Nicholas Dutton

• Specialized in unsecured loans for consumers and small business owners in need of capital. Loan structure process entails detailed credit analysis, risk reduction, appropriate loan product recommendation followed through with seamless execution.
• Various loan types include-Debt Consolidation,Bridge,Home Improvement and NON-QM.
• Fast paced environment-150-200 Outbound calls daily. Relationship building- including referral based. 2 time Presidential Award Producer-Top 3% of company. 30-60 loans monthly-10-12 million yearly in annual production average

From prequalification to close. Handled all aspects of the entire mortgage loan origination process. Conventional and VA refinancing priority

• Evaluated client financial profiles to determine qualifications for mortgage products. Tailored loan specific to client objective.
• Guided clients through loan application process, ensuring compliance with regulations and company policies.
• Ability to manage pipeline. Pipeline consisted of 120-140 active loans with appraisal ordered, disclosures signed and rate locked.
• Faced paced environment required high call volume of inbound and outbound calls-100 plus daily, call strategy coordinated with various marketing campaigns.
• Again-top 3% in production company wide.

• Handled all as aspects of origination for consumer to purchase a property. Responsible for creating lead-credit analysis-underwriting documentation-close of sale.
• Evaluated loan applications to determine eligibility and risk assessment.
• Guided clients through mortgage options, ensuring informed decision-making.
• Business development, advertising, realtor relationship and lead generation was 100% my responsibility. Independent.
• FHA-VA-CONVENTIONAL-USDA-JUMBO-HARD MONEY-NON QM-
• Analyzed financial data to create tailored loan solutions for clients.
• Developed and maintained relationships with real estate agents to generate leads.

Responsible for entire loan origination process for purchase of real estate. The full spectrum of origination-creating the lead-credit analysis-underwriting documentation-to close of sale. Managed entire pipeline.

• Developed and maintained relationships with real estate agents to generate leads.
• Analyzed financial data to create tailored loan solutions for clients.
• Mentored junior loan officers on compliance regulations and best practices.
• Increased higher loan application volume through relationship building with unions, veteran groups and trade schools.
• Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.

Created relationships with mortgage loan brokers nationwide to facilitate and expand lending platforms for borrowers seeking mortgages with scores between 580 and 620 fico.

• Developed strategic partnerships to expand market presence and drive revenue growth.
• Analyzed market trends to identify new business opportunities and optimize sales strategies.
• Led cross-functional teams to execute initiatives enhancing client satisfaction and retention rates. I also offered credit restoration and sold data for high volume dialer leads.
• We provided mortgage brokers a way to help clients with lower than average fico scores.

Provided insurance coverage for individuals and small group companies. 4 to 50 employees. Term Life-Health-Small Group-Whole Life-Annuities-Workers Comp.

• Developed customized health insurance plans tailored to client needs.
• Educated clients on coverage options and benefits, ensuring informed decisions.
• Conducted thorough assessments of client health insurance requirements.
• Collaborated with underwriting teams to ensure accurate risk assessments.