Tammy Switzer
Edgewater
Summary
Dynamic Home Loan Consultant with extensive experience at Sandy Spring Bank, excelling in customer relations and financial analysis. Proven track record in managing loan pipelines and cultivating referral networks, enhancing client satisfaction. Proficient in automated underwriting and strategic problem-solving, crafting personalized mortgage solutions that fulfill diverse borrower expectations.
Overview
22
22
years of professional experience
Work History
Home Loan Consultant for 10 Branches
Sandy Spring Bank
08.2024 - Current
- Managed relationships across 10 Maryland branches to facilitate mortgage loan referrals.
- Negotiated loan terms with borrowers, aligning with individual needs and company policies.
- Conducted borrower interviews to assess eligibility for diverse loan types.
- Cultivated client relationships to enhance customer satisfaction throughout lending process.
- Delivered exceptional customer service during all phases of lending.
- Reviewed applicant credit histories to evaluate loan feasibility.
- Specialized in equity lending and HELOCs, offering education on CP and renovation loans.
- Oversaw loan pipeline from initiation to closing, ensuring timely processing of loans.
Renovation Lending Specialist Team Lead / Equity
Prime Lending (EPM) L L C
12.2021 - 04.2023
- Company Overview: Atlanta GA (Remote)
- All aspects of Renovation Lending with a small Team handling all Renovation loans from beginning to end in Retail Branches and Wholesale Department.
- Built trusting relationships with HUD Consultants/Contractors and borrowers during the renovation process.
- Provided support and training for Sales, Underwriting and Account Executives.
- Atlanta GA (Remote)
Senior Renovation Concierge/Licensed Mortgage License Originator
Homebridge Financial Services and REMN Wholesale
Annapolis
09.2010 - 12.2021
- Company Overview: Annapolis, MD
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
- Worked with underwriters to fix application problems and resolve UW issues.
- Reviewed loan files and updated to match current standards.
- Fielded customer complaints and provided solutions.
- Explained different types of loans pertaining to client situations.
- Implemented sales strategies that established relationships with non-borrower referral sources, including realtors and CPAs.
- Manage new loan files for collateral documents and review HUD Consultant Reports and Contractor Documentation/Draws.
- Monitored pipelines to track and log status of loans.
- Built trusting relationships with brokers/contractors/HUD Consultants and borrowers.
- Sales team reinforcement and support Account Executives with sales meetings and new relationships - Trade Show Representation with Renovation Lending Programs.
- Annapolis, MD
Licensed Mortgage Originator
Prospect Mortgage
Annapolis
01.2009 - 07.2010
- Company Overview: Annapolis, MD
- Managed personal pipeline and originated all types of mortgage loans and established referral sources and network.
- Annapolis, MD
Licensed Mortgage Originator
Accubanc Mortgage
Annapolis
01.2006 - 06.2008
- Company Overview: Annapolis, MD
- Annapolis, MD
Account Executive
Atlas Capital Funding
Beltsville
01.2003 - 01.2006
- Company Overview: Beltsville, MD
- Beltsville, MD
Education
Business Administration
Maryland University
College Park MDSkills
- Customer relations
- Team building
- Financial analysis
- Automated underwriting
- Income assessment
- Problem solving
- Dispute resolution
- Product education
- Training and development
- Lexis Nexis expertise
- Property evaluation and valuation
- Feasibility assessment
- Referral network development
- Multitasking skills
- Prioritization strategies
- Pipeline management
- Reporting and documentation
References
Strong References can be provided by request.
Timeline
Home Loan Consultant for 10 Branches
Sandy Spring Bank
08.2024 - Current
Renovation Lending Specialist Team Lead / Equity
Prime Lending (EPM) L L C
12.2021 - 04.2023
Senior Renovation Concierge/Licensed Mortgage License Originator
Homebridge Financial Services and REMN Wholesale
09.2010 - 12.2021
Licensed Mortgage Originator
Prospect Mortgage
01.2009 - 07.2010
Licensed Mortgage Originator
Accubanc Mortgage
01.2006 - 06.2008
Account Executive
Atlas Capital Funding
01.2003 - 01.2006
Business Administration
Maryland University
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