Gregory Betts
Charlotte
Summary
Accomplished Loan Officer dependable in building customer base and exceeding business goals. Well-versed in loan products and customer engagement strategies. Pursues opportunities to build connections, increase lender revenue and cement loyalty.
Encompass is the main mortgage origination system I currently use and have 3 years experience in it.
Overview
21
21
years of professional experience
Work History
Senior Mortgage Consultant
Allied Mortgage Group
08.2024 - Current
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Maintained up-to-date knowledge on industry trends and regulations, consistently providing accurate information to clients during consultations.
- Reduced loan processing time, conducting thorough credit analysis and collaborating with underwriters for swift approvals.
- Regularly updated CRM system with accurate client data, enabling precise tracking of communications and efficient pipeline management.
- Conducted insightful market research, identifying new mortgage products tailored to meet specific client requirements and preferences.
- Streamlined the loan origination process for faster processing times, implementing efficient document management systems.
- Managed a diverse portfolio of mortgages, expertly navigating complex scenarios to find the best financing solutions for each client''s unique needs.
- Enhanced client retention through consistent follow-up and timely communication, ensuring all questions were addressed promptly and accurately.
- Guided clients through the entire mortgage application process, ensuring a seamless experience from pre-approval to closing.
- Consistently met monthly sales targets by proactively seeking new business opportunities and cultivating strong client relationships.
- Collaborated with other department professionals such as processors and closers for smooth transaction execution throughout the entire mortgage lifecycle.
- Demonstrated exceptional customer service skills, consistently receiving positive reviews from satisfied clients who referred others to my services.
- Minimized default risk by conducting thorough due diligence on each mortgage application, ensuring clients had the ability to repay their loans.
- Proactively identified potential bottlenecks in the loan process, implementing effective solutions that led to increased operational efficiency.
- Negotiated favorable loan terms for clients, skillfully navigating interest rate fluctuations and securing competitive pricing.
Senior Mortgage Consultant
New Rez LLC
11.2018 - 08.2024
- Originate Mortgages under home purchase and refinance
- Create and maintain client relationships
- Put clients into homeownership and or improve their financial situation under a refinance
- Customer service oriented
- Process mortgage application for full review of credentials
- Complete loan structure based on client's qualifications to find the loan product that best suits them and their situation
- Review Income, Assets, Debt to Income Ratio, and employment for loan approval
- Discussion of closing cost and source for cash to close
- Maintain a pipeline of clients as your line of business
- Create relationships with realtors.
Mortgage Loan Originator
Cardinal Financial Company
03.2018 - 11.2018
- Refinance Loan Officer
- Create and maintain client relationships
- Put clients into better financial situations by rate reduction or debt consolidation or both
- Customer service oriented
- Process mortgage application for full review of credentials
- Complete loan structure based on client's qualifications to find the loan product that best suits them and their situation
- Review Income, Assets, Debt to Income Ratio, and employment for loan approval
- Discussion of closing cost
- Maintain a pipeline of clients as your line of business.
Verizon Fios Consultant
Red Ventures Charlotte
02.2016 - 03.2018
- Provide consultation to potential clients regarding product availability and services
- Sales and enrollment of Verizon Fios to residential and commercial properties
- Provide education and design of client oriented and catered services
- Successfully compete and maintain high track record within a highly competitive sales environment.
Financial Analyst
Bank of America
06.2011 - 11.2015
- Independently managed portfolios of criticized and classified loans
- Portfolio sizes ranged from $7,000,000.00 - $14,000,000.00 respectively
- Performed risk evaluations, formulated and implemented resolution strategies by applying credit skills, product knowledge, and experiential judgement to assess credit risk
- Analyzed business and personal financial statements in conjunction with tax returns
- Presented management with initial risk assessments of portfolio loans
- Maximized recovery and minimized losses by negotiating creative debt restructuring plans to meet the needs of both the client and the bank while minimizing total credit and risk exposure
- Monitored lines of credit and ensured that loans were structured and priced consistently with bank policy while remaining within the risk framework guidelines.
Import Specialist
CH Robinson
10.2006 - 06.2011
- Ocean & Domestic Transportation Project Manager
- Implemented a cost-effective consolidation of Pacific Asian vendors to the United States involving ocean liner selection based on transit time, cost efficiency, port selection, and US customs domestic distribution
- Negotiated and implemented choice of trucker use under the consideration of maximizing trailer payload cost effectiveness
- Responsible for monitoring final move from U.S Warehouse to the client including tracking and communication
- Presented comprehensive data to upper management for review of cost-to-service ratio to be implemented in future.
Supervisor
US Airways / Air General
09.2004 - 10.2006
- Export Flight Coordinator
- Supervisor of office operations comprised of agents and all loading manifests for cargo to all U.S
- Airways European destinations as well as the Caribbean
- Dangerous Goods certified and responsible for reporting results for each flight including loading procedures
- Responsible for manifest delivery and comprehensive review for flight crew
- Coordinator of transportation for human remains and supervised loading procedures.
Education
Bachelor's Degree - Business Administration, Corporate Finance, International Business, & Business Management
Alfred University
05.2004
Associates Degree - Information Technology & Web Design, Information Technology & Web Design
Bryant & Stratton College
05.2000
Skills
- Microsoft Office- Microsoft Word, Excel, PowerPoint, Access, OneNote, Google
- Accounting systems - AIS, AS 400, AFS, ALS, Sabre
- Sales Force - Lead & Pipeline Management System
- Encompass - Mortgage Origination System - 3 years
- H2O - Mortgage Origination System - 2 years
- EPIC - Mortgage Origination System - 5years
- Octane - Mortgage Origination System - 1 years
- Accounting (6 years)
- Accounting systems (6 years)
- Excel (Over 10 years)
- Microsoft Office (Over 10 years)
- Microsoft Word (Over 10 years)
WORK AUTHORIZATION
Authorized to work in the US for any employer
PERSONAL INFORMATION
- Relocation: Anywhere
- Title: Senior Mortgage Consultant
Timeline
Senior Mortgage Consultant
Allied Mortgage Group
08.2024 - Current
Senior Mortgage Consultant
New Rez LLC
11.2018 - 08.2024
Mortgage Loan Originator
Cardinal Financial Company
03.2018 - 11.2018
Verizon Fios Consultant
Red Ventures Charlotte
02.2016 - 03.2018
Financial Analyst
Bank of America
06.2011 - 11.2015
Import Specialist
CH Robinson
10.2006 - 06.2011
Supervisor
US Airways / Air General
09.2004 - 10.2006
Associates Degree - Information Technology & Web Design, Information Technology & Web Design
Bryant & Stratton College
Bachelor's Degree - Business Administration, Corporate Finance, International Business, & Business Management
Alfred University
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