Summary
Overview
Work History
Skills
Hobbies and Interests
References
Proficiency
Timeline
Generic

Roberto Aleman

Frederick

Summary

Dynamic Branch Manager with extensive experience at Fidelity Direct Mortgage, adept at mortgage processing and regulatory compliance. Proven track record in relationship management and team leadership, successfully facilitating workshops to enhance financial literacy. Recognized for optimizing loan operations, ensuring timely closings, and delivering exceptional client satisfaction.

Overview

20
20
years of professional experience

Work History

Branch Manager

Fidelity Direct Mortgage
Gaithersburg
06.2024 - Current
  • Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
  • Met with applicants to obtain information for loan applications and answer questions about loan process.
  • Helped clients fill out loan applications and find ideal loan options.
  • Ensured compliance with federal, state, local laws and regulations related to mortgage lending activities.
  • Communicated regularly with customers about status updates or changes in their loan product options.
  • Kept detailed records regarding approved, denied and received loan applications.
  • Ensured compliance with federal and state lending regulations.
  • Coordinated with underwriters for loan approval and final decision-making.
  • Facilitated workshops and seminars on mortgage products and financial literacy.
  • Developed and maintained relationships with clients to ensure customer satisfaction with loan services.
  • Established and nurtured relationships with real estate agents and other industry professionals.
  • Educated customers regarding actions and strategies for debt repayment.
  • Monitored loan progress, ensuring timely processing and closing.

Branch Manager

City Lending Inc
Frederick
04.2023 - 05.2024
  • Met with applicants to obtain information for loan applications and answer questions about loan process.
  • Processed challenging loan applications for first-time borrowers, self-employed applicants and borrowers with problematic credit histories.
  • Kept detailed records regarding approved, denied and received loan applications.
  • Researched discrepancies between customer data provided by third-party vendors versus what was reported by the borrower in order to resolve any issues quickly and accurately.
  • Developed and maintained relationships with clients to ensure customer satisfaction with loan services.
  • Met with applicants to obtain information for loan applications and answer questions about processes.
  • Educated customers regarding actions and strategies for debt repayment.
  • Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
  • Maintained updated knowledge of current industry standards and trends related to mortgage products offered by the company.
  • Stayed abreast of lending regulations, industry trends and market rates.
  • Ensured compliance with federal, state, local laws and regulations related to mortgage lending activities.
  • Addressed and resolved applicant and borrower queries throughout the loan cycle.

Branch Manager

Alterra Home Loans
Frederick
02.2020 - 03.2023
  • Met with applicants to obtain information for loan applications and answer questions about loan process.
  • Ensured compliance with federal, state, local laws and regulations related to mortgage lending activities.
  • Communicated regularly with customers about status updates or changes in their loan product options.
  • Kept detailed records regarding approved, denied and received loan applications.
  • Met with applicants to obtain information for loan applications and answer questions about processes.
  • Ensured compliance with federal and state lending regulations.
  • Coordinated with underwriters for loan approval and final decision-making.
  • Facilitated workshops and seminars on mortgage products and financial literacy.
  • Advised borrowers on how best to structure their mortgages in order to minimize costs while maximizing benefits.
  • Analyzed new markets and developed referral networks to locate new loan prospects.
  • Established and nurtured relationships with real estate agents and other industry professionals.
  • Developed and maintained relationships with clients to ensure customer satisfaction with loan services.
  • Educated customers regarding actions and strategies for debt repayment.
  • Monitored loan progress, ensuring timely processing and closing.
  • Maintained up-to-date knowledge of various loan products and compliance regulations.

Branch Manager

Apex Home Loans
Rockville
08.2018 - 02.2020
  • Addressed and resolved applicant and borrower queries throughout the loan cycle.
  • Developed and maintained relationships with local real estate agents.
  • Provided guidance on various types of mortgages such as FHA loans, VA loans, conventional loans.
  • Informed customers of loan application requirements and deadlines.
  • Interacted with title companies, attorneys, surveyors and other third parties involved in the loan process.
  • Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility.
  • Attended industry events and seminars in order to stay abreast of changes in the mortgage banking industry.
  • Improved loan processing times by streamlining application procedures.
  • Ensured compliance with all federal, state and local regulations related to mortgage lending.
  • Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
  • Educated customers on various aspects of mortgage financing options available.
  • Maintained current knowledge of secondary market trends, government programs and other available financing sources.
  • Developed relationships with real estate agents, builders and other referral sources in order to generate business leads.
  • Facilitated workshops and seminars on mortgage products and financial literacy.
  • Coordinated with underwriters for loan approval and final decision-making.
  • Met with applicants to obtain information for loan applications and answer questions about processes.
  • Helped clients fill out loan applications and find ideal loan options.

