Licensed Mortgage Loan Officer with 4+ years originating $18M+ in residential loans annually across conventional, FHA, VA, and USDA products
Proven track record of building referral partnerships with 28+ real estate agents, generating 65% of loan pipeline through repeat business and referrals
Expert in complex loan structuring including jumbo loans up to $3M with 87% approval rate while maintaining 100% compliance with federal lending regulations
Specialized in first-time homebuyer programs with extensive knowledge of state and local down payment assistance programs in Arizona market
NMLS #1847293 with clean compliance record and zero HMDA violations over 4-year career
Licenses and Certifications
NMLS License #1847293 - Active in AZ, CA, NV
NMLS
2020
20-Hour SAFE Pre-Licensing Education
Arizona Mortgage Institute
March 2020
8-Hour Annual Continuing Education
Western States Training Academy
January 2024
FHA/VA Loan Processing Certification
Housing Finance Agency
2021
Certified Mortgage Planning Specialist (CMPS) - In Progress
CMPS Institute
Expected completion: June 2024
Work Experience
Desert Valley Mortgage Corporation, Phoenix, AZ
Senior Mortgage Loan Officer
March 2022 - Present
Originated average of $1.8M monthly in residential mortgages, consistently exceeding targets by 30% while maintaining perfect compliance record
Cultivated referral network of 28 real estate agents and 5 builder partnerships, generating 65% of loan pipeline through repeat business
Structured complex loan scenarios including jumbo loans up to $3M and investment properties with 87% approval rate
Reduced average loan processing time from 42 to 28 days through proactive communication with underwriting and title companies
Achieved President's Club status for 2022 and 2023 with $22M and $24M in annual production respectively
Maintained 0% early payment default rate and 96% customer satisfaction score across 200+ closed transactions
First National Bank, Scottsdale, AZ
Mortgage Loan Officer
June 2020 - March 2022
Originated $14M annually in residential loans across FHA, VA, conventional, and USDA products with 82% pull-through rate
Developed referral partnerships with 18 real estate agents through monthly market updates and first-time homebuyer seminars
Specialized in Arizona Housing Finance Authority programs, helping 45 first-time homebuyers achieve homeownership with down payment assistance
Processed 150+ mortgage applications with 99% accuracy, gaining comprehensive knowledge of underwriting requirements
Achieved Top Producer recognition in Q4 2021 with $4.2M quarterly production
Community Credit Union, Tempe, AZ
Loan Processor / Assistant Loan Officer
August 2019 - June 2020
Processed 180+ mortgage applications with 98% accuracy while learning loan origination fundamentals
Educated 60+ members monthly on mortgage products and qualification requirements, identifying qualified leads for senior loan officers
Assisted with loan structuring and documentation for complex scenarios including self-employed borrowers and investment properties
Maintained detailed pipeline tracking system resulting in 15% improvement in loan processing efficiency
Skills
Technical Skills
Encompass360 and Calyx Point loan origination systems
Desktop Underwriter (DU) and Loan Product Advisor (LPA) automated underwriting
Optimal Blue pricing engine and rate lock management
Salesforce CRM for pipeline management and referral partner tracking
Regulatory Knowledge and Loan Products
TRID, RESPA, and Fair Lending practices compliance
FHA, VA, USDA, and conventional loan products expertise
Jumbo and non-conforming loan structuring
Arizona Housing Finance Authority and local down payment assistance programs
Sales and Relationship Skills
Consultative selling for complex financial products
Referral partner development with real estate professionals
Borrower education on loan programs and qualification requirements
Pipeline management across multiple loan stages simultaneously
Education
Arizona State University, Tempe, AZ
Bachelor of Science in Finance
2019
GPA: 3.7/4.0 | Relevant Coursework: Real Estate Finance, Risk Management, Financial Markets, Business Ethics
Awards & Recognition
President's Club Award
Desert Valley Mortgage Corporation
2022, 2023
Top 8% nationally with $46M in funded loans across 285 transactions over two years
Maintained 0% early payment default rate and 96% average customer satisfaction score
Excellence in First-Time Homebuyer Services
Arizona Housing Finance Authority
2021
Recognized for helping 45 first-time homebuyers achieve homeownership through state assistance programs
Specialized in down payment assistance with 100% compliance rate and zero program violations
Top Producer Q4 2021
First National Bank
2021
Achieved highest quarterly production in branch history with $4.2M in funded loans
Exceeded quarterly target by 40% while maintaining 98% customer satisfaction rating
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