Stephen Anderson
Saline
Summary
Dynamic Mortgage Banker with extensive experience at First Merchants Bank, specializing in loan origination and relationship management. Proven track record of enhancing customer satisfaction through tailored mortgage solutions and effective communication. Skilled in credit analysis and document preparation, consistently exceeding sales targets while ensuring compliance and fostering strong client relationships.
Overview
27
27
years of professional experience
Work History
Mortgage Banker
First Merchants Bank
04.2022 - Current
- Evaluated customer financial profiles to determine mortgage eligibility and loan options.
- Facilitated communication between clients, underwriters, and real estate agents to streamline loan processes.
- Prepared and reviewed mortgage documents for accuracy and compliance with regulatory standards.
- Developed tailored mortgage solutions based on individual client needs and financial situations.
- Established strong relationships with clients through effective follow-up and personalized service strategies.
- Boosted customer satisfaction by providing tailored mortgage solutions and exceptional service.
Mortgage Loan Officer
Level One Bank
06.2018 - 06.2022
- Evaluated borrower financial profiles to determine mortgage eligibility and risks.
- Guided clients through loan application processes, ensuring compliance with regulations.
- Collaborated with underwriters to expedite loan approvals and resolve issues promptly.
- Developed tailored mortgage solutions based on client needs, enhancing customer satisfaction.
Mortgage Loan Officer
MB Financial Bank, NA
11.2015 - 06.2018
- Mentored junior loan officers on best practices for client engagement and documentation accuracy.
- Analyzed market trends to advise clients on optimal loan products and refinancing options.
- Implemented process improvements that reduced turnaround times for loan approvals significantly.
- Established strong relationships with real estate agents to generate new business opportunities.
Mortgage Loan Officer
Old National Bank
08.2014 - 10.2015
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
Mortgage Loan Officer
United Bank & Trust
01.2007 - 07.2014
- Managed risk effectively by adhering closely to compliance guidelines during all stages of the loan origination process.
- Developed and implemented marketing campaigns to generate new business opportunities.
- Customized marketing materials aimed at attracting potential mortgage applicants within specific target markets.
- Participated in ongoing professional development programs to continuously expand knowledge of the mortgage industry and enhance skills as a loan officer.
Mortgage Loan Officer
Fifth Third Bank
06.2006 - 01.2007
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Increased loan approval rates by efficiently managing pipeline and maintaining strong relationships with borrowers, realtors, and underwriters.
- Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
Mortgage Loan Officer
First Horizon Bank
11.2003 - 06.2006
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
Mortgage Loan Officer
UBT
11.1998 - 07.2003
- Negotiated favorable terms on behalf of clients, ensuring their long-term financial success with their mortgage loans.
- Reviewed loan files and updated to match current standards.
- Negotiated loan terms and conditions with clients to maximize profitability.
- Implementing effective time management techniques allowed me to consistently exceed monthly sales targets while maintaining high-quality customer service standards.
Education
Bachelor of Arts - Pychology And Criminal Justice
Grand Valley State University
Allendale, MI05-1991
Skills
- Loan structuring
- Loan servicing
- Purchasing processes
- Document preparation
- Reviewing documents
- Goal planning
- Credit analysis
- Relationship management
- Loan origination
- Mortgage lending
- Refinancing options
- Qualifying customers
- Originating home loans
- Evaluating programs
- Construction loans
- Debt-to-income analysis
- Refinancing expertise
Timeline
Mortgage Banker
First Merchants Bank
04.2022 - Current
Mortgage Loan Officer
Level One Bank
06.2018 - 06.2022
Mortgage Loan Officer
MB Financial Bank, NA
11.2015 - 06.2018
Mortgage Loan Officer
Old National Bank
08.2014 - 10.2015
Mortgage Loan Officer
United Bank & Trust
01.2007 - 07.2014
Mortgage Loan Officer
Fifth Third Bank
06.2006 - 01.2007
Mortgage Loan Officer
First Horizon Bank
11.2003 - 06.2006
Mortgage Loan Officer
UBT
11.1998 - 07.2003
Bachelor of Arts - Pychology And Criminal Justice
Grand Valley State University