Real Estate Loan Consultant

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co ast.net

TED L. OBERSON

(***) ***

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Highly accomplished loan consultant with over 20 years' experience in mortgage lending, loan origination, loan approval, financial analysis and client relationship management.

• Strong referral network and expertise in expanding client base by developing and implementing sales initiatives and increasing client retention levels.

• Comprehensive background interviewing clients, analyzing credit information, evaluating financial status, reviewing property evaluations and credit exposure levels.

• Experience managing all aspects of loan process with multi-million dollar financial institutions including real estate residential loans, commercial loans and construction loans.

• Strong attention to detail and analyzing documents necessary to comply with applications.

• Proven track record for understanding and complying with all bank policies and procedures.

• Proficient in MS Word, LoanWorks and Point.

PROFESSIONAL SKILLS

LENDING

• Coordinate the loan documentation process from conception to completion; take loan applications, review credit histories, and acquire tax and banking documents and other supporting documents based on loan guidelines. Review active loans to ensure compliance to loan agreements.

Originate Fannie Mae and Freddy Mac mortgages and related loan applications.

• Analyze financial and personal data to prequalify, counsel and recommend appropriate residential lending products.

• Correspond, communicate and coordinate with applicants, in-house support staff and off-site service providers to facilitate timely loan processing and underwriting. SALES AND MARKETING

• Identify and refer cross-sell opportunities including commercial real estate, high-net-worth individuals, and other preferred clients through needs-based selling. Actively participate in all bank sales campaigns and promotions. Conduct sales calls.

• Continually develop new business and referral base through a variety of means including referrals, telemarketing, direct mail and other special marketing campaigns. NETWORKING

• Develop and implement marketing plan to expand new client base for SF Bay Area market.

• Develop and maintain all ties in San Mateo community to assist in promoting account relationships with targeted client base and meet specific loan volume goals.

• Develop long-term relationships with realtors, builders, bankers and other financial advisors to proactively solicit business and conduct sales-related activities to meet loan v•lume goals. .) ORK HISTORY

First Bank (C Home Loan Consultant

EverBank 5 !3/F-IVIortgage Loan Consultant

W.J. Bradley Home Loan Consultant

Bank of the West Mortgage Banker

PNC Mortgage, A Division of PNC Bank, Sr. Mortgage Loan Officer

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( Bank of America

Wells Fargo Home Mortgage

10/2013 — west-fit

10/2012 — 10/2013

03/2012 — 10/2012

07/2011 — 03/2012

07/2010 — 07/2011

Mortgage Loan Officer

12/2005 — 07/2010

Home Loan Consultant 06/2004 — 11/2005

EDUCATION

• Master of Business Administration, Baldwin-Wallace University, Berea, OH.

• Bachelor of Arts in Philosophy, University of San Francisco, San Francisco, CA.

• Liberal Arts, Santa Clara University, Santa Clara, CA. C tom- h

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