Jeffrey Davis
Clarkson
Summary
Dynamic loan officer with over 25 years of experience in financial services. Expertise in strategic thinking and problem-solving, effectively guiding clients through complex loan processes while maintaining strong relationships with stakeholders to drive business growth. Results-driven professional with a solid background in market analysis and lending regulations. Adept at delivering clear financial insights and fostering client relationships, ready to leverage expertise in loan origination to enhance operational efficiency and profitability. Respectful loan officer with several years of hands-on experience evaluating and authorizing various loans. Dependable professional polished in assembling loan packages, initiating loan applications and analyzing loan programs to match borrower's profile. Communicative team player with in-depth knowledge of banking products and associated services.
Overview
25
25
years of professional experience
Work History
Senior Loan Officer
National Mortgage Listing Service
Frankfort
08.2000 - Current
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
- Provided guidance to customers regarding loan products, eligibility requirements, application processes, documentation requirements.
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Presented complex financial concepts in an easy-to-understand manner for customers who have limited understanding of banking terminology.
- Maintained strong knowledge base of lending regulations, best practices and industry trends.
- Conducted comprehensive market analysis to identify emerging trends and opportunities for loan products.
- Reviewed credit reports to assess borrower eligibility for loans.
- Communicated regularly with clients throughout the loan approval process.
- Guided junior loan officers in best practices and regulatory updates.
- Developed training materials for new staff on mortgage procedures and policies.
- Attended networking events and conferences in order to build relationships within the industry.
- Negotiated terms and conditions of loans with clients, including interest rates and repayment plans.
- Developed relationships with prospective borrowers through cold-calling activities and referrals from other sources.
- Conducted periodic reviews of existing loans to ensure compliance with established policies and procedures.
- Analyzed financial information provided by clients to determine repayment ability and appropriate loan amount.
- Responded promptly and accurately to inquiries from customers regarding their accounts and services offered by the bank.
- Created alliances and built relationships with many financial institutions and real estate-related professionals in B2B and B2C.
- Participated actively on committees focused on developing strategic initiatives aimed at increasing profitability across various departments within the organization.
- Researched potential new markets for loan product sales opportunities.
- Managed a portfolio of high-value commercial loans in order to maximize returns while minimizing risks.
- Prepared detailed reports for management on current loan portfolio performance trends.
- Collaborated with internal teams such as underwriting, legal, operations and marketing in order to ensure timely completion of loan transactions according to established standards and procedures.
- Adhered to federal and state compliance guidelines relative to retail mortgage lending.
- Stayed abreast of lending regulations, industry trends and market rates.
New Business Development Consultant
Clayton Homes,Iserve Lending, LoanDepot
Louisville
01.2008 - 01.2022
- Cultivated relationships with potential clients to identify new business opportunities.
- Conducted market research to analyze industry trends and competitor strategies.
- Developed tailored proposals to meet specific client needs and preferences.
- Collaborated with cross-functional teams to enhance service delivery for clients.
- Presented business development strategies to senior management for approval.
- Attended networking events to promote brand awareness and attract new clients.
- Utilized CRM software to track leads and manage customer interactions effectively.
- Conducted market research to identify potential customers and industry trends.
- Drafted project briefs outlining the scope of work required for successful implementation of new projects.
- Researched competitive landscapes to ensure proposed solutions are viable and remain competitive in the marketplace.
- Cultivated relationships with external organizations such as trade associations, universities, government agencies. in order to establish strategic partnerships which would benefit both parties involved in launching a new venture.
- Negotiated contracts with vendors, suppliers, and other stakeholders in support of new business initiatives.
- Analyzed industry trends and identified areas for expansion into new markets.
- Monitored industry developments related to emerging technologies or regulatory changes that may affect future plans for launching a new venture.
- Developed business plans and strategies to promote new product launches.
- Established relationships with key contacts within target industries to facilitate the introduction of new products or services.
- Organized meetings with internal stakeholders to discuss current performance levels and strategize on ways to increase revenue streams from existing customers.
