Tracy Scrip
Phoenix,AZ
Summary
President's Club Mortgage Banker NMLS 1957953
Results driven mortgage professional with over 15 years of consumer lending and finance experience, with most recent 6+ years of experience in FHA/VA, Conforming Conventional, Jumbo, Home Equity, DSCR and non-agency loans, and a proven track record of high-volume production. In 2025, consistently closed between 5.5M to 6.5M monthly , totaling over 70M annual volume on an average of 27 units per month. Recognized for high lead-to-application conversion of 10.2% with an exceptional pull through rate of 85%, while maintaining a 97.5% client satisfaction score, reflecting my commitment to technical accuracy and attention to detail to provide a superior client experience. Expert in navigating complex regulatory environments, while building a steady stream of personal referral clients.
Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service.
Proactive and goal-oriented professional with excellent time management and problem-solving skills. Known for reliability and adaptability, with swift capacity to learn and apply new skills. Committed to leveraging these qualities to drive team success and contribute to organizational growth.
Overview
1
1
Language
1
1
Certification
11
11
years of professional experience
Work History
SR Loan Officer
New American Funding
03.2026 - 07.2026
- Evaluated loan applications and credit histories to determine eligibility and risk levels.
- Guided clients through mortgage options, ensuring informed decision-making and satisfaction.
- Collaborated with underwriters to expedite loan processing and resolve discrepancies effectively.
- Implemented best practices for compliance with federal regulations, enhancing operational efficiency.
- Conducted market analysis to develop competitive loan products that meet client needs.
- Collaborated with underwriting team to expedite loan processing times and ensure timely closings for clients.
- Provided exceptional customer service during loan origination, addressing client concerns and ensuring a smooth process from start to finish.
Presidents Club Mortgage Banker
Rocket Companies
02.2020 - 02.2026
- Expertly advised and guided both currently serviced and new clients through our availability of home loan products to most efficiently, and effectively help clients meet their financial goals.
- Superior working knowledge of applicable guidelines relating to VA, FHA, DU, LPA, DSCR, Jumbo, and non-agency loan programs allowing for decisiveness in product choice and pricing.
- Extremely personable on the phone with clients, able to develop strong rapport to earn their trust.
- Genuinely care about other people's lives and struggles, and empathize with them in order to understand deeply the client's motivation and pain points.
- Especially adept at analysis of credit report data to ascertain client's overall financial state and designing loan terms to ensure maximum savings for clients, resulting in higher loan amounts, and increased revenue for company.
- Easily function in a high volume, high lead environment and proficient at time management.
Internet Sales Director
Coulter Cadillac Buick GMC
06.2019 - 12.2019
- rInternet Sales Director reported directly to General Manager on all areas relating to Internet Department Sales metrics.
- Implemented a 3-2-1 follow up system to improve departmental sales by following up repeatedly with clients that either visited the dealership, or expressed interest in a vehicle via the web, resulting in a 24% increase in sales MOM.
- Developed an ongoing product knowledge training program to ensure sales reps confidence in demonstrating cutting edge technologies to clients, increasing first-visit sales by 18%,.
- Trained new employees in all facets of vehicle sales to include proper product demonstration, trade in devaluation, and negotiation tactics and skills.
New Car Sales Manager
Camelback Toyota
09.2015 - 05.2019
- New Car Sales Manager reported directly to the General Sales Manger regarding various facets of departmental concern such as appointments set/shown, sold volume with accurate reports on gross profit both front end and in F/I.
- Supervised sales staff of 30+ individuals in adherence to 12 step sales method, building value instead of selling price which resulted in over 50% increase in average front end gross profit.
- Utilized CRM to follow up with unsold prospects and to track appointment setting and shown metrics to ensure ongoing high volume departmental sales.
- Obtained and reviewed consumer credit reports to conduct risk analysis as well as determine credit terms for customers.
- Closely worked with the Finance and Insurance Department to ensure proper deal structure and product penetrations to maximize back end profit.
Education
Associate of Science - Engineering/Mathematics
San Diego City College
San Diego, CA05-1999
Leadership
US Navy Non Commissioned Officer Leadership School
San Diego, CA05-1994
Firefighting, Emergency Repairs, CBR Warfare Defense
USN Damage Controlman "A" School
San Francisco, CA09-1991
Skills
- Fluent in AMP & LOLA applications, Encompass, Banker View, Bonzo, Genesis Cloud, MS Word, Excel, Outlook , Critical thinker with problem solving mentality, Adaptable, I learn new tools and methods quickly, Efficient Time management
- Goal-oriented mindset, World-Class work ethic, the job is not done until it is done,
- Critical thinker with problem solving mentality,
- Adept at influence and Persuasion, with goal of guided discovery,
- Very attentive to detail with awareness of and strict adherence to investor guidelines
Certification
Currently licensed in the following states, AL, AZ, CA, CO, GA, IA, IN, KY, MA, ME, NM, NY, ND, OR, PA, SC, TN, TX, VA, WI, WA
Languages
English both written and verbal
Timeline
SR Loan Officer
New American Funding
03.2026 - 07.2026
Presidents Club Mortgage Banker
Rocket Companies
02.2020 - 02.2026
Internet Sales Director
Coulter Cadillac Buick GMC
06.2019 - 12.2019
New Car Sales Manager
Camelback Toyota
09.2015 - 05.2019
Associate of Science - Engineering/Mathematics
San Diego City College
Leadership
US Navy Non Commissioned Officer Leadership School
Firefighting, Emergency Repairs, CBR Warfare Defense
USN Damage Controlman "A" School