Christopher Mackin
Santa Monica
Summary
Dynamic Mortgage Loan Officer with over five years at Bank of America, excelling in conventional and jumbo loan products. Proven track record of exceeding production goals while fostering strong relationships with clients and real estate partners. Adept in financial analysis and effective communication, ensuring tailored mortgage solutions for diverse clientele.
Overview
9
9
years of professional experience
Work History
Business Solutions Advisor
Bank of America
Beverly Hills
01.2024 - 11.2024
- Opened new accounts for business banking customers; maintained account records in accordance with established protocols.
- Cross-sold bank products such as credit cards, debit cards, and lending options to existing customers.
- Assisted clients with online banking questions or concerns; provided instructions on how to use the bank's digital services effectively.
- Identified customer needs and provided appropriate business banking solutions and services.
Mortgage Loan Officer
Bank of America, N.A.
West Hollywood
08.2022 - 01.2024
- Manage the end-to-end mortgage process for a diverse portfolio of clients.
- Maintain deep knowledge of current lending products, interest rates, and industry trends to provide expert financial advice to prospective homeowners.
- Coordinated with clients, real estate agents, internal processing, and escrow offices to ensure timely loan closings.
- Guided clients on banking products and services, aligning solutions with their financial goals.
Mortgage Loan Officer
Wells Fargo Bank, National Association
El Segundo
01.2022 - 09.2022
- Facilitated residential mortgage loans, ensuring compliance with federal and state regulatory guidelines to mitigate risk.
- Collaborated with underwriters and processors to expedite loan approvals and closings, enhancing customer satisfaction.
- Cultivated relationships with real estate agents and industry partners in El Segundo, driving referral business and expanding network.
Mortgage Loan Officer
Bank of America, N.A.
Los Angeles
10.2021 - 01.2022
- Guided clients in selecting optimal loan programs tailored to financial situations, facilitating home purchases and refinancing.
- Achieved monthly production goals and maintained high customer satisfaction, ensuring reliable service delivery.
- Delivered mortgage solutions for over five years in Los Angeles market, enhancing client access to financing options.
Junior Loan Officer / Mortgage Associate
DAS Acquisition Company, LLC
St. Louis
08.2015 - 10.2016
- Initiated career in mortgage lending, gaining foundational knowledge in loan origination and Missouri market dynamics.
- Conducted initial client interviews and gathered necessary financial documentation for loan applications.
- Processed loan applications and verified financial documents for clients.
- Assisted clients in understanding loan options and terms.
- Reviewed credit reports to assess borrower eligibility for loans.
Education
Skills
- Conventional & Jumbo Loan Products
- FHA & VA loan Products
- Self Employed Borrowers
- First-Time Homebuyer Programs
- NMLS Regulations, TRID, RESPA
- Effective communication
- Attention to detail
- Fair Lending Laws
- Relationship Management
- Financial Analysis
- Strategic Planning
- Complex Problem Solving
- Mortgage Loan Origination Systems (LOS)
- CRM platforms
Affiliations
- Technical Assistant for LA Breakers FC - BU13
Timeline
Business Solutions Advisor
Bank of America
01.2024 - 11.2024
Mortgage Loan Officer
Bank of America, N.A.
08.2022 - 01.2024
Mortgage Loan Officer
Wells Fargo Bank, National Association
01.2022 - 09.2022
Mortgage Loan Officer
Bank of America, N.A.
10.2021 - 01.2022
Junior Loan Officer / Mortgage Associate
DAS Acquisition Company, LLC
08.2015 - 10.2016