Summary
Overview
Work History
Education
Skills
Timeline
Generic

Landon Hamilton Arm

Scottsdale

Summary

Over 14 years of combined sales experience as a Builders Preferred Lender, Senior Loan Officer, Account Executive and Working Capital Loan Consultant.

Proficient in Loan Software Programs such as Encompass, Meridian Link, Desktop Underwriter and Loan Beam.

Motivated professional that excels in a high-volume sales environment. I am punctual, trustworthy and take pride in my strong work ethic and team first mentality.

Overview

8
8
years of professional experience

Work History

Loan Officer

CLM Mortgage
10.2023 - 04.2024
  • As the preferred Lender for Woodside Homes, my initial job requirement was to take loan applications for prospective home buyers.
  • Qualifying buyers by doing a thorough analysis of their income,assets, Real Estate owned,debt to income ratios, self employment calculations.
  • Pricing and locking in interest rates and terms on VA loans,Conventional and FHA.


  • Building strong relationships with New Home Sales Associates by visiting their communities and keeping them constantly updated on their buyers loan statuses. Attending builder events and get together's to maintain the builder-lender bond.
  • Maintaining constant communication with the home buyers and their agents through the home building cycle.
  • Ultimate goals were to achieve a perfect 10 client survey score as well as gain the highest capture rate possible to keep all loans from going OSL.
  • Licensed in Arizona, California, Texas and Colorado


National Builder Loan Consultant

Taylor Morrison Home Funding
07.2020 - 03.2023
  • Establishing a strong trustworthy relationship with new home buyers to provide a seamless lending experience throughout the 6-14 month construction period.
  • During the beginning stages of the lending process, job requirement's would include: full loan applications, quoting rates and terms, qualifying clients based on credit and debt to Income ratio analysis, interest rate locks, managing constant changes on the builder side that would affect important dates and decisions during the loan process.
  • Daily communication with Taylor Morrison Realtors,Escrow Officers, Processors, Underwriters and the Closing Dept to help team members have complete and utter trust in my work.
  • Top priority,making sure Taylor Morrison and their clients were completely satisfied with constant communication throughout the 6-14 month build time.
  • Following all ECOA and RESPA rules and regulations, staying on top of clients making sure they provided all necessary loan documents ie. Tax Returns, Paystubs, Bank Statements, Assets, Other Real Estate owned documents such as Homeowners Insurance, Property Tax Docs, HOA Docs, Mortgage Statements.
  • Licensed and closed loans in California, Arizona, North Carolina, South Carolina,Texas and Colorado.

National Builder Loan Consultant

MTH Mortgage/Meritage Homes
01.2020 - 07.2020
  • Working with buyers on new construction purchases for Meritage Homes
  • Taking full 1003 applications, quoting rates and terms. Qualifying clients based on credit and Debt to Income ratio analysis,REO data input.
  • Daily communication with Meritage sales associates, escrow officers, processors, underwriters and closers.
  • Maintaining a strong customer service relationship with buyers and their agents through out the home buying process.
  • Top priority was making sure Meritage and their clients were happy by constant communication and assuring that the close of escrow dates were never missed.
  • Following all ECOA and RESPA rules, getting client disclosures back within 24 hours. Submitting client documents and disclosures in a timely manner, ordering appraisals properly.
  • Licensed in California, Arizona,North Carolina, South Carolina,Texas and Colorado.

Senior Account Executive

US BUSINESS FUNDING
04.2019 - 01.2020
  • Prospecting,selling and negotiating with business owners who are
    seeking Working Capital loans and Lines of Credit. Reviewing clients monthly budget to determine a suitable payment that will not over leverage the clients finances.
  • Building trust and establishing relationships with the goal of growing
    a successful book of business to nurture and gain repeat clients.
  • Analyzing business bank statements as an initial pre qualification
    procedure. Reviewing bank deposits for cash flow assessment.
    Reviewing statements for NSF's, current active working capital loans,
    daily and weekly payments. Negative balance days and if there was
    any noticeable activity that could be construed as fraud.
  • Pulling credit and analyzing the report, looking to see if there are any
    collections,charge-offs, judgments and comparable borrowing
    history
  • Daily use of SalesForce inputting and updating all client data. Setting up drip campaigns to follow up on potential clients

Working Capital Manager

Paramount Financial Services
04.2018 - 04.2019
  • Prospecting,selling and negotiating with business owners who are seeking Working Capital loans and Lines of Credit
  • Building trust and establishing relationships with the goal of growing a successful book of business and gain repeat clients
  • Analyzing business bank statements as an initial pre-qualification procedure. Reviewing bank deposits for cash flow assessment. Reviewing statements for NSF's, current active working capital loans, daily and weekly payments. Negative balance days and if there was any noticeable activity that could be construed as fraud
  • Pulling credit and analyzing the report, looking to see if there are any collections,charge-offs, judgments and comparable borrowing history
  • Once a loan was approved I would calculate the base rate,add points to create the sell rate. Then multiply the approved dollar amount by the sell rate. Divide the total balance with interest by the number of days or weeks in the term to properly quote the clients daily or weekly payment
  • Once the client choose the term they wanted, the next step would be to gather the required documentation in order to fund the loan
  • Typical documentation required to gather; voided check from the business bank account,drivers license,proof of ownership % (K1- Schedule C from the tax return) In many cases a payoff letter from an existing working capital loan would be required to be paid off. Landlord verification in some cases and a standard prep of a Welcome Call

Senior Loan Officer

Wells Fargo Home Mortgage
02.2016 - 04.2018
  • Daily responsibilities included gathering income documentation from clients as well as asset docs, ordering title, updating HOI information, crosschecking property tax information, ordering appraisals, rate lock management
  • Quoting prospective buyers with interest rates for either refinancing options or for the purchase of a new property. Pulling Tri Merge credit reports to thoroughly analyze all the credit criteria factors of approval
  • Maintaining daily & weekly communications with borrowers, Underwriters, processors, closing dept., and funding dept.to insure the highest level of satisfaction
  • Always adhered to the Real Estate RESPA laws and code of ethics to properly channel a loan from one dept. to another without violating any number of the hundreds of do's and don'ts in today's lending market
  • Built long lasting relationships with borrowers in the event they would need to use my services again down the road

Education

High School Diploma - undefined

Mission Bay High School
San Diego, CA
1992

Business

Grossmont College
El Cajon, CA
1996

Business

San Diego Mesa College
San Diego, CA

Skills

  • Savvy relationship-builder
  • Detail-oriented
  • Goal-oriented
  • Math aptitude
  • Self-sufficient
  • Relationship building and management
  • Team player
  • Positive attitude
  • Able to persuade others effectively
  • Professional demeanor
  • Problem-solving skills

Timeline

Loan Officer

CLM Mortgage
10.2023 - 04.2024

National Builder Loan Consultant

Taylor Morrison Home Funding
07.2020 - 03.2023

National Builder Loan Consultant

MTH Mortgage/Meritage Homes
01.2020 - 07.2020

Senior Account Executive

US BUSINESS FUNDING
04.2019 - 01.2020

Working Capital Manager

Paramount Financial Services
04.2018 - 04.2019

Senior Loan Officer

Wells Fargo Home Mortgage
02.2016 - 04.2018

High School Diploma - undefined

Mission Bay High School

Business

Grossmont College

Business

San Diego Mesa College

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Landon Hamilton Arm