide Home Loan customers to analyze financial and credit data and determine customer financing objectives.
  • Determined credit worthiness based on gathering, analyzing and underwriting individuals financial and credit data & financial objectives.
  • Analyze financial/credit data in determining approval of all loans of subordination coupled with loan counter offers.
  • Conduct applicant interview and review applicant financial and credit data to determine acceptable credit risk.
  • Analyzed credit data and performed risk analysis on a daily basis to determine creditworthiness.
  • Obtained and analyzed customers' financial/credit data to identify appropriate loan solution.
  • Analyzed loan application information, evaluated credit data and credit policies.
  • Interviewed perspective borrowers in order to analyze financial and credit data.
  • Analyzed financial and credit data and determined customer financial objectives.
  • Conducted financial and credit data analysis to determine customer eligibility.
  • Analyze customer credit data and other related financial information.
  • Obtained and analyzed pertinent financial and credit data.
  • Evaluated detailed financial and credit data.
  • Conducted comprehensive analysis of client financial/credit data, determining level of risk and matching customer needs with the appropriate loan program.
  • Obtained and analyzed pertinent financial and credit data to determine whether the loan will be an acceptable risk to the banks.
  • Collect and analyze credit data, Apply confidentiality Procedures while following state and federal regulations to ensure no audit findings.
  • Analyzed financial and credit data, determined customer financing objectives and advised customers of products best suited for their needs.
  • Initiated residential mortgage loans and development of new business, analyzed detailed financial and credit data for all clients.
  • Analyzed detailed financial and credit data, matching customer needs with appropriate loan program and level of risk.

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46. Fnma

low Demand
Here's how Fnma is used in Loan Officer jobs:
  • Processed/performed preliminary underwriting of FNMA & FHLMC eligible loans.
  • Attained working knowledge of FNMA and FHA guidelines and RESPA rules and regulations regarding advertising, borrower confidentiality and referral fees.
  • Maintained daily communication with the FNMA Project Standards Credit Department to obtain exception approval and variances from the FNMA Master Commitment.
  • Verified authenticity of documents, signatures and calculations, then bundled loans and sold to FNMA, FHLMC and private investors.
  • Performed mortgage underwriting according to GNMA, FNMA/FHLMC or state housing agency guidelines and prepared commitments for sale in Warehousing Department.
  • Analyze available resources to determine suitable mortgage products (FHA, FNMA/FHLC) to meet clients' purchasing or refinancing goals.
  • Licensed Mortgage Loan Originator Responsible for sales of FHA, VA, FHLMC, and FNMA mortgage loan products to borrowers.
  • Prepared loan committee submissions for approval, originated conventional loans for sale to FNMA, generated FHA for correspondent sale.
  • Experience includes a full understanding of FNMA, FHLMC, FHA, VA, and USDA loan and underwriting guidelines.
  • Originated and funded loans under FNMA and Sub-prime product guidelines that matched and satisfied the essential goals of the borrowers.
  • Coordinated all aspects of loan from origination to closing for FNMA, Alt A, and sub-prime purchases and refinances.
  • Specialized in the new FHA, FNMA, and VA Condo Building approval process for loan funding & wholesaling.
  • Originate mortgage loans for credit union portfolio through FNMA, FHLMC, VA, FHA and Home Equity Financing.
  • Established approval status for FHA/VA/FNMA to underwrite loans in house and provide excellent level of service to Correspondent Banks.
  • Originated mortgage loans conforming to FNMA/FHLMC guidelines and eligible for sale to various approved investors of HomeVest Mortgage Corporation.
  • Remained familiar with the constant changes in guidelines with lenders and government institutions such as FNMA, & FHA.
  • Assisted clients with loan packages to be submitted for loan approval in accordance with the guidelines of FNMA/FHLMC.
  • Originated FNMA, FHLMC, FHA, VA, portfolio and interim construction loans for all banking customers.
  • Maintained a thorough knowledge of FNMA, FHLMC, VA and FHA origination and underwriting guidelines and programs.
  • Worked hard to ensure customer satisfaction & to certify that they qualified under company & FNMA guidelines.

