Benjamin Melnick
Chicago
Summary
Resourceful Mortgage Loan Originator known for high productivity and efficient task completion. Specialize in risk assessment, regulatory compliance, and client relationship management. Excel in negotiation, problem-solving, and time management to consistently meet and exceed expectations in fast-paced environments. Prioritize clear communication and empathy to build trust and long-term relationships with clients. Proficient in cold calling leads
Overview
8
8
years of professional experience
1
1
Certification
Work History
Production and Development Specialist
Guaranteed Rate Affinity
02.2025 - Current
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- 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.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Customized marketing materials aimed at attracting potential mortgage applicants within specific target markets.
- Utilized CRM software proficiently for tracking leads, organizing client information, and planning follow-up communications.
Mortgage Loan Originator
Motto Mortgage
06.2023 - 02.2025
- Promoted mortgage products through marketing campaigns using multiple channels such as email blasts, social media posts.
- Provided comprehensive mortgage loan advice and guidance to potential borrowers.
- Researched and evaluated various loan products to determine the best fit for each customer.
- Advised customers on their financial options, including credit repair services and refinancing opportunities.
- Maintained a thorough knowledge of current lending regulations, policies, and procedures.
- Reviewed borrower documents such as tax returns, bank statements, employment history. to verify accuracy and completeness.
- Developed relationships with real estate agents, builders, title companies, attorneys and other referral sources.
Bar Manager
Freds garage
09.2017 - 10.2023
- Responsible for creating our craft cocktail menu
- Managed bar staff, trained new hires, and implemented disciplinary procedures when necessary.
- Reviewed monthly sales reports to identify areas of improvement and growth opportunities.
- Ordered and maintained an adequate supply of alcoholic beverages, glassware, garnishes, ice, napkins, straws and other items needed for drinks.
- Developed drink recipes and menus to meet customer preferences while optimizing profitability.
- Maintained accurate records of liquor inventory and purchases for budgeting purposes.
- Negotiated purchase agreements with vendors to obtain best pricing on supplies.
- Conducted weekly team meetings to discuss upcoming events, promotions and menu changes.
Mortgage Loan Originator/Processor/Closer
Molitor Financial Group
11.2020 - 06.2022
- Balance final figures
- Provided comprehensive mortgage loan advice and guidance to potential borrowers.
- Analyzed loan applications and supporting documents to determine eligibility for approval.
- Reviewed credit reports and financial information to evaluate creditworthiness of applicants.
- Performed detailed calculations to verify income, assets, liabilities and other data provided by applicants.
- Communicated with customers via telephone or email to obtain additional documentation required for loan processing.
- Submitted loan applications to underwriting department for review and approval process.
- Maintained accurate records in computer database system during loan origination process.
- Compiled loan closing packages according to lender's instructions.
- Collaborated with lenders, attorneys, real estate agents, and title companies to ensure successful closing of loans.
- Prepared Closing Disclosure statements and other required documents in accordance with federal regulations.
- Provided customer service to borrowers throughout the entire loan process.
Education
Bachelor's degree - Finance
Northeastern Illinois University
Chicago, IL01.2016
Skills
- Pipeline Management
- Credit evaluation
- Loan Processing
- Referral Generation
- Sales Development
- Relationship selling
- Negotiation Tactics
- Financial Analysis
- Desktop Underwriter expert
- Document Review
- Licensed Mortgage Loan Originator
- Credit check knowledge
- Business Administration
- Operations Management
- Staff Development
- Customer Relationship Management (CRM)
- Schedule Preparation
- Staff Training and Development
- Verbal and written communication
Certification
- NMLS Illinois License
Timeline
Production and Development Specialist
Guaranteed Rate Affinity
02.2025 - Current
Mortgage Loan Originator
Motto Mortgage
06.2023 - 02.2025
Mortgage Loan Originator/Processor/Closer
Molitor Financial Group
11.2020 - 06.2022
Bar Manager
Freds garage
09.2017 - 10.2023
Bachelor's degree - Finance
Northeastern Illinois University
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