John Montgomery

Manager Director

Jem Loan Services

Woonona, NSW

01.1994 - Current

Developed and implemented strategies to originate mortgage loans from various sources.
Conducted financial analysis of loan applications to determine creditworthiness and eligibility for loan approval.
Negotiated terms and conditions with customers in order to secure optimal financing packages.
Established relationships with lenders, investors, underwriters and other key stakeholders in the lending process.
Facilitated communication between clients and lenders throughout the entire loan origination process.
Analyzed customer's financial information including income, assets, liabilities and credit history to assess risk profile.
Managed a portfolio of mortgage accounts ensuring that all documents were compliant with legal requirements.
Reviewed existing mortgages for refinancing opportunities or modifications based on current market conditions.
Provided guidance to borrowers regarding their individual financial situations and available options for securing financing solutions.
Maintained up-to-date knowledge of changing regulations related to mortgage products offered by lenders.
Developed marketing plans designed to promote services provided by the company as a Senior Mortgage Broker.
Advised customers on various types of mortgages such as fixed rate, adjustable rate, FHA and VA loans.
Created presentations detailing the advantages of different types of mortgage products.
Monitored changes in interest rates and advised clients accordingly.
Assisted in preparing paperwork necessary for closing transactions.
Evaluated potential risks associated with each loan application before submitting it for approval.
Researched new industry trends and best practices related to mortgage brokering services.
Identified areas where additional training was needed among staff members involved in the loan origination process.
Gathered client debt, credit and income information to determine loan eligibility.
Met with applicants to obtain information for loan applications and answer questions about loan process.
Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
Informed customers of application deadlines, approvals and denials.
Kept detailed records regarding approved, denied and received loan applications.
Located and suggested loan packages that met client needs and priorities.
Met with applicants to obtain information for loan applications and answer questions about processes.
Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
Reviewed credit histories from applicants and determined feasibility of granting requested loans.
Stayed abreast of lending regulations, industry trends and market rates.
Identified valuable solutions for customers with credit problems.
Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
Informed customers of loan application requirements and deadlines.
Verified client financial information to determine creditworthiness and loan eligibility.
Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
Updated client account information and records in company databases.
Reviewed client documentation and contracts for discrepancies and mistakes.
Complied applications and paperwork and double-checked for accuracy.
Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information.
Assessed financial means and desires of each client in order to set up appropriate mortgage packages.

Overview

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Manager Director

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Manager Director

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