A Private Mortgage Banker is a specialized loan officer in home mortgages. The job description entails meeting potential clients and guiding clients through the mortgage application process. the duties vary based on the type of financial institution and type of client being served, however, a well-drafted Private Mortgage Banker Resume mentions the following common work activities – seeking new business for the banks, developing and maintaining referral relationships with various industry professionals such as developers and real estate agents, performing cold calls and sending out advertisements by mail; performing financial analysis and determining if the applicant is a good investment for the bank or not, and providing financial counseling to the clients.
Such professionals should be dedicated, and ambitious workers, and be self-motivated people. Those who want to work at this level should focus on the following – basic mathematical skills, working knowledge of MS Office Suite, knowledge of FHA and HUD guidelines, and knowledge of conventional and government guidelines in loan underwriting. Advanced degrees in Finance or economics provide a good credential for being considered for this occupation.
Objective : Private Mortgage Banker is responsible for managing a portfolio of individual mortgages and the corresponding relationships with borrowers, lenders, and services.
Partnered with FAs to provide advice and potential cash management and lending solutions to clients.
Built product awareness and understanding among Financial Advisors.
Partnered with Financial Advisors to profile their client base, identify and analyze business opportunities and succeed in growing new cash management and lending revenue.
Built, promoted, and maintained adequated pipeline of opportunities to meet all Private Banking targets, including, but not limited to production, balances, revenue, Advisor participation, units, etc.
Established a reputation for execution and excellence.
Gained confidence of FAs to fully develop the cash management and lending opportunities with their clients.
Developed and presented creative and intelligent solutions and advise in structuring client transactions or offering constructive alternatives.
Experience
2-5 Years
Level
Executive
Education
GED
Private Mortgage Banker Resume
Summary : Responsible for Managing pipeline to ensure service standards and financial goals are met, Transacting business in conformance with state and federal regulations such as, but not limited to, RESPA, HMDA, and Fair Lending.
Skills : Customer Service, Sales.
Description :
Worked daily with high net worth clients.
Kept clients aware of constant changes in the mortgage environment.
Worked hand and hand with the wealth team of the private bank.
Weekly met going over branches P & L, strategy, interest rates, marketing, the state of the current market and quarterly projections.
Advised clients which credit vehicle best fits their financial needs.
Worked closely with underwriters across the country.
Well versed on all aspects of the private bank as it pertains to loans which are either added to the bank's portfolio or packaged and sold in the secondary markets.
Experience
7-10 Years
Level
Management
Education
BS In Marketing
Private Mortgage Banker Resume
Summary : While VP of Marketing located, opened, and helped license over 100 loan officers and 3 branches while increasing sales by over 300%. Prospected and developed new business with Financial Advisors, resulting in consistent growth and profitability. Establishing solid client relationships with key decision-makers at all levels; providing customized solutions, personalized service and problem solving, resulting in strong client loyalty, referral business and increased market penetration.
Skills : Microsoft Office, Salesforce, CRM, SaaS,.
Description :
Specialized in jumbo mortgages for customers with financial profile of over $150,000 in income, $250,000 in net worth and $200,000 in liquid assets.
Originated first and second residential mortgages while following company policies and government regulations.
Built and maintained relationships with current and prospective referral sources.
Informed interested borrowers of mortgage products, services, policies and procedures and quoted product prices.
Underwrote detailed financial and credit data for loan approval.
Cross sold customers on products in Wells Fargo Premier Banking, Wells Fargo Private Client Services, and Wells Fargo Business Banking.
Developed and maintained both new and existing relationships with referral sources such as CPA's, attorneys, financial planners, realtors and prior clients.
Experience
10+ Years
Level
Senior
Education
Bachelor Of Arts
Private Mortgage Banker Resume
Objective : Responsible for coordinating all stages of the loan process with third parties like realtors, developers, and accountants, supporting financial advisors efforts to broaden their existing client relationships through additional products and services (also developing relationships for your own referrals).
Skills : Microsoft Office Suite, Financial Analysis, Change Management, Research And Investigative Analysis And Reporting, Business And Relationship Development, Sales.
Description :
Educated new and existing clientele of the company's products, policies, procedures, rates, and underwriting guidelines.
Analyzed customer credit reports and financial statements to match with appropriate loan programs and levels of risk.
Received customer's applications, quoted real time market rates and points, locked in loan rates.
Managed a monthly loan pipeline of over $10 million.
Establish and maintain relationships with local real estate agents, and local branch banking partners.
Exceeded customer's expectations with 26-30 day escrow.
Consulted with clients seeking to refinance or purchase property; helped customers determine the best mortgage product for their budget.
Experience
2-5 Years
Level
Executive
Education
Bachelor Of Art In Photography
Private Mortgage Banker Resume
Headline : Top producing Private Mortgage Banker with extensive years of sales, operations and management experience. Consistently in the top 1% for loans referred through Chase's Real Estate Owned network of Realtors. Skilled in building and sustaining client relationships utilizing the process of identifying needs, finding a solution to meet those needs and constructing detailed follow-up plans.
