JOSEPH BRACKEN
Annapolis
Summary
Dynamic Sr. Loan Officer with extensive experience at PRMG, excelling in Jumbo, VA, and FHA loans. Proven track record in relationship building and referral business development, leveraging FHLMC and FNMA guidelines to deliver exceptional client service. Adept at negotiation and ensuring expedient loan processing, consistently exceeding client expectations.
Dedicated and adaptable professional with a proactive attitude and the ability to learn quickly. Strong work ethic and effective communication skills. Eager to contribute to a dynamic team and support organizational goals.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Sr. Loan Officer
PRMG (Paramount Residential Mortgage Group)
Severna Park
12.2018 - Current
- Originated mortgages from start to finish, specializing in Jumbo, VA, and FHA assisting the processors in the loan process to see the loan transaction goes smoothly for the Client, and keeping them informed.
- Keeping up with mortgage market conditions, loan programs etc. to better serve Clients and add Value.
Sr. Loan Officer
PrimeLending
Annapolis
03.2018 - 07.2018
- Built referral business by meeting with local financial planning, home builders and real estate professionals.
Sr. Loan Officer
Movement Mortgage
Crofton
09.2016 - 02.2018
- Maintained strong relationships with real estate agents and referral partners.
Sr. Loan Officer
Nations Lending Corporation
Crofton
02.2016 - 08.2016
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
Sr. Loan Officer
PEOPLES BANK & TRUST
Owings Mills
05.2015 - 09.2015
- Assisted clients in selecting mortgage products that meet their financial needs.
Sr. Loan Officer
HOWARD BANK
Annapolis
07.2014 - 04.2015
- 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.
Sr. Loan Officer
EMERY FEDERAL CREDIT UNION
Owings Mills
01.2012 - 03.2014
- (Same position, branch changed affiliation from Eagle Nationwide Mortgage to Home Savings to Emery FCU)
- Originate residential purchase and refinance loans in a production-driven environment using inbound company-provided leads, outbound borrower follow-up, and referrals.
Sr. Loan Officer
HOME SAVINGS of AMERICA
Owings Mills
01.2011 - 07.2011
- Developed relationships with prospective borrowers through cold-calling activities and referrals from other sources.
Sr. Loan Officer
EAGLE NATIONWIDE MORTGAGE CO, DIV. OF EAGLE NATIONAL BANK
Owings Mills
06.2009 - 12.2010
- Provided guidance to customers regarding loan products, eligibility requirements, application processes, documentation requirements.
Sr. Loan Officer
MORTGAGESTAR, INC.
Annapolis
12.2007 - 06.2009
- Obtain and review all documentation required to close loans efficiently, including credit reports, income and asset verification, appraisals, and title documentation.
COMMUNITY FIRST BANK LOAN SERVICES
Pikesville
06.2007 - 12.2007
- Take complete mortgage applications by phone and structure accurate, compliant loan proposals.
JBL MORTGAGE NETWORK, LLC
Annapolis
01.2006 - 06.2007
- Conduct high-volume phone consultations to assess borrower needs and recommend appropriate loan products.
HEARTLAND HOME FINANCE
Pasadena
10.2005 - 01.2006
- Originate residential purchase and refinance loans in a production-driven environment using inbound company-provided leads, outbound borrower follow-up, and referrals.
Education
Business Management -
University of Delaware And Wilmington College
Skills
- FHLMC guidelines
- FNMA guidelines
- HUD guidelines
- FHA
- VA
- USDA
- Microsoft Office Suite
- Encompass
- CRM
- Organizational skills
- Computer skills
- Prospecting
- Sales presentations
- Customer needs assessment
- Relationship building
- Referral business development
- Sales closing
- Negotiation
- Expedience
- Follow-up
- Quality integrity
- Customer issue resolution
Certification
NMLS, 375927
Timeline
Sr. Loan Officer
PRMG (Paramount Residential Mortgage Group)
12.2018 - Current
Sr. Loan Officer
PrimeLending
03.2018 - 07.2018
Sr. Loan Officer
Movement Mortgage
09.2016 - 02.2018
Sr. Loan Officer
Nations Lending Corporation
02.2016 - 08.2016
Sr. Loan Officer
PEOPLES BANK & TRUST
05.2015 - 09.2015
Sr. Loan Officer
HOWARD BANK
07.2014 - 04.2015
Sr. Loan Officer
EMERY FEDERAL CREDIT UNION
01.2012 - 03.2014
Sr. Loan Officer
HOME SAVINGS of AMERICA
01.2011 - 07.2011
Sr. Loan Officer
EAGLE NATIONWIDE MORTGAGE CO, DIV. OF EAGLE NATIONAL BANK
06.2009 - 12.2010
Sr. Loan Officer
MORTGAGESTAR, INC.
12.2007 - 06.2009
COMMUNITY FIRST BANK LOAN SERVICES
06.2007 - 12.2007
JBL MORTGAGE NETWORK, LLC
01.2006 - 06.2007
HEARTLAND HOME FINANCE
10.2005 - 01.2006
Business Management -
University of Delaware And Wilmington College