Matthew Goforth
Charlotte
Summary
Experienced Loan Officer dependable in building customer pipeline and exceeding targeted goals. Adept at assessing customer needs, establishing value in company services within clients, and guiding those customers through loan process. Well versed in handling high stress and complex financial transactions using in-depth knowledge of loan products, services and lending regulations.
Overview
13
13
years of professional experience
Work History
Senior Loan Offier
Astar Home Capital
03.2023 - 06.2024
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Explained very technical financial information to applicants in easy to understand language.
- Worked with underwriters to fix application problems and resolve issues.
- Submitted loan applications to underwriter for verification and recommendations.
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
Firearm Instructor/Owner
Goforth and Carry Firearms Instruction
01.2015 - Current
- Managed day-to-day business operations.
- Instructed +500 students in proper firearms safety, handling, and operation.
- Taught and evaluated 22 local companies in active shooter exercises and response.
- Provided concealed and fundamental skills to clietns
- Ensured continual training for all students to build/maintain their established skills.
Senior Loan Consultant
Lakeview Lending
07.2021 - 03.2022
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Submitted loan applications to underwriter for verification and recommendations.
- Maintained strict confidentiality of bank records and client information.
- Recommended loan approvals and denials based on customer loan application reviews.
- Advised clients on mortgage, education and personal loans.
- Monitored pipelines to track and log status of loans.
- Explained very technical financial information to applicants in easy to understand language.
Senior Loan Officer
Ladera Lending
07.2020 - 07.2021
- Proactively identified solutions for customers experiencing credit issues.
- Monitored pipelines to track and log status of loans.
- Assisted clients with improving financial health by consulting them on consolidation programs offered
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Submitted loan applications to underwriter for verification and recommendations.
- Originating 65 loans, funding 26.7 million
Senior Loan Officer
HomeFinity
08.2019 - 07.2020
- Developed and maintained relationships with local real estate agents.
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Submitted loan applications to underwriter for verification and recommendations.
- Explained very technical financial information to applicants in easy to understand language.
- Originating 55 loans, funding 9 million.
Senior Loan Officer
Lowrates.com
07.2018 - 07.2019
- Start-up Lender; helped to establish lead flow through Bankrate, Lending Tree, and others.
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Advised clients on mortgage program options and opportunities for consolidation of other outstanding debts
- Originating 55 loans, funding 8.7 million.
Home Loan Consultant
Home Point Financial
07.2016 - 06.2018
- Explained very technical financial information to applicants in easy to understand language.
- Compiled closing packages for drafting and presentation accuracy.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Originated 120 loans; funding 34 million
Financial Specialist
United States Air Force
01.2011 - 12.2014
- Performed financial management activities through the finance office at Hanscom AFB.
- Maintained financial records for pay and travel transactions.
- Operated and maintained single staffed office, responsible for providing payroll assistance to over 2500 employees working at Hanscom AFB, MA.
- Executed evaluation of 5,000+ pay records; received Outstanding Unit award during base evaluation.
- Executed financial assurance audits and implemented new control points and metrics to support business changes.
Education
High School Diploma -
Independence High School
Charlotte, NC2010
Skills
- Automated Underwriting System (AUS)
- Credit History Review
- Loan File Review
- Financial History Analysis
- Income Evaluation
- Excellent Knowledge of Mortgage Guidelines
- Low Loan Fallout
- Document Analysis
- Expert in Encompass and Optimal Blue
- Sales Development
- Credit Check Knowledge
Timeline
Senior Loan Offier
Astar Home Capital
03.2023 - 06.2024
Senior Loan Consultant
Lakeview Lending
07.2021 - 03.2022
Senior Loan Officer
Ladera Lending
07.2020 - 07.2021
Senior Loan Officer
HomeFinity
08.2019 - 07.2020
Senior Loan Officer
Lowrates.com
07.2018 - 07.2019
Home Loan Consultant
Home Point Financial
07.2016 - 06.2018
Firearm Instructor/Owner
Goforth and Carry Firearms Instruction
01.2015 - Current
Financial Specialist
United States Air Force
01.2011 - 12.2014
High School Diploma -
Independence High School
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