Branch Manager

Movement Mortgage
Frederick
11.2013 - 08.2018
  • Self -Produce Mortgage Leads
  • Meet Clients and Originate Mortgage loans
  • Structure and price Mortgages for clients based on individual Characteristics
  • Negotiated terms and conditions of loans with clients, including interest rates and repayment plans.
  • Updated client account information and records in company databases.
  • Evaluated and approved loan applications based on established criteria.
  • Informed customers of loan application requirements and deadlines.
  • Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
  • Adhered to federal and state compliance guidelines relative to retail mortgage lending.
  • Researched investor guidelines and kept up to date on program changes that affected loan processing or origination.
  • Performed ongoing analysis of customer needs in order to develop tailored solutions that meet their objectives.
  • Conducted periodic reviews of existing loans to ensure compliance with established policies and procedures.

Branch Manager

Chesapeake Mortgage DBA Prime Lending
Frederick
02.2011 - 09.2013
  • Met with applicants to obtain information for loan applications and answer questions about loan process.
  • Helped clients fill out loan applications and find ideal loan options.
  • Ensured compliance with federal, state, local laws and regulations related to mortgage lending activities.
  • Communicated regularly with customers about status updates or changes in their loan product options.
  • Met with applicants to obtain information for loan applications and answer questions about processes.
  • Ensured compliance with federal and state lending regulations.
  • Coordinated with underwriters for loan approval and final decision-making.
  • Facilitated workshops and seminars on mortgage products and financial literacy.
  • Advised borrowers on how best to structure their mortgages in order to minimize costs while maximizing benefits.
  • Established and nurtured relationships with real estate agents and other industry professionals.
  • Developed and maintained relationships with clients to ensure customer satisfaction with loan services.
  • Monitored loan progress, ensuring timely processing and closing.

Sr. Loan officer – Branch Manager

Chesapeake Mortgage – DBA American Home Bank
Hagerstown
01.2005 - 02.2011
  • Self -Produce Mortgage Leads
  • Meet Clients and Originate Mortgage loans
  • Structure and price Mortgages for clients based on individual Characteristics
  • Manage and controlled the day to day operations
  • Manage and crafted the budget for the branch
  • Recruited new Loan officers for the branch

Skills

  • MS Office Outlook
  • Mortgage processing
  • MS Office Word
  • MS Office Excel
  • Encompass
  • Regulatory compliance
  • Loan underwriting
  • Financial literacy education
  • Relationship management
  • Team leadership
  • Certified financial Advisor
  • Community networking
  • Work planning
  • Problem-solving abilities
  • Task prioritization
  • Decision-making

Hobbies and Interests

  • Very active in the Hispanic Community to inform and help home buyers make their dream of becoming home owners a reality.
  • Active soccer player and Coach at times
  • Enjoy Fishing, hiking and most outdoor sports

References

References are available on request.

Proficiency

  • MS Office Outlook, Word, Excel
  • Mortgage Software: Calyx Point, PCL, Encompass

Timeline

Branch Manager

Fidelity Direct Mortgage
06.2024 - Current

Branch Manager

City Lending Inc
04.2023 - 05.2024

Branch Manager

Alterra Home Loans
02.2020 - 03.2023

Branch Manager

Apex Home Loans
08.2018 - 02.2020

Branch Manager

Movement Mortgage
11.2013 - 08.2018

Branch Manager

Chesapeake Mortgage DBA Prime Lending
02.2011 - 09.2013

Sr. Loan officer – Branch Manager

Chesapeake Mortgage – DBA American Home Bank
01.2005 - 02.2011

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Roberto Aleman