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47. Ensure Compliance

low Demand
Here's how Ensure Compliance is used in Loan Officer jobs:
  • Reviewed transactions submitted to ensure compliance with lending requirements, accurate accounting, compliance reporting and timely submission of documents.
  • Reviewed and assessed all transaction documents to ensure compliance with company guidelines and legal requirements.
  • Evaluated and verified loan applications to ensure compliance and comprehensiveness of data to determine eligibility.
  • Supervised loan processes to ensure compliance with state regulations and internal business expectations.
  • Managed the ongoing regulatory reporting process to ensure compliance with all legal requirements.
  • Conducted account audits to ensure compliance with bank policy and regulatory requirements.
  • Performed credit and collateral risk analysis to ensure compliance with agency guidelines.
  • Prepare loan documentation to ensure compliance with government regulations.
  • Performed financial analysis to ensure compliance with credit policies.
  • Reviewed investors guidelines to ensure compliance with federal policy.
  • Monitored branch operations to ensure compliance and audit integrity.
  • Perform branch audits to ensure compliance with regulatory requirements.
  • Reviewed loans and investigated discrepancies to ensure compliance.
  • Consulted with Sales Management, Loan Processors and Lender's to ensure compliance with the State and Federal lending regulations.
  • Assist with the development and refinement of Interface Platforms, policies and procedures to ensure compliance across the board.
  • Managed consumer and mortgage lending procedures from beginning to end to ensure compliance and processing efficiency standards were met.
  • Examined transactions to ensure compliance with consumer loan policies, recognized risk factors, and implemented fraud detection techniques.
  • Collect and analyze credit reports along with borrower personal financial documents to ensure compliance with all program guidelines.
  • Followed current loans to ensure compliance with terms and conditions, and coordinated with collections when necessary.
  • Maintain industry knowledge to ensure compliance with TRID, TILA, RESPA, and other industry regulations.

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48. New Types

low Demand
Here's how New Types is used in Loan Officer jobs:
  • Stayed abreast of new types of loans & terms in order to advise clients of best market options available.
  • Stayed abreast of changes and new types of loans and other financial services/products to better meet customers' needs.
  • Stayed informed of new types of loans, laws and regulations, and other financial services and products.
  • Addressed client needs, remained abreast of new types of loans and other financial services and products.
  • Stay abreast of new types of loans and services and products to better serve customers needs.
  • Stay abreast of new types of loan programs and other financial services.
  • Remain up to date on new types of loans.

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49. Necessary Documents

low Demand
Here's how Necessary Documents is used in Loan Officer jobs:
  • Initiated follow-up calls with Veteran Administration contacts to schedule appointments and procure necessary documents needed for refinancing of their mortgage.
  • Obtained all necessary documents from clients throughout the process and proceeded to audit documentation during qualification stage.
  • Gathered all necessary documents from potential borrowers to submit for underwriting in order to complete refinance.
  • Respond to home loan inquiries from prospective borrowers and collected all necessary documents for qualifications.
  • Execute reverse mortgage loan origination process including ordering reports, appraisals, and necessary documents.
  • Obtain necessary documents needed for customer approval for a conventional mortgage loan.
  • Collected and reviewed all necessary documents for the successful opening deposit products.
  • Composed files to include all necessary documents for approval and underwriting/funding conditions.
  • Interviewed potential loan applicants and ensuring all necessary documents are provided.
  • Facilitated application process, took complete applications, requested necessary documents.
  • Collect all necessary documents upfront and maintain frequent communication with borrowers.
  • Managed all necessary documents meeting lender/title company requirements and closing deadlines.
  • Gathered necessary documents for both preliminary and final approval.
  • Collected all necessary documents to meet full submission requirements.
  • Obtain information & necessary documents for loan application.
  • Collected necessary documents from customers and lenders for closing
  • Collected necessary documents for processing and underwriting.
  • Collected necessary documents for submission to underwriter.
  • Collected, organized and uploaded necessary documents.
  • Fax necessary documents/Prepare mailings and Fed-Ex packaging.

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50. Financial Planners

low Demand
Here's how Financial Planners is used in Loan Officer jobs:
  • Developed relationships with referral partners including real estate agents, financial planners and attorneys.
  • Establish and maintain rapport with various businesses, including Real Estate Agents, Financial Planners, Attorneys, and existing clients.
  • Established referral source relationships from real estate agents, financial planners and other external sources to consistently exceed monthly goals.
  • Generated contacts with real estate brokers, attorneys, CPA's, and financial planners to increase book of business.
  • Conducted cold calls to prospect business; Real Estate Agents, CPA's, Financial Planners and past clients.
  • Work with real estate agents, builders, financial planners and other third parties to develop mortgage loan business.
  • Employed real estate agents and other financial planners as a network to maximize leads and build strong relationship profiles.
  • Established relationships with real estate brokers, financial planners, CPA's and developers to source new business.
  • Develop business referral sources with real estate brokers, attorneys and financial planners, CPA's, etc.
  • Network with Real Estate Agents, Financial Planners, Developers, and businesses in the real estate industry.
  • Established and cultivated new business relationships with real estate brokers, builders, attorneys, and financial planners.
  • Solicited and obtained mortgage loans from a multistage of sources, Real Estate Agents, financial planners.
  • Develop new business opportunities with new and current Chase bank customers with personal bankers and financial planners.
  • Assist Business Banker, Private Banker and Financial Planners to provide an overall financial package to clients.
  • Targeted real estate agents, accountants, financial planners, attorneys and insurance agents for referrals.
  • Originate by calling; past clients, agents, financial planners, builders and the portfolio.
  • Worked with builders, real estate agents, financial planners, accountants on a referral basis.
  • Targeted specific professionals (real estate agents, financial planners, attorneys, etc.)
  • Developed marketing and business partnerships with Accountants, Financial planners, and Insurance Brokers.
  • Networked real estate agents, CPA's, insurance agents, and financial planners.

