DANIEL POSEHN
Fair Oaks
Summary
Dedicated and articulate individual adept at analyzing loan applications, assessing creditworthiness and closing loans. Experienced in providing financial advice, developing loan agreements and navigating the loan process. Committed to excellence and ensuring a positive experience for every client.
Overview
25
25
years of professional experience
Work History
Mortgage Advisor
Generation Home Loans
11.2024 - Current
- Leveraged strong networking skills to cultivate relationships with industry professionals, expanding referral sources and strengthening the company''s presence within the local market.
- Conducted thorough risk assessments on potential borrowers, safeguarding the company''s financial interests while providing appropriate financing options.
- Ensured compliance with all regulatory requirements throughout each step of the mortgage application process, protecting both clients and the company from potential legal issues.
- Conducted regular follow-ups with existing clients to ensure their continued satisfaction after closing on their mortgages and addressing any concerns that arose.
- Monitored economic trends and market conditions to provide accurate insights into potential shifts affecting mortgage rates and lending opportunities.
- Maintained a high level of industry knowledge by attending relevant conferences and workshops, ensuring accurate and up-to-date advice for clients.
Mortgage Consultant
Wells Fargo Home Mortgage
10.2008 - 07.2024
- Built relationships with real estate agents, brokers, builders and other referral partners
- Maintained current knowledge of local and federal laws, regulations and guidelines related to mortgages
- Explained to borrowers different types of loans and credit options available and terms of services
- Negotiated and locked interest rates
- Monitored progress of loans throughout the processing cycle including review of appraisals and title reports
- Developed strong customer service skills and ability to build relationships with clients
- Conducted risk assessment of loan applications and provided recommendations
- Facilitated smooth transitions between pre-qualification and pre-approval stages through closing
Licensed Real Estate Agent & Mortgage Loan Officer
PMT Company
02.2003 - 08.2008
- Prepared and guided clients through contracts, escrow paperwork, and deeds
- Guided and assisted buyers or sellers throughout entire transaction process
- Collaborated closely with lenders, appraisers, title companies, attorneys and other professionals throughout the sales process
- Acted as intermediary in negotiations between buyers and sellers
- Advised clients on market conditions, prices, mortgages, legal requirements, and related matters
Wholesale Sales Representative
Countrywide Home Loans
03.2000 - 02.2003
- Developed strong customer relationships and maintained a high level of service
- Provided training sessions to educate staff on best practices for selling products
- Generated new leads through cold-calling, networking, and referrals
- Demonstrated excellent verbal communication skills when dealing with customers
Education
Bachelor of Science (B.S.) - Business & Agriculture
The University of Arizona
Tucson, AZ06.1997
Skills
- Relationship building and management
- Document Review
- Loan Origination
- Real estate knowledge
- Sales expertise
- Credit analysis
- Loans
- Loan Processing
- Goal-Oriented
- Teamwork and Collaboration
Timeline
Mortgage Advisor
Generation Home Loans
11.2024 - Current
Mortgage Consultant
Wells Fargo Home Mortgage
10.2008 - 07.2024
Licensed Real Estate Agent & Mortgage Loan Officer
PMT Company
02.2003 - 08.2008
Wholesale Sales Representative
Countrywide Home Loans
03.2000 - 02.2003
Bachelor of Science (B.S.) - Business & Agriculture
The University of Arizona
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