Bilal Saleem

Sr. Loan Officer at USA PATRIOT MORTGAGE

• United States
• April 2004 to December 2010

Meet with applicants to obtain information for loan applications and to answer questions about the process.
 Analyze applicants' financial status, credit, and property evaluations to determine feasibility of
granting loans.
 Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
 Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
 Review and update credit and loan files.
 Review loan agreements to ensure that they are complete and accurate according to policy.
 Compute payment schedules.
 Stay abreast of new types of loans and other financial services and products in order to better meet customers' needs.
 Submit applications to credit analysts for verification and recommendation.
 Handle customer complaints and take appropriate action to resolve them.
 Work with clients to identify their financial goals and to find ways of reaching those goals.
 Confer with underwriters to aid in resolving mortgage application problems.
 Negotiate payment arrangements with customers who have delinquent loans.
 Market bank products to individuals and firms, promoting bank services that may meet customers' needs.
 Supervise loan personnel.
 Set credit policies, credit lines, procedures and standards in conjunction with senior managers.
 Provide special services such as investment banking for clients with more specialized needs.
 Analyze potential loan markets and develop referral networks in order to locate prospects for loans.
 Petition courts to transfer titles and deeds of collateral to banks