- Implemented best practices when it comes to developing high-quality products and services that meet customer needs while also meeting budget constraints.
- Conducted market research and identified potential opportunities for new business development.
- Provided ongoing support after launch date by troubleshooting any issues that arise as well as identifying additional opportunities for growth.
- Developed pricing structures for newly developed products and services based on market analysis results and organizational goals.
- Drove business development objectives through creation and maintenance of watchlist or database of strong future prospects to match qualified consultants and contractors with appropriate existing clients, enhance business goals and generate satisfaction of service.
- Established strong client relationships to drive business development.
- Set up potential client contacts, cultivated relationships, and followed through on service needs.
- Stayed current on company products and services to provide top-notch expertise to customers.
- Managed sales funnel processes through initial engagement with prospective customers to ascertain needs, determine solutions and establish new business relationships.
- Increased bottom-line profitability by growing customer base and capitalizing on upsell opportunities.
- Provided plan pitches and investment strategies to potential partners to raise capital.
- Implemented unique methods and methodologies, which helped reduce, and resolve issues.
- Collected, tracked and evaluated current business and market trend data.
- Assessed employees through on-site observation and interviews to determine strengths and weaknesses in work performance, methods, and team functions.
Revenue Manager
Stockton Mortgage, Peoples Home Equity
Nashville
04.2009 - 03.2011
- Developed pricing strategies to optimize revenue and market share.
- Analyzed market trends to forecast demand and adjust pricing models.
- Managed revenue management systems to streamline data processing and reporting.
- Conducted competitive analysis to identify opportunities for growth in the market.
- Reviewed financial reports to assess performance against revenue targets.
- Implemented process improvements to enhance operational efficiency in revenue management.
- Managed the forecasting of monthly, quarterly and yearly revenues.
- Developed processes and procedures for improving operational efficiency in order to increase profits.
- Provided guidance and support to sales teams regarding pricing policies, discounts, promotions.
- Developed strategies for managing risks associated with fluctuating exchange rates or other economic factors.
- Implemented systems and tools that improved accuracy of financial reporting related to revenue streams.
- Created reports on key performance indicators related to revenue generation efforts.
- Developed strategies to drive revenue growth and maximize profitability.
- Assisted with budgeting activities by providing accurate forecasts of expected income streams.
- Negotiated contracts with external partners such as distributors or resellers on behalf of the organization.
- Identified potential opportunities for expanding into new markets or developing new partnerships.
- Established relationships with vendors in order to secure favorable terms for goods and services purchased by the company.
- Conducted research on target markets to determine appropriate pricing strategies and tactics.
- Performed regular audits of invoices, contracts, orders. in order to ensure compliance with established policies.
- Created financial management mechanisms to minimize financial risk to business.
- Managed relationships with tax authorities, bankers and auditors.
- Developed or analyzed information to assess current or future financial status of firms.
- Developed invoicing systems and internal controls to boost billing efficiencies.
- Analyzed actual financial results to budget, preparing variance reporting to functional groups.
- Built financial models to allocate resources, forecast cash and investment needs and make capital budgeting decisions.
- Used hedging to mitigate financial risks related to interest rates on company's borrowings.
- Checked payroll, vendor payments and other accounting disbursements for accuracy and compliance.
- Invested funds and recommended appropriate dividend issuances based on historical dividend patterns and expected cash flows.
- Coordinated preparation of external audit materials and external financial reporting.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
- Created and updated financial reports on frequent basis to present information to leadership teams.
Education
Bachelor of Science - Business Administration And Management
Sullivan College
Louisville, KY12-1995
Skills
- Loan origination
- Credit analysis
- Lending regulations
- Market analysis
- Training development
- Customer relationship management
Timeline
Revenue Manager
Stockton Mortgage, Peoples Home Equity
04.2009 - 03.2011
New Business Development Consultant
Clayton Homes,Iserve Lending, LoanDepot
01.2008 - 01.2022
Senior Loan Officer
National Mortgage Listing Service
08.2000 - Current
Bachelor of Science - Business Administration And Management
Sullivan College