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20 Most Common Skill for a Loan Officer

Financial Status16.6%
Loan Applications14.3%
Loan Portfolio13.9%
Credit Reports9.8%
Customer Service8.4%
Real Estate7.4%
FHA5.7%
Financial Statements4.8%

Typical Skill-Sets Required For A Loan Officer

RankSkillPercentage of ResumesPercentage
1
1
Financial Status
Financial Status
13.7%
13.7%
2
2
Loan Applications
Loan Applications
11.7%
11.7%
3
3
Loan Portfolio
Loan Portfolio
11.5%
11.5%
4
4
Credit Reports
Credit Reports
8.1%
8.1%
5
5
Customer Service
Customer Service
6.9%
6.9%
6
6
Real Estate
Real Estate
6.1%
6.1%
7
7
FHA
FHA
4.7%
4.7%
8
8
Financial Statements
Financial Statements
4%
4%
9
9
Property Evaluations
Property Evaluations
2.1%
2.1%
10
10
New Clients
New Clients
2%
2%
11
11
Credit Options
Credit Options
1.4%
1.4%
12
12
Different Types
Different Types
1.4%
1.4%
13
13
Borrowers
Borrowers
1.3%
1.3%
14
14
Title Companies
Title Companies
1.3%
1.3%
15
15
New Accounts
New Accounts
1.2%
1.2%
16
16
Phone Calls
Phone Calls
1.1%
1.1%
17
17
Loan Agreements
Loan Agreements
1%
1%
18
18
Financial Needs
Financial Needs
1%
1%
19
19
Loan Origination
Loan Origination
0.9%
0.9%
20
20
Sales Goals
Sales Goals
0.9%
0.9%
21
21
Financial Goals
Financial Goals
0.8%
0.8%
22
22
Financial Services
Financial Services
0.8%
0.8%
23
23
Interest Rates
Interest Rates
0.8%
0.8%
24
24
Customer Relationships
Customer Relationships
0.8%
0.8%
25
25
Fannie MAE
Fannie MAE
0.8%
0.8%
26
26
Data Entry
Data Entry
0.7%
0.7%
27
27
Usda
Usda
0.7%
0.7%
28
28
Income Tax Returns
Income Tax Returns
0.7%
0.7%
29
29
Cold Calls
Cold Calls
0.7%
0.7%
30
30
Nmls
Nmls
0.7%
0.7%
31
31
Outbound Calls
Outbound Calls
0.7%
0.7%
32
32
Compile Copies
Compile Copies
0.7%
0.7%
33
33
Client Relationships
Client Relationships
0.7%
0.7%
34
34
Potential Customers
Potential Customers
0.6%
0.6%
35
35
Freddie Mac
Freddie Mac
0.6%
0.6%
36
36
Bank Products
Bank Products
0.6%
0.6%
37
37
Underwriting Guidelines
Underwriting Guidelines
0.6%
0.6%
38
38
Personal Loans
Personal Loans
0.5%
0.5%
39
39
Calyx
Calyx
0.5%
0.5%
40
40
Prospective Customers
Prospective Customers
0.5%
0.5%
41
41
Delinquent Accounts
Delinquent Accounts
0.5%
0.5%
42
42
DU
DU
0.5%
0.5%
43
43
Customer Complaints
Customer Complaints
0.5%
0.5%
44
44
Local Realtors
Local Realtors
0.4%
0.4%
45
45
Credit Data
Credit Data
0.4%
0.4%
46
46
Fnma
Fnma
0.4%
0.4%
47
47
Ensure Compliance
Ensure Compliance
0.4%
0.4%
48
48
New Types
New Types
0.4%
0.4%
49
49
Necessary Documents
Necessary Documents
0.4%
0.4%
50
50
Financial Planners
Financial Planners
0.4%
0.4%

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