Skills : Encompass LOS, Microsoft Excel, Microsoft Office.
Description :
Interviewed prospective borrowers to determine financing objectives and goals.
Reviewed / Analyzed credit and financial data.
Discussed and selected the best available loan program the borrower is qualified for to purchase or refinance.
Collected supporting loan documentation as required to submit complete loan package to processing.
Routinely communicated with the borrower, buyer's agent, listing agent, insurance agent, and attorney to ensure a smooth loan transaction from initial loan application to loan closing.
Marketed and solicited new business from existing agents and builder relationships.
Pioneered Preferred Partner joint marketing campaigns to enhance market share and branding of territory.
Experience
5-7 Years
Level
Executive
Education
Bachelor Of Science
Private Mortgage Banker Resume
Objective : Obtain a Private Mortgage Banker position that will enable me to use my strong sales skills, management, and customer service background to create an amazing team environment that will always be top sales performers.
Skills : Microsoft Office Suite, Financial Analysis, Change Management, Research, And Investigative Analysis And Reporting, Business And Relationship Development.
Description :
Included finding new opportunities for mortgages, developing strong relationships with clients and referral partners and prevailing over competitors.
Consulted affluent clients with sound home financing solutions enabling them to leverage assets while complimenting their wealth management goals.
Provided home financing for a sophisticated client base spanning 50 states with loan amounts ranging from to multimillion.
Provided leverage to DWI and BWI leaders on initiative priorities.
Supported BWI Bankers with ongoing prospect identification, which includes coordinating information and communication with BWI/DWI leadership.
Identified opportunities to amplify J.P. Morgan to diverse communities.
Supported DWI and BWI leaders in developing partnership with recruitment to increase Black analyst pipeline and advisor hiring.
Experience
2-5 Years
Level
Executive
Education
Master Of Business Administration
Private Mortgage Banker Resume
Objective : As a Private Mortgage Banker, responsible for Obtaining and analyzing pertinent financial and credit data, Analyzing current rates and loan programs, and provides accurate and timely information to customers.
Cultivated new top-tier prospects via internal and SELF-generated relationships and leads.
Directed the sale of mortgage products, closing a high percentage of leads within a highly competitive demographic and market.
Navigated high net worth clients through the complete mortgage process from pre-qualification to closing, selling.
Reviewed credit reports, analyzed income statements and perform underwriting of income versus debt.
Reviewed credit reports, analyzed income statements and perform underwriting of income versus debt and combined asset worth.
Advised and consulted with bank managers and fellow personal bankers regarding the financial mortgage products and additional financial products and services.
Experience
2-5 Years
Level
Executive
Education
GED
Private Mortgage Banker Resume
Objective : Serving a firm that recognizes high energy and results-oriented individual, replete with expertise in marketing and field merchandising, whose ultimate drive is to exceed personal and company goals enriched with seasoned leadership, management, communication, and client interaction skills.
Informed prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures.
Received customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in.
Developed and maintained a high degree of visibility for WFHM in the marketplace.
Understood real estate appraisals, title reports, and real estate transactions.
Analyzed detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk.
Experience
2-5 Years
Level
Executive
Education
Bachelors
Private Mortgage Banker Resume
Objective : To obtain a challenging Private Mortgage Banker position that will utilize my proven skillset - leadership, team building, corporate strategy, analysis, communication, presentation, project management, relationship sales, motivation, problem-solving, customer focus, and market share management.
Skills : Planning Skills, Developing Skills.
Description :
Continuously pursued Wells Fargo training offerings to increase knowledge of company products, policies and procedures, and underwriting requirements.
Performed miscellaneous duties as needed and required.
Originated Community Reinvestment Act (CRA) loans in an assigned out of footprint (OFP) territory.
Developed referral relationships with realtors, builders, bankers, and other sources for the purpose of originating residential loans through ongoing sales efforts.
Taken mortgage applications, conduct preliminary underwriting reviews, and submit loan applications to processing.
Remained the front line contact with customers and realtors for follow up documentation needed to approve and close loan.
Informed customers of other products and services that meet their needs.
Experience
2-5 Years
Level
Executive
Education
MS
Private Mortgage Banker Resume
Summary : Seeking a Private Mortgage Banker position with an outstanding career opportunity that will offer a rewarding work environment along with a winning team that will fully utilize management skills.
Skills : Planning Skills, Analyst.
Description :
Spent a minimum of 50% of time conducting sales activities away from U.S. Bank locations.
Worked on knowledge of underwriting requirements for FNMA, FHLMC, FHA, VA, local bonding programs, and private investors, as gained through on-the-job training or some real estate brokerage experience.
Analyzed financial information.
Sourced and obtained first mortgage inquiries from external business sources using his/her network and COI, and targeted marketing and/or advertising efforts.
Conducted presentations at real estate office sales meetings, homebuyer's seminary or any other venue to solicit first mortgage business.
Interviewed applicants to develop information concerning their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk to the Bank.
Negotiated terms and conditions of loans with applicants.
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