Licensed Insurance Sales Agent at NorthStar Advisors (2023-02 – Present)
- Provides life insurance options to families looking for the security and protection, our policies provide.
- Consulting with seniors who called in after watching one of our commercials or social media ads, are pre-qualified, and are then transferred directly to me.
- Identify customer's needs based on their income.
- Maintain data with department on a timely basis.
- Analyzed product sales, eligibility of coverage, and the best plan that fits the customers' needs.
- Provided prompt, accurate, and friendly customer service to every customer
Licensed Insurance Sales Agent at Advise Bloom Insurance (2019-03 – 2021-05)
- Communicate Effectively with Owners, VP, and Managers and Employees.
- Prepared Weekly, Monthly, and Quarterly Reports.
- Prepared Insurance Quotes, and summary of Benefits.
- Evaluate risks financing alternatives, Identify customers' needs based on their income.
- Maintain data with department on a timely basis.
- Wrote Insurance policies for Clients who were interested in Health Insurance.
- Analyzed product sales, eligibility of coverage, and the best plan that fits the customers' needs.
- Provided prompt, accurate, and friendly customer service to every customer.
Branch Manager Loan Officer at New World Realty (2015-08 – 2019-03)
- Reviewed files for completeness, and adherence to Compliance Rules and Regulations.
- Responsible for Training and Mentoring New Loan Officers.
- Develop marketing material for Advertising.
- Create a Positive Image for Company through routes of Marketing and advertising.
- Contacted the borrowers to collect necessity documentation and act as a liaison between origination staff, underwriters and customers.
- Responsible for auditing Mortgage files to make sure they were in Compliance per State and Federal Guidelines.
Loan Origination Tester Proficiency Coach Trainer (PMO) at Newbold Advisors (2014-02 – 2015-08)
- Responsible for training Loan Processors, Loan Officers, Underwriters, Dispatch, Doc Drawers, Funders, and Closers on Encompass360 Software.
- Performed testing uploaded documents in Encompass360. (Reviewing, and testing documents from Loan Officers).
- Executed tests on newly developed or acquired software for Mortgage Implementation of Loan Application (1003), RESPA Disclosures per State, and Federal guidelines to evaluate its capabilities versus system requirements and documented specifications.
- Provided input to development group on findings for FHA Loans, Conventional Loans, 203K Loans, and USDA Loans etc. (Purchase or Refinances)
Mortgage Compliance Specialist at Real Estate Mortgage Network (REMN) (2011-06 – 2014-02)
- Performed audit and monitored all closed Mortgage transactions for INVESTORS, to ensure proper funds were distributed accurately to Clients Customers from Banks Lender's and or Title companies or Attorney Offices etc.
- Researched, analyzed and interpreted complex laws, regulations, and related commentaries.
- Prepared and distributed summary memorandums to senior and executive managers communicating the enacted legislation, including effective date and impacted lines of business.
- Assisted in the development and maintenance of compliance policy and procedures.
- Managed Special Projects as assigned by President, Vice-President, and Directors.
Branch Manager Sr. Loan Officer at Heritage Mortgage (2000-10 – 2011-06)
- Reviewed all the documents required to approve a Mortgage Loan, and work it from the Beginning to Clear to Close.
- Responsible for analyzing customer's debt-to Income Ratios, W2 s, Pay stubs, VOD, VOR, VOM, and VOE.
- Enforced that every file was audited for errors, and disclosures were signed and dated within the guidelines.
- Performed risk analysis and identify deficiencies, and make sure company meets and or exceeds our monthly production goals.
- Communicated with customers face to face, as well as over the phone, and take a full Loan Application from customer buyer Approve Investors for Loans.
- Trained New Loan Officers on Calyx Software Also Integrated to Encompass Software.
- Responsible for auditing customers Debt-To-Income Ratio, and make sure they met State and Federal Guidelines.
