Michael P Cotchen
Davidsville
Summary
Accomplished Mortgage Loan Officer at Northwest Bank with expertise in loan origination and regulatory compliance. Leveraged relationship selling to enhance client retention and drive new business. Streamlined processes, boosting efficiency by 20%. Proven track record in financial analysis and client account management, ensuring high customer satisfaction and successful loan closures.
Overview
10
10
years of professional experience
Work History
Mortgage Loan Officer
Northwest Bank/Jersey Shore State Bank
06.2020 - Current
- Evaluated client financial profiles to recommend suitable mortgage products.
- Guided clients through loan application processes, ensuring compliance with regulations.
- Analyzed credit reports and financial statements to assess borrower eligibility.
- Collaborated with underwriters to expedite loan approvals and resolve issues.
- Developed relationships with real estate agents to generate new business opportunities.
- Implemented streamlined processes for document collection, improving operational efficiency.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
Staff Accountant
Ussco Federal Credit Union
04.2019 - 05.2020
- Managed monthly financial closings, ensuring accuracy and compliance with regulatory standards.
- Prepared detailed financial reports for management review, highlighting key trends and variances.
- Streamlined budgeting processes, enhancing efficiency in resource allocation and forecasting accuracy.
- Led reconciliation of general ledger accounts, identifying discrepancies and implementing corrective actions.
- Analyzed financial data to support strategic decision-making, driving improvements in operational efficiency.
- Maintained general ledger accuracy through regular account reconciliations, journal entry adjustments, and transaction reviews.
Revenue Tax Auditor
Pennsylvania Department of Revenue
09.2015 - 04.2019
- Conducted comprehensive audits to ensure compliance with state tax regulations.
- Analyzed financial records and documents for accuracy and consistency.
- Identified discrepancies in tax filings, recommending corrective actions.
- Collaborated with stakeholders to resolve audit findings and disputes.
Education
Graduate Certificate -
PennWest Clarion
Clarion, PA05-2014
Bachelor of Arts - Business/Corporate Communications
University of Pittsburgh
Pittsburgh, PA05-1985
Skills
- Goal oriented
- Relationship selling
- Loan origination
- Residential mortgage lending regulations
- Client account management
- Sales development
- Financial analysis
- Document review
- Regulatory compliance
- Pre-approval process
- Closing coordination
- Loan product sales
Timeline
Mortgage Loan Officer
Northwest Bank/Jersey Shore State Bank
06.2020 - Current
Staff Accountant
Ussco Federal Credit Union
04.2019 - 05.2020
Revenue Tax Auditor
Pennsylvania Department of Revenue
09.2015 - 04.2019
Graduate Certificate -
PennWest Clarion
Bachelor of Arts - Business/Corporate Communications
University of Pittsburgh